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Effective Date:

MCA 3

3-year repeating guarantee : 3-year repeating surrender and MVA period
$15,000 $100,000
Crediting Rate 4.65% 4.75%
Crediting Rate Interest-Only Withdrawal 4.60% 4.70%
Crediting Rate 10% Withdrawal Provision 4.55% 4.65%
Principal Guarantee Crediting Rate 4.45% 4.55%

MCA 5

5-year repeating guarantee : 5-year repeating surrender and MVA period
$15,000 $100,000
Crediting Rate 4.95% 5.05%
Crediting Rate Interest-Only Withdrawal 4.90% 5.00%
Crediting Rate 10% Withdrawal Provision 4.85% 4.95%
Principal Guarantee Crediting Rate 4.75% 4.85%

MCA 7

7-year repeating guarantee : 7-year repeating surrender and MVA period
$15,000 $100,000
Crediting Rate 4.95% 5.05%
Crediting Rate Interest-Only Withdrawal 4.90% 5.00%
Crediting Rate 10% Withdrawal Provision 4.85% 4.95%
Principal Guarantee Crediting Rate 4.75% 4.85%

Crediting Rate does not include an optional withdrawal provision.
Principal Guarantee Crediting Rate includes a 10% withdrawal provision.

For producers only. Not for use with consumers.

Not FDIC-Insured • No Bank Guarantee • May Lose Value • Not Insured by Any Federal Government Agency • Not a Bank Deposit

Distributor: Citizens, 913


45-Day Rate Lock:
We'll lock an interest crediting rate, cap rate or participation rate for 45 calendar days from the day we receive the original application, if we receive paperwork within the timelines below.
If we receive the expected premium within the 45-day period, your client receives either the locked-in rate or the current rate on the day we receive the premium ─ whichever is higher. We don’t provide a rate lock for minimum guaranteed rates or fixed interest crediting rates on index annuities.

  • If rates are increasing: Sign and date the application and all required supplemental forms on or after the rate increase effective date.
  • If rates are decreasing: Sign and date the application and all required supplemental forms before the rate decrease effective date. We’ll also need to receive your documents in our home office within four business days of the rate change effective date.


Guaranteed Minimum Interest Rates:

  • Multi-Choice Annuity: 0.10%


Products of Standard Insurance Company. Rates may change without notice. Product features and availability varies by state. 

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