Annuity Atlas
Reviews

Expert review · 2026

The Standard review

Annuity Atlas covers 27 The Standard annuity products with live rates and contract specs. 21 carry full editorial reviews.

Carrier strength

A
A.M. Best
Products27
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Products covered
27
A.M. Best
A
Categories covered
FIA · MYGA
01

27 The Standard annuities

Click any product for rates, specs, and the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
Multi-Choice Annuity 5
Buyers who want a locked 5-year rate from an A-rated carrier and have no need to touch the money before the term is up
MYGA5yrAReview →
Focused Growth Annuity 5
Savers with $100,000 or more who want a straightforward five-year locked rate from an A-rated carrier and don't expect to need principal access before the term ends
MYGA5yrAReview →
Multi-Choice Annuity 5 (Interest-Only Withdrawals)
Retirement savers who want a 5-year locked rate but also want the option to pull out whatever interest the contract earns each year without touching principal
MYGA5yrAReview →
Multi-Choice 5 10% Withdrawal ProvisionMYGA5yrADetails →
Focused Growth Annuity 7
Savers who want a locked, guaranteed rate from an A-rated carrier for a full seven years and don't need income riders or frequent access to their money
MYGA7yrAReview →
Multi-Choice 5 10% Withdrawal Provision ROPMYGA5yrADetails →
Multi-Choice Annuity 7
Buyers who don't need penalty-free access to their money during the term and want a straightforward, full-account-value MYGA from an A-rated carrier
MYGA7yrAReview →
Multi-Choice Annuity 7 (Interest-Only Withdrawals)
Buyers who want a guaranteed 7-year rate from an A-rated carrier and don't expect to touch principal before the term ends
MYGA7yrAReview →
Multi-Choice 7 10% Withdrawal ProvisionMYGA7yrADetails →
Multi-Choice Annuity 3
Buyers who want a short, locked-rate commitment and have no intention of touching the money before the term ends
MYGA3yrAReview →
Focused Growth Annuity 3
Conservative savers with a firm three-year horizon who want a fixed-rate, A-rated contract and don't need access to more than the interest they've earned
MYGA3yrAReview →
Multi-Choice 7 10% Withdrawal Provision ROPMYGA7yrADetails →
Multi-Choice Annuity 3 (Interest-Only Withdrawals)
Savers who want scheduled access to credited interest during the term (for supplemental income, say) and are comfortable giving up a small amount of rate for that liquidity — not buyers who need zero access at all, who are better served by the fully-locked base version's higher rate
MYGA3yrAReview →
Focused Growth Annuity 10
Conservative savers who want a fully guaranteed 10-year rate from a stable carrier, no rider complexity, and the option of a nursing home or terminal illness surrender waiver if health circumstances change
MYGA10yrAReview →
Multi-Choice 3 10% Withdrawal ProvisionMYGA3yrADetails →
Multi-Choice 3 10% Withdrawal Provision ROPMYGA3yrADetails →
EclipseMark 10
Buyers who want a 10-year FIA with a genuinely deep crediting menu and better-than-typical free withdrawal access, and who don't need a built-in income rider
FIA10yrAReview →
EclipseMark 10 Plus
Buyers who are confident they will hold the full 10 years and want a larger starting balance working for them from day one
FIA10yrA12%Review →
EclipseMark 5
Buyers who want a shorter FIA commitment, a wider-than-average crediting menu, and a no-cost guarantee that they get their premium back at the end of the surrender period
FIA5yrAReview →
EclipseMark 5 Plus
Buyers confident they will hold the full five years who want principal protection plus a death benefit that reflects the bonus from day one, and accept lower caps as the price of that bonus
FIA5yrA6% (through age 80) / 3% (ages 81–85)Review →
Enhanced Choice Index Plus 10
Buyers with a decade-long time horizon who want a no-base-fee indexed annuity with a wide crediting menu and the option to add a stronger death benefit later
FIA10yrAReview →
Enhanced Choice Index Plus 5
Accumulation-focused buyers who want a shorter 5-year FIA, a genuinely deep menu of crediting strategies (including rate-lock choices), and a relatively low $15,000 minimum premium, with the option to add an enhanced death benefit for legacy planning
FIA5yrAReview →
Enhanced Choice Index Plus 7
Accumulation-focused buyers who want a deep index-strategy menu, a lower $15,000 minimum premium, and the option to add an enhanced death benefit
FIA7yrAReview →
Index Select Annuity 10
Retirement savers with a genuine 10-year-plus horizon who want S&P 500-linked growth potential and zero baseline contract fees, without needing an income rider
FIA10yrAReview →
Index Select Annuity 5
Buyers who want a shorter-commitment, single-index FIA with a stronger-than-typical accumulation floor and no rider fees
FIA5yrAReview →
Index Select Annuity 7
Buyers who want a lower-minimum-premium accumulation FIA with a genuinely uncapped participation-rate option and don't need an income rider
FIA7yrAReview →
Thrive Plus 7
Buyers with at least $50,000 to commit for seven years who want a transparent, per-strategy crediting menu and the option to add a rollup-style enhanced death benefit
FIA7yrAReview →
02

Income rider fees

Disclosed charges for optional riders on The Standard products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Enhanced Death Benefit RiderThrive Plus 70.80%
Legacy Max EDBREnhanced Choice Index Plus 100.80% then 1.20% at Age 70
03

Frequently asked questions

Is The Standard a good annuity company?
We have reviewed 21 The Standard products, and A.M. Best rates the carrier A for financial strength.
What are the fees for The Standard annuities?
Fee structures vary by product. Optional income riders on The Standard products carry disclosed charges — for example Enhanced Death Benefit Rider (Thrive Plus 7): 0.80% ; Legacy Max EDBR (Enhanced Choice Index Plus 10): 0.80% then 1.20% at Age 70. See each product review for the full fee detail.
What is the surrender period for The Standard annuities?
Surrender periods on The Standard's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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