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Fixed Indexed Annuity

Enhanced Choice Index Plus 5

The Standard

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9%

Best S&P 500 Annual Cap

10%

Free W/D

50

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 Enhanced Choice Index Plus 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
$144,497
Est. value at age 80 (Enhanced Choice Index Plus 5)
9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Dynamic Intraday TCA Index (USD) ER — 12% Cap (Annual · 5-yr term)
✦
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 Enhanced Choice Index Plus 5's published cap rate (12% on S&P 500 Dynamic Intraday TCA Index (USD) ER) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 5-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 12, 2026.

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See how Enhanced Choice Index Plus 5 compares for your age, state, premium, and income goals alongside other The Standard fixed indexed annuity options.

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Live rate data

Run live numbers for Enhanced Choice Index Plus 5

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this The 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

9% cap on S&P 500

A short-surrender accumulation fixed indexed annuity from The Standard (A-rated) with an unusually deep crediting menu — more than a dozen strategies including a recognizable S&P 500 cap, S&P 500 trigger rates, and standard and fee-bearing 'Enhanced' variants on multiple proprietary volatility-controlled indexes — on a five-year surrender chassis with an MVA on early surrender.

1-year term5-year surrenderAdvisorWorld + CANNEX data

Best fit

Buyers who want a short-surrender accumulation FIA with the deepest crediting menu the carrier offers — multiple S&P 500 strategies (cap, trigger), trigger and participation strategies on proprietary indexes, and explicit fee-bearing 'Enhanced' variants to compare against the no-fee versions inside the same contract.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9% cap rate

Annual cap

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

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

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

S&P 500

S&P 500 Index

45% participation rate

Participation

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

S&P 500

S&P 500 Index

Locked Cap Rate

7.5% cap rate

Annual cap

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

S&P 500

S&P 500 Index

Locked Trigger Rate

100% participation rate + 6% declared rate

Participation

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

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

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

+ 7 additional crediting options (S&P 500, S&P MARC, BofA Global...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender period is short for an FIA, and the crediting menu is unusually deep for that length — the live feed publishes more than a dozen strategies on the S&P 500 (cap, trigger, locked-cap, locked-trigger), the S&P 500 Dynamic Intraday TCA, S&P 500 ESG Risk Control, S&P MARC, S&P 500 Daily Risk Control, and the BofA Global MegaTrends Index, including both standard and fee-bearing 'Enhanced' variants.
  • Standard and fee-bearing variants of the same strategies coexist in the live feed — the no-fee S&P 500 cap, the 'Enhanced Cap Rate with Strategy Fee' on the same index, the 'Enhanced Participation Rate with Strategy Fee' on multiple proprietary indexes — so buyers can directly compare what an explicit annual fee buys in raised cap or participation rate.
  • Trigger-rate strategies on the S&P 500 and the S&P 500 Dynamic Intraday TCA are available — a trigger strategy credits a fixed declared rate whenever the underlying index is non-negative for the term, an alternative to cap-and-trim crediting for buyers who want a known payout in any non-down year.
  • Free-withdrawal allowance and the full five-year surrender ladder are visible directly on this page from the live feed rather than gated behind a sales brochure. Filed broadly — the live feed shows the contract is unavailable only in New York.

What to confirm

  • Several strategies carry an explicit 'Strategy Fee' deducted annually from the account value — the 'Enhanced Cap Rate with Strategy Fee' on the S&P 500 and the 'Enhanced Participation Rate with Strategy Fee' on multiple indexes. The published cap or participation rate on those strategies is not directly comparable to a no-fee cap on the same index: the fee compounds against the account value every year, even in flat or down years. Read each strategy on its own terms.
  • This contract has no guaranteed-lifetime-withdrawal rider in the live feed — it is not a substitute for a rider-led income product and should not be compared to one on lifetime payout.
  • Several of the index options are proprietary, volatility-controlled excess-return indexes (S&P 500 Dynamic Intraday TCA, S&P 500 ESG Risk Control, S&P MARC, BofA Global MegaTrends). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own back-tested behavior.
  • A market value adjustment applies on early surrender on top of the surrender-charge schedule. The annual free-withdrawal allowance on this filing is lower than the carrier's EclipseMark shelf — confirm liquidity expectations before electing this filing over the EclipseMark sibling. Not available in New York.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want a simpler one-or-two-strategy contract (Index Select 5 is the carrier's simpler short-surrender FIA), or are unwilling to evaluate fee-bearing 'Enhanced' strategies on their own merits — none of those describe what this contract is built to deliver.

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All crediting strategies

View rate listings (21 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.

Trigger: 7% · 1-yr

S&P 500 Index

trigger

5-yr surrender

Par: 45% · 1-yr

S&P 500 Index

participation

5-yr surrender

Cap: 9% · 1-yr

S&P 500 Index

cap

5-yr surrender

Par: 100% + Declared: 6% · 5-yr

S&P 500 Index

Locked Trigger Rate · trigger

5-yr surrender

Par: 100% + Declared: 9% · 5-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

trigger

5-yr surrender

Par: 100% + Declared: 7% · 5-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Trigger Rate Plus · trigger

5-yr surrender

Par: 60% · 5-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

5-yr surrender

Cap: 12% · 5-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

5-yr surrender

Cap: 7.5% · 5-yr

S&P 500 Index

Locked Cap Rate · cap

5-yr surrender

Fixed: 4.25% · 5-yr

Fixed Account

fixed

5-yr surrender

Par: 165% · 5-yr

S&P MARC 5% Excess Return

participation

5-yr surrender

Par: 165% · 5-yr

S&P 500 Daily Risk Control 5% Excess Return (USD) Index

participation

5-yr surrender

Par: 110% · 5-yr

BofA Global MegaTrends Index

participation

5-yr surrender

Par: 60% · 1-yr

S&P 500 Index

Enhanced Participation Rate with Strategy Fee · PP

Cap: 12% · 1-yr

S&P 500 Index

Enhanced Cap Rate with Strategy Fee · PP

Par: 220% · 5-yr

S&P MARC 5% Excess Return

Enhanced Participation Rate with Strategy Fee · PP

Par: 220% · 5-yr

S&P 500 Daily Risk Control 5% Excess Return (USD) Index

Enhanced Participation Rate with Strategy Fee · PP

Par: 220% · 5-yr

S&P 500 ESG Daily Risk Control 5% Index (USD) ER

Enhanced Participation Rate with Strategy Fee · PP

Par: 165% · 5-yr

S&P 500 ESG Daily Risk Control 5% Index (USD) ER

PP

Par: 145% · 5-yr

BofA Global MegaTrends Index

Enhanced Participation Rate with Strategy Fee · PP

Fixed: 4.5% · 5-yr

Fixed Account

FX

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 Enhanced Choice Index Plus 5

● Can I lose money in Enhanced Choice Index Plus 5?

A negative index return by itself does not reduce the contract's account value: Enhanced Choice Index Plus 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 10% 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 10% 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 Enhanced Choice Index Plus 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Enhanced Choice Index Plus 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

10%/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

Enhanced DB

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

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.10%

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

he Standard – Enhanced Choice Index Plus 5 Fixed Indexed Annuity – Brochure (Series).pdf.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

Enhanced Choice Index Plus 5 currently shows 20 distinct indexed or fixed crediting choices across 21 current rate listings, including S&P 500 Index, with 11 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: 9% annual cap
  • S&P 500 Index: 12% annual point-to-point cap, Fee-bearing option
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 45% annual participation 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.

  • 10%/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 he Standard – Enhanced Choice Index Plus 5 Fixed Indexed Annuity – Brochure (Series).pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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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