Standard

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About Standard

The Standard is a Portland-based insurance company offering a range of financial products and services designed to help individuals, families, and businesses achieve long-term financial security. In addition to life and disability insurance, retirement plan services, and employee benefits, The Standard offers a suite of annuity products that provide guaranteed income and savings growth. These include fixed annuities, fixed indexed annuities, and immediate income annuities, such as the Multi-Choice Annuity, Enhanced Choice Index Plus, Tailored Income Annuity, and Focused Growth Annuity. The company focuses on delivering flexible, reliable solutions to support retirement planning, income protection, and overall financial wellness.

Product Lineup

Apollo MVA

Guaranteed growth with penalty-free access and annuity bonus

Guaranteed Interest RateVaries by market conditions; minimum guaranteed rate applies

Penalty-Free Withdrawals10% annually, max 30% cumulative

Annuitization Bonus4% of annuity value

Market Value AdjustmentPositive adjustment if rates drop >0.5%

Best for: Safety-conscious investors age 0-85 seeking guaranteed income growth with flexib...

Apollo SP

Fixed Annuity with 6.40% Year 1 Rate & Penalty-Free Access

First-Year Guaranteed Rate6.40%

Base Interest Rate (Years 2+)4.40% (minimum 3.00%)

Penalty-Free Withdrawal10% annually, max 30% cumulative

Annuitization Bonus4% bonus

Best for: Conservative investors age 0-85 seeking guaranteed, tax-deferred growth with som...

EclipseMark 5

Fixed Indexed Annuity

Security & Opportunity Aligned Fixed Index Annuity

Contractual Guarantee87.5% of premium guaranteed

Index Interest AccountsMultiple index options with caps ranging from 1% to 10%+

Fixed Interest Account10 years (EclipseMark 10) or 5 years (EclipseMark 5)

Tax-Deferred GrowthTriple compounding advantage

Best for: Retirees and pre-retirees aged 0–90 who want guaranteed income protection and ta...

EclipseMark 5

Fixed Indexed Annuity

Security & Opportunity Aligned

Contractual Guarantee87.5% + 1% annual interest floor

Index Interest AccountsMultiple index choices with 1-10 year guarantee periods

Fixed Interest Account5 or 10-year rate guarantee

Premium Bonus (Plus versions)Available in EclipseMark 5 Plus and 10 Plus only

Best for: Retirees and pre-retirees age 0-90 seeking long-term retirement growth with down...

Eleos MVA

Fixed annuity with guaranteed rates & penalty-free access

Guaranteed Interest Rate5-year guarantee

Penalty-Free Withdrawals10% annually

Market Value Adjustment0.5% threshold (0.25% in Florida)

Surrender Penalty ScheduleYears 1-5: 8%-4%; Year 6+: 0%

Best for: Conservative investors age 0-85 who want guaranteed returns, need access to some...

Eleos SP

Fixed annuity with guaranteed rates & penalty-free access

Guaranteed Interest RatesVaries by current environment; ask your agent

Penalty-Free WithdrawalUp to 10% per contract year

Surrender Charges8%, 7%, 6%, 5%, 4%, 0%

Nursing Home WaiverUp to 25% per year while confined

Best for: Safety-conscious individuals and retirees who prioritize principal protection, p...

Enhanced Choice Index Plus 10

Fixed Indexed Annuity

Flexible index-linked growth with downside protection

Index ChoicesS&P 500, S&P MARC 5% ER, S&P 500 Daily Risk Control 5% ER, S&P 500 ESG Daily Risk Control 5% ER, BofA Global MegaTrends

Crediting Strategies5 options: Index Participation Rate, Enhanced Index Participation Rate, Index Cap Rate, Enhanced Cap Rate, Fixed Interest

Downside Protection100% downside protection

GMAB (Guaranteed Minimum Accumulation Benefit)Guarantees minimum return of principal

Best for: Investors aged 59½+ seeking growth tied to market performance who want downside ...

Enhanced Choice Index Plus 5

Fixed Indexed Annuity

Market-linked growth with downside protection

Index Participation Rate150% or higher with enhanced option

Index Cap Rate9-12% depending on option selected

Guaranteed Minimum Accumulation Benefit (GMAB)100% of premium guaranteed

Multiple Index Choices5 different index options

Best for: Individuals who want to grow retirement savings with tax-deferred compounding, d...

Enhanced Choice Index Plus 7

Fixed Indexed Annuity

Customizable index annuity with downside protection & penalty-free access

Index Choices5 index options

Crediting StrategiesMultiple options per index

Guaranteed Minimum Accumulation Benefit100% premium guarantee

Penalty-Free Withdrawals10% annual + qualifying events

Best for: Investors seeking market upside with downside protection who want flexibility to...

Focused Growth Annuity

Tax-deferred growth with rate guarantees and flexible withdrawals

Rate Guarantee Periods3, 5, 7, or 10 years

Surrender-Charge Free WithdrawalsFirst 30 days of each subsequent surrender-charge period

Initial Premium Range$15,000 to $1,000,000

Rate Lock45 days

Best for: Long-term savers who want tax-deferred growth with principal protection and are ...

Index Select Annuity 10

Fixed Indexed Annuity

S&P 500 growth + market loss protection

Participation Rate OptionCustomizable rate; example shows 49%

Rate Cap Option10.25% cap in example

Guaranteed Minimum Accumulation Benefit (GMAB)110% of net premium at 10 years

Downside Protection0% minimum annual return

Best for: Conservative investors nearing or in retirement who want to participate in stock...

Index Select Annuity 5

Fixed Indexed Annuity

S&P 500 upside with downside protection

Index crediting optionsAnnual point-to-point with rate cap, annual point-to-point with participation rate, or fixed interest

Downside protectionGuaranteed minimum accumulation benefit (GMAB)

Surrender periods5, 7, or 10-year options

Penalty-free withdrawalsSurrender-charge free withdrawal options available

Best for: Retirees or near-retirees who want market upside potential with guaranteed downs...

Index Select Annuity 7

Fixed Indexed Annuity

S&P 500 Growth with Downside Protection

Downside Protection

Participation Rate OptionCustomizable by investor

Rate Cap Option10.25% example rate

Guaranteed Minimum Accumulation Benefit (GMAB)107% of premium at year 7

Best for: Conservative to moderate investors age 50+ who want stock market upside without ...

Keystone Index Annuity

Fixed Indexed Annuity

Market-linked growth with principal protection

Minimum Guaranteed Value3.0% annual compound guarantee

Index Interest Strategies0% floor on negative years

Fixed Interest StrategyGuaranteed minimum rate

Penalty-Free Withdrawals10% annual access

Best for: Safety-conscious investors age 0-85 seeking downside protection with moderate gr...

Multi-Choice Annuity

Customizable Fixed Annuity with Flexible Withdrawal Options

Rate Guarantee Periods3, 5, or 7 years

Customizable Withdrawal Options4 options to choose from

Surrender-Charge Free AccessMultiple qualifying events

Guarantee of Principal (Optional)Optional rider available

Best for: Conservative investors who want guaranteed interest income with flexibility to c...

Reliance Accumulator 10

Fixed Indexed Annuity

Protected Growth with Index Upside Potential

Principal Protection100% guarantee

Index Strategies6 strategies available

Participation Rates54% to 215%

Penalty-Free Withdrawals10% annual access

Best for: Investors age 0–80 seeking tax-deferred growth with principal protection who can...

Reliance Accumulator 5

Fixed Indexed Annuity

Grow Your Wealth Protected From Market Losses

Principal Protection100% guaranteed

Index Strategy OptionsCurrent rates from 4.5% to 205%

Tax-Deferred GrowthTax-deferred indefinitely

Penalty-Free Withdrawals10% annually

Best for: Safety-conscious individuals age 0–85 seeking tax-deferred retirement growth wit...

Reliance Accumulator 7

Fixed Indexed Annuity

Equity Index Annuity with Principal Protection & Tax-Deferred Growth

Principal Protection100% of premium

Multiple Index Strategies6+ available strategies

Tax-Deferred GrowthTax-advantaged growth

Penalty-Free Withdrawals10% annual access

Best for: Growth-focused individuals nearing or in retirement who want market-linked retur...

Reliance Guarantee

Multi-Year Guaranteed

Guaranteed Fixed Annuity with Tax-Deferred Growth

Guaranteed Interest Rate5.35% (5-year), 5.35% (7-year), 5.05% (10-year) as of 10/1/2023

Penalty-Free WithdrawalsUp to 10% annually, minimum $100–$500 per transaction

Nursing Home Care WaiverUp to 25% annually while confined

Surrender Charges5-year: 9%→0%; 7-year: 9%→0%; 10-year: 9%→0% over respective terms

Best for: Safety-conscious investors nearing or in retirement who want guaranteed, predict...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A

Description

Excellent

Effective

March 31, 2022

Rating Agency

Moody's

Rating

A1

Description

Good

Effective

March 31, 2022

Rating Agency

Standard & Poor's

Rating

A+

Description

Strong

Effective

March 31, 2022

Standard Products

Fixed Indexed Annuities

Explore Standard fixed indexed annuity products with current rates and features.

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Multi-Year Guaranteed Annuities

Compare Standard MYGA products with guaranteed rates and terms.

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Immediate Annuities (SPIA)

View Standard single premium immediate annuity options.

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Deferred Income Annuities (DIA)

Explore Standard deferred income and QLAC products.

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Standard Discussions

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