A.M. Best A rated · 15 products
Standard Annuities — A Rated
Standard is an A.M. Best A-rated annuity carrier. The current lineup includes 15 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A
A.M. Best
Annuity products
15
15 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 13 FIA product pages, 2 MYGA product pages
- Product families
- EclipseMark, Enhanced Choice Index, Index Select Annuity, Thrive, Focused Growth Annuity, Multi Choice Annuity, Thrive Plus 10 Bonus
- Product types
- FIA, MYGA
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About Standard
Overview: The Standard is the public brand of Standard Insurance Company, a Portland-based insurer founded in 1906 and owned by Meiji Yasuda Life Insurance Company. Its current annuity lineup is one of the broader lineups in this batch: 15 products, including 13 fixed indexed annuities and 2 MYGAs.
Product lineup: The FIA lineup is organized around several families: EclipseMark, Enhanced Choice Index Plus, Index Select, and Thrive Plus. Enhanced Choice Index Plus is the deep-menu series; EclipseMark and Thrive Plus include base and bonus-style variants; Index Select is the more focused S&P 500 accumulation chassis. The MYGA side is simpler: Multi-Choice Annuity and Focused Growth Annuity are declared-rate products.
Notable live products: Current rate data shows Multi-Choice Annuity at 5.15% and Focused Growth Annuity at 5.10%. On the indexed side, Enhanced Choice Index Plus 7 currently shows a 12.00% S&P 500 cap signal in the growth feed. That FIA cap is useful for indexed-annuity comparison, but it should not be read like a guaranteed MYGA yield.
Who it may fit: The Standard may fit buyers who want an A-rated insurer with many indexed-annuity variations, especially if they are comparing surrender length, bonus versions, and S&P 500 cap designs inside one carrier. It is less ideal for buyers who want a tiny product menu or who do not want to sort through similar FIA family names before choosing a contract.
Financial Strength In Plain English
The live rating data shows A.M. Best A for The Standard. The Standard's public financial-strength page lists Standard Insurance Company at A from AM Best, A+ from S&P, and A1 from Moody's as of February 2026. In plain English, A is a strong claims-paying category, but not the very top AM Best tier. Buyers should still evaluate surrender period, bonus mechanics, and indexed-crediting design before treating any one cap or rate as the whole story.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
EclipseMark 10
A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a recognizable S&P 500 annual point-to-point cap and a participation-rate strategy on the BofA Global MegaTrends Index, with a ten-year surrender ladder, a generous annual free-withdrawal allowance, a GMAB accumulation floor, and an MVA on early surrender.
Open product pageFocused Growth Annuity
A multi-term multi-year guaranteed annuity from The Standard (A-rated) — guaranteed rates published live at 3, 5, 7, and 10-year terms inside one contract, with a fixed ten-year declining surrender ladder, MVA on early surrender, and an annual free-withdrawal allowance.
Open product pageEclipseMark 10 Plus
A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around an upfront premium bonus vesting evenly across the surrender term, paired with a recognizable S&P 500 cap and a participation-rate strategy on the BofA Global MegaTrends Index, on a ten-year surrender chassis with a generous annual free-withdrawal allowance and a GMAB accumulation floor.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
EclipseMark
4 product pages
EclipseMark 10, EclipseMark 10 Plus, EclipseMark 5, EclipseMark 5 Plus
Enhanced Choice Index
3 product pages
Enhanced Choice Index Plus 10, Enhanced Choice Index Plus 5, Enhanced Choice Index Plus 7
Index Select Annuity
3 product pages
Index Select Annuity 10, Index Select Annuity 5, Index Select Annuity 7
Thrive
2 product pages
Thrive Plus 10, Thrive Plus 7
Thrive Plus 10 Bonus
Thrive Plus 10 Bonus
Open the product page for live rates, state availability, and term-specific detail.
MYGA Products
Focused Growth Annuity
Focused Growth Annuity
Open the product page for live rates, state availability, and term-specific detail.
Multi Choice Annuity
Multi Choice Annuity
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A002TK
EclipseMark 10
- Coverage
- ARHQ product page
- Current rate
- Available
A002TM
EclipseMark 10 Plus
- Coverage
- ARHQ product page
- Current rate
- Available
A002TA
EclipseMark 5
- Coverage
- ARHQ product page
- Current rate
- Available
A002TI
EclipseMark 5 Plus
- Coverage
- ARHQ product page
- Current rate
- Available
A001JP
Enhanced Choice Index Plus 10
- Coverage
- ARHQ product page
- Current rate
- Available
A001JK
Enhanced Choice Index Plus 5
- Coverage
- ARHQ product page
- Current rate
- Available
A001JN
Enhanced Choice Index Plus 7
- Coverage
- ARHQ product page
- Current rate
- Available
A000G0
Index Select Annuity 10
- Coverage
- ARHQ product page
- Current rate
- Available
A000FV
Index Select Annuity 5
- Coverage
- ARHQ product page
- Current rate
- Available
A000FY
Index Select Annuity 7
- Coverage
- ARHQ product page
- Current rate
- Available
A003C9
Thrive Plus 10
- Coverage
- ARHQ product page
- Current rate
- Available
A003CB
Thrive Plus 10 Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
A003C5
Thrive Plus 7
- Coverage
- ARHQ product page
- Current rate
- Available
A00117
Focused Growth Annuity
- Coverage
- ARHQ product page
- Current rate
- Available
A00118
Multi Choice Annuity
- Coverage
- ARHQ product page
- Current rate
- Available
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
The Standard includes EclipseMark, Enhanced Choice Index Plus, Index Select, Thrive Plus, and fixed-rate product pages.
Plus and bonus pages stay separate where the data maps them as distinct products.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Standard Product Families
Product-list pages carry the full tables, filters, and detail links.
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