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Fixed Indexed Annuity

EclipseMark 5

Standard

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7%

Best S&P 500 Annual Cap

15%

Free W/D

49

Jurisdictions

Product data status: July 12, 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 5 would do for you

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

Product analyzer
Illustrative — live CANNEX rates as of July 12, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$276,697
Est. value at age 80 (EclipseMark 5)
7%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7% 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 5's published cap rate (7% 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 July 12, 2026.

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Live rate data

Run live numbers for EclipseMark 5

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

Live product data

Rates as of July 12, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

7% cap on S&P 500

A short-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 five-year surrender ladder, a generous annual free-withdrawal allowance, a GMAB accumulation floor, and an MVA on early surrender.

1-year term5-year surrenderAdvisorWorld + CANNEX data

Best fit

Buyers who want a short-surrender 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

5 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

7% cap rate

Annual cap

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Locked Cap Rate

5.5% cap rate

Annual cap

5-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

5-year term · 5-year surrender · Premium band not shown

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

Product analyst notes

How to think about this contract

Why it can stand out

  • 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 — so buyers can hold a like-for-like S&P comparison option alongside 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, which is structurally different from a lifetime-income rider but is the carrier's accumulation-protection mechanism for this filing.
  • 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.
  • Five-year surrender period is the shortest the EclipseMark shelf files, so capital is contractually accessible without surrender penalty several years sooner than the carrier's ten-year contracts.

What to confirm

  • The 'EclipseMark 5 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 time. 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 and should not be compared to one on lifetime payout.
  • 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 also applies an explicit drag to the index value itself, separate from any strategy fee.
  • A market value adjustment applies on early surrender on top of the surrender-charge schedule, so unplanned liquidity beyond the published free-withdrawal allowance carries an additional interest-rate-sensitive cost. Not available in every jurisdiction — the live feed shows the contract is not filed 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 5 Plus sibling provides that in exchange for lower caps), or want exposure to the carrier's deepest crediting menu (Enhanced Choice Index Plus 5 is the wider-menu sibling).

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All crediting strategies

View rate listings (7 rows)

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

Cap: 7% · 1-yr

S&P 500 Index

cap

5-yr surrender

Par: 100% · 5-yr

BofA Global MegaTrends Index

participation

5-yr surrender

Par: 50% · 5-yr

S&P 500 IQ 0.5% Decrement Index

participation

5-yr surrender

Cap: 9.75% · 5-yr

S&P 500 IQ 0.5% Decrement Index

cap

5-yr surrender

Cap: 5.5% · 5-yr

S&P 500 Index

Locked Cap Rate · cap

5-yr surrender

Cap: 5.5% · 5-yr

S&P 500 IQ 0.5% Decrement Index

Duo Growth Rate · cap

5-yr surrender

Fixed: 3.75% · 5-yr

Fixed Account

fixed

5-yr surrender

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about EclipseMark 5

● Can I lose money in EclipseMark 5?

A negative index return by itself does not reduce the contract's account value: EclipseMark 5 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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 surrender period runs 5 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do EclipseMark 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current EclipseMark 5 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

Single and joint

Contract conversion options should be confirmed before purchase.

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%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

EclipseMark .pdf

Confidence: highReviewed Apr 14, 2026

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

product guide

SIC1001F.pdf

Confidence: highReviewed Apr 5, 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 5 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, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7% annual cap
  • S&P 500 Index: 5.5% 5-year cap
  • Fixed Account: 3.75% 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
  • 5 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 and SIC1001F.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

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