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Fixed Indexed Annuity

Thrive Plus 7

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 Thrive Plus 7 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
$306,405
Est. value at age 80 (Thrive Plus 7)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9% 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 Thrive Plus 7's published cap rate (9% 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 Thrive Plus 7 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 Thrive Plus 7

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 mid-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a recognizable S&P 500 annual point-to-point cap alongside a trigger strategy on the S&P 500 Dynamic Intraday TCA and a participation-rate strategy on the Barclays Fortune 500 ER Dividends Index, on a seven-year surrender chassis with a generous free-withdrawal allowance and an MVA on early surrender.

1-year term7-year surrender$250,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want a mid-surrender accumulation FIA from an A-rated carrier with the carrier's most generous free-withdrawal allowance and a crediting menu that mixes a recognizable S&P 500 cap with a trigger strategy and a participation-rate strategy on a proprietary index.

AM Best

A Excellent

Surrender period

7 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% cap rate

Annual cap

1-year term · 7-year surrender · Up to $250,000

Rate varies by premium band.

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

1-year term · 7-year surrender · Up to $250,000

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 7-year surrender · Up to $250,000

Rate varies by premium band.

S&P 500

S&P 500 Index

Locked Cap Rate

7% cap rate

Annual cap

7-year term · 7-year surrender · Up to $250,000

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

1-year term · 7-year surrender · Up to $250,000

+ 6 additional crediting options (S&P 500, Barclays Fortune...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Seven-year surrender period is shorter than the Thrive shelf's flagship ten-year variants, so capital is contractually accessible without surrender penalty three years sooner — a buyer who wants Thrive's crediting menu but on a shorter commitment chooses this contract over Thrive Plus 10.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a participation-rate strategy on a proprietary index (Barclays Fortune 500 ER Dividends), and adds a 'Trigger Rate Plus' strategy on the S&P 500 Dynamic Intraday TCA — so buyers can mix a like-for-like S&P comparison option with a trigger-style alternative and a participation-rate strategy on a proprietary index.
  • Annual free-withdrawal allowance is generous for an FIA — higher than the carrier's Enhanced Choice shelf publishes — and is paired with nursing-home, RMD, and terminal-illness surrender waivers, all visible directly on this page from the live feed.
  • Backed by The Standard (Standard Insurance Company), an A-rated carrier by A.M. Best — investment-grade A tier, suitable for a mid-term principal commitment.

What to confirm

  • 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.
  • The 'S&P 500 Dynamic Intraday TCA' and 'Barclays Fortune 500 ER Dividends' indexes are proprietary or excess-shows strategies — their participation or trigger 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.
  • Caps and participation rates on a seven-year FIA are structurally lower than on the carrier's ten-year Thrive Plus 10 sibling — do not benchmark this product against ten-year filings and conclude crediting is weak.
  • A market value adjustment applies on early surrender on top of the surrender-charge schedule. Not available in California, New Jersey, or New York — the live feed shows the contract is not filed in those three states. Confirm filing in the buyer's state.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want the higher caps a ten-year Thrive Plus 10 sibling offers, want an upfront premium bonus (the Thrive Plus 10 Bonus sibling provides one in exchange for lower caps), or need short-surrender liquidity.

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See how Thrive Plus 7 compares for your age, state, premium, and income goals alongside other Standard fixed indexed annuity options.

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All crediting strategies

View rate listings (15 strategies)

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

Par: 55% · 1-yr

S&P 500 Index

participation

7-yr surrender$250,000+

Cap: 9.5% · 1-yr

S&P 500 Index

cap

7-yr surrender$250,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

7-yr surrender$250,000+

Par: 85% · 7-yr

Barclays Fortune 500 ER Dividends Index

participation

7-yr surrender$250,000+

Cap: 12.5% · 7-yr

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

cap

7-yr surrender$250,000+

Cap: 7.5% · 7-yr

S&P 500 Index

Locked Cap Rate · cap

7-yr surrender$250,000+

Trigger: 7.25% · 7-yr

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

Trigger Rate Plus · trigger

7-yr surrender$250,000+

Par: 50% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $249,999.99

Cap: 9% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $249,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $249,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $249,999.99

Par: 80% · 7-yr

Barclays Fortune 500 ER Dividends Index

participation

7-yr surrenderUp to $249,999.99

Cap: 12% · 7-yr

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

cap

7-yr surrenderUp to $249,999.99

Cap: 7% · 7-yr

S&P 500 Index

Locked Cap Rate · cap

7-yr surrenderUp to $249,999.99

Trigger: 6.75% · 7-yr

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

Trigger Rate Plus · trigger

7-yr surrenderUp to $249,999.99

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 Thrive Plus 7

● Can I lose money in Thrive Plus 7?

A negative index return by itself does not reduce the contract's account value: Thrive Plus 7 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 7 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 Thrive Plus 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Thrive Plus 7 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

4

Activities of daily living, 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

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%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Thrive Plus 7 currently shows 15 indexed or fixed crediting options, including S&P 500 Index, with 6 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% annual cap
  • S&P 500 Index: 9.5% annual cap
  • S&P 500 Index: 6.75% annual trigger rate
  • S&P 500 Index: 7.25% annual trigger 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
  • 7 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

This page uses the current structured product information for the contract. 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 Thrive Plus 7 compares for your age, state, premium, and income goals alongside other Standard fixed indexed annuity options.

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