Enhanced Choice Index Plus

Product Information and Sales Materials

Product Overview

Pending approval in CA. See the California webpage for available product features. Refer to your distributor Product Spreadsheet for state availability.

Customize your retirement strategy with enhanced product features.

If your clients are looking for tax-deferred growth with the potential for market gains and downside protection, consider the Enhanced Choice Index Plus, a single premium deferred index annuity. This annuity offers various indices, crediting options and enhanced features. This allows your clients to tailor it to fit their financial goals. By balancing growth potential and safety, the Enhanced Choice Index Plus helps manage risk and reward in your clients’ retirement plans..

Optional Legacy Max Enhanced Death Benefit Rider¹

Legacy Max is an optional death benefit rider that may provide beneficiaries with a greater death benefit than what’s included in the base annuity policy. If your clients are 80 or younger, they may choose the new Legacy Max rider at purchase.

Legacy Max offers:

Opportunities for guaranteed growth in declining markets
Performance-based growth in positive markets
A way to maximize your client's financial legacy for their heirs

ECI Plus Features

Issue Age²

ECI Plus 5: Issue through age 93³
ECI Plus 7: Issue through age 90

Premium

$15,000 – $1,000,000
Greater amounts may be accepted if pre-approved by The Standard before you submit an application. Premium will be allocated to the accounts on the contract effective date. All expected premium must be noted on the application and the policy will not issue until all funds are received. The contract effective date is the day we receive all of the expected premium.

Index Term

1-year point-to-point

Index Options

S&P 500^® Index
S&P 500^® Dynamic Intraday TCA Index^NEW
S&P MARC 5% ER Index
S&P 500^® Daily Risk Control 5% ER Index
BofA Global MegaTrends Index

Crediting Strategies

Cap Rate
Locked Cap Rate^NEW
Trigger Rate^NEW
Trigger Rate Plus^NEW
Locked Trigger Rate^NEW
Participation Rate
Fixed Interest Crediting

Rate Guarantees

Index/Account Name	Crediting Strategy	ECI Plus 5	ECI Plus 7
S&P 500 Index	Cap Rate Trigger Rate^NEW Participation Rate	1 year	1 year
S&P 500 Index	Locked Cap Rate^NEW Locked Trigger Rate^NEW	5 years^NEW	7 years^NEW
S&P 500 Dynamic Intraday TCA Index^NEW	Cap Rate Trigger Rate^NEW Trigger Rate Plus^NEW Participation Rate	5 years	7 years
S&P MARC 5% ER Index	Participation Rate	5 years	7 years
S&P 500 Daily Risk Control 5% ER Index	Participation Rate	5 years	7 years
BofA Global MegaTrends Index	Participation Rate	5 years	7 years
Fixed Account	Fixed Interest Crediting Rate	5 years^NEW	7 years^NEW

Account Allocation

Clients can adjust their fund allocations annually after the index term ends. For funds in a Locked Crediting Strategy, clients can only make changes at the end of the Guarantee Period. Any changes will take effect on the first day of the next index term.

Withdrawal Charge Period⁴

There is a choice of a 5, 7, or 10-year withdrawal charge period, with no surrender charges thereafter.

1 May not be available in all states or distributors.

2 Maximum issue age may vary by distributor.

3 The purchase of the annuity for those age 91-93 must be for transfer-of-wealth or estate-planning purposes.

4 This is referred to as the Surrender Charge Period in the contract.

Products of Standard Insurance Company. Availability and features may vary by state and distributor.

Key Features

Pending approval in CA. See the California webpage for available product features. Refer to your distributor Product Spreadsheet for state availability.

ECI Plus Key Features

Crediting Strategies
Not all strategies are available on all indices.
- Cap Rate: You earn interest based on the growth of the index up to the cap rate.
- Trigger Rate:^NEW You earn a set amount of interest if the index performance is zero or positive.
- Trigger Rate Plus:^NEW You earn a trigger rate if the index performance is zero or positive—plus a guaranteed earnings rate if the index performance is negative.
- Participation Rate: You earn interest based on a percentage of growth of the index.
- Fixed Interest Crediting: A fixed interest rate that credits daily.
Locked Crediting Strategies^NEW
Only available on the S&P 500 Index
Locks in a Cap Rate or Trigger Rate for a set number of contract years, called the Guarantee Period. Locked Strategies are only available when you first purchase the annuity. You cannot reallocate locked funds until the Guarantee Period is over.
- Locked Cap Rate:^NEW Cap Rates are locked in when the contract starts and won’t change during the entire Guarantee Period.
- Locked Trigger Rate:^NEW Trigger Rates are locked in when the contract starts and won’t change during the entire Guarantee Period.
Free Withdrawals
These built-in options have no withdrawal charges or a market value adjustment:
- 10% annual withdrawals after the first contract year¹
- IRS required minimum distributions
Withdrawal Charge Period²
- ECI Plus 5:
  - 5-year surrender charge period:
    (9.4%, 8.5%, 7.5%, 6.5%, 5.5%)
  - California 5-year surrender charge period:
    (8%, 7%, 6%, 5%, 4%)
- ECI Plus 7:
  - 7-year surrender charge period:
    (9.4%, 8.5%, 7.5%, 6.5%, 5.5%, 4.5%, 3.5%)
  - California 7-year surrender charge period:
    (8%, 7%, 6%, 5%, 4%, 3%, 2%)
Market Value Adjustment
Special Waiver of Charges
We waive withdrawal charges and MVA for:
- Death of owner with partial index credit available
- Terminal conditions³ with partial index credit available
- Nursing home residency³ with partial index credit available
- Annuitization with partial index credit available
30-day free look period
No annual contract fees
Ownership Options
- Ownership types allowed: Single, joint owners and certain non-natural owners (Trusts, Corporations, Non-Profit organizations, etc.)
- Annuitants allowed: Single or joint annuitants

Legacy Max Key Features¹

Death Benefit Base
The death benefit base is used to determine the amount that is available for your beneficiaries. The initial benefit base equals your total premium. It is reset each contract anniversary to the greater of:
- Guaranteed Enhancement Value: Provides 6% annual compounded growth
- Performance Enhancement Value: Applies a growth factor of 200% each anniversary to the total amount of interest credited
Rider Charge
- 0.80% for ages 69 and younger at issue
- 1.20% for ages 70-80 at issue
Death Benefit Max
The death benefit base is limited to the greater of:
- 125% of your surrender value excluding any MVA
- Premium received accumulated at a 10% annual effective rate, but not to exceed 250% of all premium received — minus any withdrawals including surrender charges

Refer to the Legacy Max brochure for full product details.

1 Withdrawal amount is based on a percentage of the value of the annuity fund as of the contract anniversary. We require a distribution request for payments. Scheduled withdrawals are not allowed.

2 This is referred to as the Surrender Charge Period in the contract.

3 Applies after the first contract year. Additional limitations, state variations and exclusions may apply.

Products of Standard Insurance Company. Availability and features may vary by state and distributor.

Index Descriptions

Pending approval in CA. See the California webpage for available product features. Refer to your distributor Product Spreadsheet for state availability.

Index Choices

S&P 500 Index

The S&P 500 Index tracks the performance of the top 500 leading companies in the U.S. It’s one of the most commonly followed indices and widely regarded as the best single gauge of large-cap U.S. equities. Ticker: SPX

S&P 500 Dynamic Intraday TCA Index^NEW

The S&P 500 Dynamic Intraday TCA Index is designed to measure exposure to the S&P 500 while applying a trend-following mechanism and intraday volatility control. The Index employs 13 observation windows throughout the trading day to adapt to changing market conditions as it seeks a more stable volatility experience compared to traditional risk control indices. Trend signals guide rebalancing to help the index respond to market movements while seeking to maintain its 15% volatility target. Ticker: SPFDYNI

S&P MARC 5% ER Index

Also known as the S&P Multi-Asset Risk Control 5% ER Index, this index aims for more stable index performance with a diversified multi asset index that uses an innovative design to manage market volatility. It tracks three underlying asset classes: equities, commodities, and fixed income. The index is rebalanced daily to maintain a target volatility of 5%. Ticker: SPMARC5P

S&P 500 Daily Risk Control 5% ER Index

The S&P 500 Daily Risk Control 5% ER Index’s goal is to create stable returns using the existing S&P 500 Index crediting design combined with a volatility target. The index is adjusted daily to target a 5% level of volatility. You’ll see upside potential with less exposure to market fluctuations, while benefiting from the performance of U.S. large-cap markets. Ticker: SPXT5UE

BofA Global MegaTrends Index

The BofA Global MegaTrends Index is designed to tap into global innovation and long-term growth trends, while using the latest technology to manage risk. It is made up of four live indices created by MSCI, concentrating on four future-focused themes — robotics, the digital economy, millennials and disruptive technology. The Index applies Salt Financial’s truVol® Risk Control Engine to target 7% annualized volatility.

Products of Standard Insurance Company. Availability and features may vary by state and distributor.

Brochures and Sales Resources

Pending approval in CA. See the California webpage for available product features. Refer to your distributor Product Spreadsheet for state availability.

Marketing Materials

Product Enhancements Flyer (For producers only)

Sales Guide (For producers only)

Product Highlights Flyer

Fact Sheet

Numerical Example (Not available in ID or OR)

ECI Plus Brochure

Legacy Max Brochure

Products of Standard Insurance Company. Availability and features may vary by state and distributor.