Lock-In Gains: Partial Index Crediting on FIAs

December 3, 2025

Partial Index Crediting Helps Preserves Gains During Life’s Unexpected Turns

Partial index credit is a feature that can help protect the value of the contract during critical life transitions. It may be applied to death benefits, annuitization, diagnosis of a terminal illness1 or nursing home residency.1

In these cases, if the client withdraws funds before the full index term and the index has grown, partial gains are credited — ensuring that growth is not lost due to early access. It’s available on all of The Standard’s fixed index annuities, or FIAs, at no additional cost. This can be especially valuable during unexpected life events that require access to funds.

Example In Action

Consider a client that passes away during an index term. Any positive index growth that has already occurred will be locked in and credited with a pro-rated share of interest. This can increase the amount passed on to their beneficiaries — helping loved ones receive the full benefit of the positive performance.2

Learn About All the Benefits FIAs Can Offer >

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.
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.