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Fixed Indexed Annuity

EclipseMark 10

Standard

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9.5%

Best S&P 500 Annual Cap

15%

Free W/D

49

Available jurisdictions

Product data status: September 4, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what EclipseMark 10 would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$309,222
Est. value at age 80 (EclipseMark 10)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies EclipseMark 10's published cap rate (9.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

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See how EclipseMark 10 compares for your age, state, premium, and income goals alongside other Standard fixed indexed annuity options.

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rate data

Run numbers for EclipseMark 10

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Standard product.

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

9.5% cap on S&P 500

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.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want a long-deferral accumulation FIA from an A-rated carrier with the carrier's most generous free-withdrawal allowance and a recognizable S&P 500 cap alongside participation-rate exposure to a proprietary volatility-controlled index inside the same contract.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

15%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Locked Cap Rate

7.25% cap rate

Annual cap

7-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

10-year term · 10-year surrender · Does not vary by premium

+ 4 additional crediting options (S&P 500, BofA Global...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year surrender period is the longest the EclipseMark shelf files — in exchange the caps and participation rates on the S&P 500 and proprietary-index strategies are typically higher than on the five-year EclipseMark sibling, so a buyer who can hold to term sees the highest crediting on this shelf.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a participation-rate strategy on a proprietary index (BofA Global MegaTrends), plus 'Duo Growth' and 'Locked Cap Rate' variants on the S&P 500 IQ Decrement Index — buyers can mix a like-for-like S&P comparison option with higher-participation volatility-controlled alternatives inside the same contract.
  • A guaranteed-minimum-account-value rider (GMAB) is attached at no published rider fee — the GMAB provides a contractual accumulation floor independent of index performance, the carrier's accumulation-protection mechanism for this contract.
  • Annual free-withdrawal allowance is unusually generous for an FIA — higher than what the carrier's Enhanced Choice and Thrive shelves publish — and is paired with nursing-home, RMD, and terminal-illness surrender waivers, all visible directly on this page from the live feed.

What to confirm

  • The 'EclipseMark 10 Plus' sibling on this carrier is a premium-bonus variant of the same chassis — same surrender ladder, same jurisdictional footprint (both filings exclude California and New York), but the Plus trades lower current caps for an upfront premium bonus that vests over the full surrender term. Compare both filings before electing the no-bonus version, and do not confuse the Plus variant with a state-segmented sibling — both filings cover the same states.
  • This contract has no guaranteed-lifetime-withdrawal rider in the live feed — the attached GMAB is an accumulation floor, not a lifetime income mechanism, so this product is not a substitute for a rider-led income FIA.
  • Two of the index options (the S&P 500 IQ Decrement Index, BofA Global MegaTrends Index) are proprietary volatility-controlled or decrement-style indexes — their cap or participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap. The decrement index applies an explicit drag to the index value itself, separate from any strategy fee.
  • Ten-year surrender lockup is a long commitment with a steep first-year charge that declines across the term, and a market value adjustment applies on surrenders above the published free-withdrawal allowance — this is not a short-term cash equivalent. Not available in California or New York — confirm filing in the buyer's state.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want an upfront premium bonus (the EclipseMark 10 Plus sibling provides one in exchange for lower caps), or need short-surrender liquidity — the EclipseMark 5 or Index Select shelves are better fits.

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All crediting strategies

View rate listings (7 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 9.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Par: 120% · 10-yr

BofA Global MegaTrends Index

participation

10-yr surrenderDoes not vary by premium

Par: 60% · 10-yr

S&P 500 IQ 0.5% Decrement Index

participation

10-yr surrenderDoes not vary by premium

Cap: 11.5% · 10-yr

S&P 500 IQ 0.5% Decrement Index

cap

10-yr surrenderDoes not vary by premium

Cap: 7.25% · 10-yr

S&P 500 IQ 0.5% Decrement Index

Duo Growth Rate · cap

10-yr surrenderDoes not vary by premium

Fixed: 4.25% · 10-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 7.25% · 7-yr

S&P 500 Index

Locked Cap Rate · cap

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about EclipseMark 10

● Can I lose money in EclipseMark 10?

A negative index return by itself does not reduce the contract's account value: EclipseMark 10 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 15% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 15% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do EclipseMark 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available EclipseMark 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

15%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9.4%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

2.5%

Yr 9

1.5%

Yr 10

0.5%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

product guide

EclipseMark .pdf

Confidence: highReviewed Apr 14, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

EclipseMark 10 currently shows 7 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.5% annual cap
  • S&P 500 Index: 7.25% annual cap
  • Fixed Account: 4.25% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 15%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as EclipseMark .pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how EclipseMark 10 compares for your age, state, premium, and income goals alongside other Standard fixed indexed annuity options.

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