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


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

  • If rates are increasing: Premium must arrive on or after the date of the rate increase.
  • If rates are decreasing: Sign and date the application and all required supplemental forms before the date of the rate decrease. We must receive all documents in our home office within seven business days of the rate change, including the date of the rate change.


Guaranteed Minimum Interest Rates:

  • Thrive Plus: Cap Rate: 1.00% | Participation Rate: 10% | Trigger Rate: 1.00% | Guaranteed Earnings Rate: 0.10% | Fixed Rate: 0.10%


Products of Standard Insurance Company. Rates may change without notice. Product features and availability vary by state and distributor and are solely the responsibility of Standard Insurance Company.

The S&P 500® and S&P 500® Dynamic Intraday TCA Index (the “Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and have been licensed for use by Standard Insurance Company (“The Standard”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The Standard’s annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices. 

Neither Barclays Bank PLC (“BBPLC’”) nor its affiliates (collectively “Barclays”) are the issuer of any fixed index annuities. The Standard (“Standard”), as issuer/producer of certain fixed index annuities (“Annuities”), has licensed the use of the Barclays Fortune 500 ER Dividends Index (“Index”), certain components of which are Barclays owned trademarks. BBPLC, as index sponsor, administers and publishes the Index. 

Barclays does not sponsor, endorse, sell or promote Annuities nor has any responsibility, obligation or duty to any Annuities policyholder. Standard may principally execute transaction(s) with Barclays regarding the Index, but policyholders only acquire Annuities from Standard without entering into any relationship with Barclays. Barclays shall not be liable to The Standard, policyholders or any third parties regarding the use or accuracy of the Index or any data included therein. 

Fortune and Fortune 500 are registered trademarks of Fortune Media IP Limited (with Fortune Media (USA) Corporation and their other affiliates, collectively “Fortune Group”), used under license in the Index name. Fortune Group (i) are not affiliated with and do not endorse any Barclays or Standard products or services, (ii) are not investment advisors or broker dealers, (iii) do not guarantee the adequacy, accuracy, timeliness and/or completeness of the Index or any data related thereto including any communication (oral, written, electronic, or otherwise) with respect thereto, and (iv) shall not suffer any damages or liability for errors, omissions, or delays therein. Fortune Group makes no warranties, express or implied, and expressly disclaims all warranties of merchantability or fitness for a particular purpose or use or as to results to be obtained from and/or by any party, person and/or entity using the Index or any data related thereto. The foregoing notwithstanding, with or without notice, Fortune Group shall not be liable for any indirect, special, incidental, punitive, or consequential damages whatsoever.