Build Your Family Benefits With Annuities

July 1, 2024

We offer simple and straightforward annuities that benefit your clients and their families. Check out some of our flexible family benefits. 

Benefit From Our Householding Feature

When two members in the same household send in applications at the same time that total over $100,000 ─ both applicants will receive the high-band rate. Applications can be for different tax qualification types ─ qualified or non-qualified. 

Establish a Legacy for Your Loved Ones

Legacy Max enhanced death benefit rider ─ offered exclusively on the ECI Plus ─ helps clients create a legacy for this generation and the next. It offers not one, but two growth components, providing reliable growth in both rising and declining markets.*

Prepare for Health Care Costs in Retirement

Immediate annuities may help an ill spouse qualify for Medicaid eligibility to pay for long-term care. This means they may not count as available assets when qualifying for Medicaid assistance. Clients can accumulate funds in a deferred annuity from The Standard — and transition to a Medicaid-compliant immediate annuity in the future.

Use Our Flexible Ownership Options and Spousal Continuation

We offer several ownership options including joint owners and non-natural owners such as family trusts. If the spouse is the joint owner or sole primary beneficiary, they may continue the annuity contract or choose a payout option that best fits their needs.

More About Sales Insights & Tools
Offering beneficiary reviews can serve as a conversation starter that helps you deepen client relationships, uncover new needs, and position yourself as a proactive partner in their financial well‑being.
The new Annuity Q&A Playbook is your go‑to tool for FIA questions. This guide helps you have clear, client‑friendly answers that build trust and pave the way to stronger relationships.
Discover how partial index crediting locks in growth and can add valuable benefits for your clients. See an example of how this feature works and the flexibility it offers through life’s changes.
Members of our Annuities team were recently featured in several industry publications, sharing insights on legacy planning, interest rate changes and index product opportunities.
For clients seeking more than fixed rate annuities, consider positioning the ECI Plus FIA as an alternative. This is designed to support retirement savings through guaranteed crediting features even in varying market conditions.
In today’s uncertain market, many clients are looking to protect their savings and grow their funds — ECI Plus delivers both. The innovative Trigger Rate Plus crediting strategy delivers guaranteed earnings no matter what.

Related Products or Services

Doing business with The Standard is good for you and your clients. Our annuities offer innovative product design, desirable rates, competitive compensation, high industry ratings and excellent service.