Quick links to rates
Effective Date:

FGA 5
5-year guarantee : 5-year surrender and MVA period
$15,000 $100,000
Crediting Rate 4.90% 5.00%

FGA 7
7-year guarantee : 7-year surrender and MVA period
$15,000 $100,000
Crediting Rate 4.90% 5.00%

Not available in California.
Effective Date:

HSIA 6
annual point-to-point : 6-year surrender and MVA period : fixed interest crediting 4.75%
$25,000 $150,000
Cap Rate 9.85% 10.10%
Participation Rate 54% 56%

HSIA 8
annual point-to-point : 8-year surrender and MVA period : fixed interest crediting 4.75%
$25,000 $150,000
Cap Rate 10.50% 10.75%
Participation Rate 55% 57%

HSIA 10
annual point-to-point : 10-year surrender and MVA period : fixed interest crediting 4.75%
$25,000 $150,000
Cap Rate 10.55% 10.80%
Participation Rate 56% 58%
Effective Date:

ISA 5
annual point-to-point : 5-year surrender and MVA period : fixed interest crediting 4.75%
$15,000 $100,000
Cap Rate 9.50% 9.75%
Participation Rate 53% 55%

ISA 7
annual point-to-point : 7-year surrender and MVA period : fixed interest crediting 4.75%
$15,000 $100,000
Cap Rate 10.50% 10.75%
Participation Rate 55% 57%

NOT FDIC-INSURED • NO BANK GUARANTEE • MAY LOSE VALUE • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A BANK DEPOSIT

Distributor: TD Bank, 597

Guaranteed Minimum Interest Rates:

  • FGA: 0.10%
  • HSIA Rate Cap: 1.00%  |  HSIA Participation Rate: 10%  |  HSIA Fixed Rate: 0.10%
  • ISA Rate Cap: 1.00%  |  ISA Participation Rate: 10%  |  ISA Fixed Rate: 0.10%

Products of Standard Insurance Company. Rates may change without notice. Product features and availability varies by state. The 45-day rate lock applies only to initial crediting, cap, participation and spread rates.