The Standard | Annuity Rate Increase on December 2, 2024

Rates increasing on December 2, 2024:

Multi-Year Guarantee Annuities – Fixed Rate

• Focused Growth Annuity crediting rates (All series)
  • +0.30% on FGA 3
  • +0.30% on FGA 5
  • +0.30% on FGA 7
  • +0.30% on FGA 10
• Multi Choice Annuity crediting rates (All series)
  • +0.30% on MCA 3 – All withdrawal options
  • +0.30% on MCA 5 – All withdrawal options
  • +0.30% on MCA 7 – All withdrawal options
• Total Choice Annuity crediting rates*
  • +0.30% on TCA 3 and TCA 3 with Principal Guarantee
  • +0.30% on TCA 5 and TCA 5 with Principal Guarantee
  • +0.30% on TCA 7 and TCA 7 with Principal Guarantee
• Future Value Annuity crediting rates*
  • +0.30% on FVA 3
  • +0.30% on FVA 5
  • +0.30% on FVA 7

Fixed Index Annuities – One-Year Point-to-Point

• Index Select Annuity (All Series)
  • Cap Rates
    • +0.75% on ISA 5
    • +0.50% on ISA 7
• Enhanced Choice Index Plus 
  • S&P 500^® Index Cap Rates and Enhanced Cap Rates
    • +0.50% on ECIP 5
    • +0.50% on ECIP 7
    • +0.50% on ECIP 10
• Enhanced Choice Index Select*
  • S&P 500® Index Cap Rates and Enhanced Cap Rates
    • +0.50% on ECIS 5
    • +0.50% on ECIS 10

All other rates remain unchanged.

For clients to receive the current annuity rates:
For products with rates increasing — To receive new rates, premium must arrive on or after December 2, 2024.
Distributor Rate Sheets:

1. Start at standard.com/annuities.
2. Select your distributor in the drop-down menu or select “not affiliated with a distributor or distributor not listed.”
3. On the right-side Resources box, select Rate Preview.

Our 45-day Rate Lock Policy 
We’ll lock a fixed interest crediting rate, cap rate or participation rate for 45 calendar days from the date we receive the original application, according to the timeline below. We don’t provide a rate lock for minimum guaranteed rates.

If we receive the expected premium within the 45-day period, your client receives the locked-in rate or the rate on the date we receive the premium ─ whichever is higher.

• If rates are increasing: Premium must arrive on or after the date of the rate increase.
• If rates are decreasing: Sign and date the application and all required supplemental forms before the date of the rate decrease. We must receive all documents in our home office within seven business days of the rate change, including the date of the rate change.

*Available through select distribution only.