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Withdrawals exceeding the free withdrawal amount or full surrender prior to the end of the guarantee period are subject to declining surrender charges.

 Guarantees that the account value will not fall below the total premium paid (less any prior withdrawals).

• Interest-Only Withdrawals Rider –

 Allows access to interest earned annually for those seeking supplemental income.

 Expands the penalty-free withdrawal limit each year for added liquidity.

None. There are no annual maintenance or policy administration fees, ensuring the entire credited interest compounds tax-deferred.

Upon the death of the contract owner, the beneficiary receives the full accumulation value without any surrender charges or market value adjustments. This ensures a smooth and complete transfer of value.

 Waives all surrender charges upon certified diagnosis of a terminal illness.

 Surrender charges are waived if the owner is confined to a qualified nursing facility for at least 90 consecutive days after the first contract year.

 annually without surrender charges. Required 

 that exceed this amount are also available without penalty, allowing retirees to maintain compliance while preserving their contract’s growth potential.

. The annuity is single-premium only; no additional deposits are permitted after issue.

The Multi Choice Annuity provides a guaranteed fixed interest rate for the selected term and protects against market volatility. Policyholders benefit from penalty-free access to funds through annual withdrawals and required minimum distributions (RMDs). At the end of the guarantee period, clients can withdraw funds without penalty, annuitize, or renew for a new term at current rates.

At maturity, the policy automatically renews at The Standard’s then-current declared rate unless the owner chooses to withdraw or annuitize without penalty.

During the guarantee period, the surrender value equals the accumulation value minus applicable surrender charges. After the surrender charge period ends, the full accumulation value becomes available without penalty.

 is a single premium Multi-Year Guaranteed Annuity (MYGA) issued by Standard Insurance Company. It provides long-term, tax-deferred growth with guaranteed fixed interest and full principal protection. Designed for conservative investors seeking predictable accumulation and liquidity flexibility, the Multi Choice Annuity allows clients to choose from 

3-, 5-, 7-, or 10-year guarantee periods.

 Optional features include the Return of Premium (ROP) benefit and enhanced penalty-free withdrawal provisions, offering both growth and security within a flexible structure.

Withdrawals beyond the penalty-free allowance or full surrender during the term incur a declining charge schedule that corresponds to the selected term.

None. No annual fees or hidden administrative costs.

Beneficiaries receive the greater of the accumulation value or the guaranteed minimum surrender value, payable without surrender charges.

Interest-only withdrawals are allowed during the first year. Starting in the second year, policyholders may withdraw up to 10% of the accumulation value annually without penalty.

Issued by Standard Insurance Company, the Focused Growth Annuity guarantees a fixed rate of return for the selected term. It is available for both qualified and non-qualified funds, with flexible distribution options at the end of the guarantee period. The accumulation value is never subject to market fluctuation, and at maturity, policyholders can renew, annuitize, or withdraw their funds without penalty.

 At the end of the guarantee term, the annuity automatically renews at The Standard’s then-current declared rate unless withdrawn or annuitized.

Accumulation value less applicable surrender charges and any Market Value Adjustment (MVA).

single-premium Multi-Year Guaranteed Annuity (MYGA) 

designed for clients seeking predictable, tax-deferred growth and principal protection over fixed guarantee periods of 

This product offers guaranteed accumulation with a fixed interest rate for the chosen term and penalty-free annual withdrawals after the first year. Backed by Standard Insurance Company, the Focused Growth Annuity is an ideal choice for conservative savers focused on steady, reliable income growth.

The Standard – Multi Choice Annuity (3, 5, 7, 10 Year Terms)

The Standard – Focused Growth Annuity (3-, 5-, 7-, 10-Year Terms)