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Withdrawals exceeding the penalty-free allowance or early surrender during the 5-year term are subject to a declining surrender charge schedule as shown below.

None. No maintenance or annual contract fees.

Beneficiaries receive the greater of the accumulation value or the guaranteed minimum surrender value, payable in full and free of surrender charges.

Interest-only withdrawals are permitted in the first year. Beginning in year two, up to 10% of the accumulation valuemay be withdrawn annually without penalty.

Available for Qualified (IRA, Roth IRA, SEP IRA) and Non-Qualified funds. Single-premium only.

Issued by Standard Insurance Company, the Multi-Choice Annuity guarantees a fixed interest rate for five years. It is available for both qualified and non-qualified funds and allows limited liquidity each contract year. At maturity, contract owners may renew, annuitize, or withdraw their accumulation value without penalty.

At the end of the 5-year term, the annuity automatically renews at The Standard’s then-current declared rate unless the owner elects to withdraw or annuitize.

Equal to the accumulation value minus any applicable surrender charges and Market Value Adjustment (MVA).

Standard Multi-Choice Annuity (5-Year Term)

 is a single-premium Multi-Year Guaranteed Annuity (MYGA)that provides secure, tax-deferred growth and 100% principal protection over a 5-year guarantee period. Ideal for mid-term savers seeking predictable accumulation without market exposure, this annuity offers competitive fixed rates, flexible withdrawal options, and optional provisions such as Return of Premium and enhanced penalty-free withdrawals.

Withdrawals beyond the penalty-free amount, or full surrender before the end of the 3-year term, are subject to declining surrender charges.

None. No annual fees or maintenance costs apply.

greater of the accumulation value or guaranteed minimum surrender value,

 may be withdrawn annually after the first contract anniversary without surrender charges.

Issued by Standard Insurance Company, the Multi-Choice Annuity guarantees a fixed rate of interest for three years and is available for both qualified and non-qualified funds. The policy provides flexible withdrawal options, including interest-only or limited penalty-free withdrawals. At maturity, funds may be renewed, annuitized, or withdrawn in full without surrender charges.

At the end of the 3-year guarantee period, the contract automatically renews at The Standard’s then-current declared rate, unless withdrawn or annuitized without penalty.

Equal to the accumulation value minus applicable surrender charges and Market Value Adjustment (MVA).

Standard Multi-Choice Annuity (3-Year Term)

single-premium Multi-Year Guaranteed Annuity (MYGA) 

that provides fixed, tax-deferred growth and full principal protection over a 3-year guarantee period. Designed for short-term accumulation, it allows clients to lock in a guaranteed rate, access limited liquidity each year, and avoid market volatility. Backed by 

, this product offers stability and predictable returns for conservative investors.

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 (5-Year Term)

The Standard – Multi-Choice Annuity (5-Year Term)

The Standard – Multi-Choice Annuity (3-Year Term)

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