The Standard

Index Select Annuity 5

Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.

Type

FIA

Surrender

5 years

Top yield

0.96%

A.M. Best

Current Rates

Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.

Strategy	Method	Rate	Cap	Par	Yield to surrender
1 Year Fixed Interest Account	Fixed	4.50%	—	—	0.96%
1 Year Fixed Interest Account	Fixed	4.50%	—	—	0.96%
1 Year Fixed Interest Account	Fixed	4.50%	—	—	0.96%
1 Year Fixed Interest Account	Fixed	4.50%	—	—	0.96%
1 Year S&P 500 Annual Point-to-Point w/ PR	Point to Point	—	—	53.00%	0.08%
1 Year S&P 500 Annual Point-to-Point w/ PR	Point to Point	—	—	53.00%	0.08%
1 Year S&P 500 Annual Point-to-Point w/ PR	Point to Point	—	—	55.00%	0.08%
1 Year S&P 500 Annual Point-to-Point w/ PR	Point to Point	—	—	55.00%	0.08%
1 Year S&P 500 Annual Point-to-Point	Point to Point	—	8.75%	—	0.08%
1 Year S&P 500 Annual Point-to-Point	Point to Point	—	8.75%	—	0.08%
1 Year S&P 500 Annual Point-to-Point	Point to Point	—	9.00%	—	0.08%
1 Year S&P 500 Annual Point-to-Point	Point to Point	—	9.00%	—	0.08%

Surrender Schedule

Yr 1

9.4%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Product Specifications

Minimum premium (non-qualified): $15,000
Minimum premium (qualified): $15,000
Maximum issue age: 93
Free withdrawal: 10%
Free withdrawal (year 1): 0%
Market value adjustment: true
Return of premium: false
States available: 50 states

Carrier Brochure

120125 SIC ISA IA Consumer Brochure.pdf

Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.