Suitability Reminder and Updates Coming Soon

July 6, 2026

Suitability Reminder 

Many financial institutions have been delegated to complete suitability as part of their own internal process. If your firm handles suitability directly, our suitability form may not be required with your submission.

To help avoid unnecessary stress or rework, we recommend checking with your financial institution or back-office team to confirm your firm’s specific requirements before submitting paperwork. Taking a moment to verify upfront can help prevent delays and keep things moving smoothly for you and your client.

Coming Soon: Suitability Form Updates

We’re excited to share that updates to our suitability form are coming soon designed to simplify the process, capture key details upfront and support a faster, smoother review.

What’s Changing:

  • Surrender Charges & Market Value Adjustments, or MVAs: New fields to capture potential surrender charges or MVA fees when replacing an existing policy
  • Liquid Net Worth: We’ve made the definition of liquid net worth easier to understand

By gathering this information upfront, we can reduce follow-ups and help support a smoother Suitability review process.

Quick Reminder

A few things to keep in mind before submitting:

  • Confirm if surrender charges or MVAs apply and include details
  • Review any applicable surrender charges or MVA fees with your client and document the rationale for the basis of recommendation
  • Ensure liquid net worth reflects assets that are easily accessible, such as cash, savings and certain investments

Thank you for your continued partnership. These updates will simplify the process and support you in delivering a smooth experience for your clients.

More About Producer Advisories
New features are on the way for the Enhanced Choice Index Plus annuity in California, including additional crediting strategies, extended rate guarantees and a new S&P Dow Jones index option.
We’re mailing IRS Form 5498 to eligible IRA policyowners soon. Learn the key dates and details included in this annual tax reporting form.
Automatic RMDs make it easier for annuity owners to receive their required distributions without surrender charges. Learn how RMD timing works and why additional withdrawals can reduce the final RMD payment.
The refreshed Annuity Portal is now live, featuring a modern design and improved usability. Learn what’s changed and how you’ll experience a smoother experience.
Industry recognition can help highlight your success and elevate your professional profile. Learn how we can help certify your achievements and support you along the way.

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.