Product Information and Sales Materials
Not available in CA, NJ or NY.
Plan Today. Thrive Tomorrow.
Help grow your clients’ retirement savings with confidence. Thrive Plus is a single‑premium deferred fixed index annuity designed to protect clients’ money while helping it grow. With customizable options, you can help your clients tailor this annuity to support both their financial goals today and legacy goals for tomorrow.
Clients can benefit from tax‑deferred growth, market‑linked earnings potential and built‑in downside protection — all working together to help create a stronger financial future. Choose from multiple indices and flexible crediting strategies, including guaranteed rate options that offer steady, predictable growth.
Optional Premium Bonus1
A 12% Boost Helps Clients Thrive in Retirement
Saving for retirement is an opportunity to build your client a confident future — kick it off with a boost that can help position them for success. The Thrive Plus 10 Bonus delivers a 12% bonus on all premiums. That means a higher account value starting from day one.
The bonus has a 10-year vesting schedule. This means that 5% of the bonus amount will become vested on each contract year. At the beginning of the 11th contract year, it becomes fully vested.
Optional Enhanced Death Benefit Rider2
Help Grow and Protect Your Client’s Legacy
Clients age 80 or younger can add an enhanced death benefit rider when they purchase the Thrive Plus FIA. For a charge, this optional rider may provide beneficiaries a greater death benefit than the base annuity alone, helping to grow and protect the legacy they intend to leave.
The rider works to strengthen your client’s legacy in any market environment. It provides steady, dependable growth no matter how markets perform and shields the death benefit from being impacted by charges. Clients can benefit from:
- Guaranteed growth that compounds to deliver steady, reliable accumulation even when markets underperform
- Interest‑driven performance that captures growth during positive market cycles
- Enhanced value over time by helping reduce the impact of rider charges on the total
death benefit
Growth Potential With Guaranteed Rate Options
| Index/Account Name | Crediting Strategy | Thrive Plus 7 | Thrive Plus 10 | Thrive Plus 10 Bonus1 |
| S&P 500® | Cap Rate | 1 Year | 1 Year | 1 Year |
| Locked Cap Rate | 7 Years | 7 Years | 7 Years | |
| Trigger Rate | 1 Year | 1 Year | 1 Year | |
| Par Rate | 1 Year | 1 Year | 1 Year | |
| S&P 500 Dynamic Intraday TCA Index | Cap Rate | 7 Years | 10 Years | 10 Years |
| Trigger Rate Plus | 7 Years | 10 Years | Not available | |
| Barclays Fortune 500 ER Dividends Index | Par Rate | 7 Years | 10 Years | 10 Years |
| Fixed Account | Fixed Interest Crediting Rate | 1 Year | 1 Year | 1 Year |
Flexible Access to Funds
- Free Withdrawals
These built-in options have no withdrawal charges or a market value adjustment:- Up to 15% annual withdrawals starting in the first contract year3
- IRS required minimum distributions
- Special Waiver of Charges
We waive withdrawal charges and MVA for:- Death of owner with partial index credit available
- Terminal conditions4 with partial index credit available
- Nursing home residency4 with partial index credit available
- Inability to perform at least two of the six Activities of Daily Living, or ADLs4,5
- Annuitization with partial index credit available
Ownership Options
- Single ownership: Owner and annuitant must be the same person.
- Joint ownership: Joint owners must be spouses and one owner must be the annuitant.
Non-natural ownership (trusts, corporations, nonprofit organizations, etc.): Annuitant must be a natural person.
1 The Thrive Plus 10 Bonus may feature lower crediting rates for the interest crediting strategies offered.
2 May not be available in all states or through all distributors.
3 During the first contract year, the withdrawal amount is based on a percentage of your initial premium. Starting in the second contract year, your withdrawal amount is based on a percentage of your annuity fund value from the previous contract anniversary. We require a distribution request for payments. Scheduled withdrawals are not available.
4 Applies after the first contract year. Additional limitations, state variations and exclusions may apply.
5 Activities of Daily Living, or ADLs, refer to six basic tasks essential for self-care and independent living: Bathing, Dressing, Eating, Transferring, Toileting or Continence.
Products of Standard Insurance Company. Availability and features may vary by state and distributor.
Not available in CA, NJ or NY.
Thrive Plus Key Features
- Issue Age
- Thrive Plus 7: Issue through age 90
- Thrive Plus 10 and Thrive Plus 10 Bonus: Issue through age 80
- Premium
- $50,000 – $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.
- $50,000 – $1,000,000
- 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.
- Locked Cap Rate: Locks in a Cap Rate for 7 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.
- Trigger Rate: You earn a set amount of interest if the index performance is zero or positive.
- Trigger Rate Plus: 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.
- Free Withdrawals
These built-in options have no withdrawal charges or a market value adjustment:- Up to 15% annual withdrawals starting in first contract year1
- IRS required minimum distributions
- Withdrawal Charge Period2
- Thrive Plus 7:
- 7-year surrender charge period:
(9.4%, 8.5%, 7.5%, 6.5%, 5.5%, 4.5%, 3.5%)
- 7-year surrender charge period:
- Thrive Plus 10 and Thrive Plus 10 Bonus:
- 10-year surrender-charge period:
(9.4%, 8.5%, 7.5%, 6.5%, 5.5%, 4.5%, 3.5%, 2.5%, 1.5%, 0.5%)
- 10-year surrender-charge period:
- Thrive Plus 7:
- 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
- Inability to perform at least two of the six Activities of Daily Living, or ADLs3,4
- Annuitization with partial index credit available
- 30-day free look period
- No annual contract fees
Optional Enhanced Death Benefit Rider5
Available only at purchase, the enhanced death benefit rider features two legacy growth strategies that help maximize the amount you pass on to your beneficiaries.
Each strategy operates independently, delivering a balanced combination of guaranteed accumulation and interest-driven performance that shields your death benefit from being impacted by charges. Together, they create multiple paths for growth to help build and protect your legacy.
The death benefit base is the amount available for your beneficiaries and starts as your total premium amount. On each anniversary, it increases to the higher of:
- Guaranteed Enhancement Value, or GEV: This grows by 6% compounded annually.
- :Performance Protection Value, or PPV:6 This grows annually by the same amount of interest credited to the annuity.
We’ll include any interest earned during a partial year up to the date of death, ensuring beneficiaries receive the full policy growth.
- Rider Charge
- 0.80% for ages 80 and younger 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 Enhanced Death Benefit Rider brochure for full product details.
1 During the first year, the withdrawal amount is based on a percentage of your initial premium. Starting in the second year, your withdrawal amount is based on a percentage of your annuity fund value from the previous contract anniversary. We require a distribution request for payments. Scheduled withdrawals are not available.
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.
4 Activities of Daily Living, or ADLs, refer to six basic tasks essential for self-care and independent living: Bathing, Dressing, Eating, Transferring, Toileting or Continence.
5 May not be available in all states or through all distributors.
6 This is referred to as the Performance Enhancement Value in the contract.
Products of Standard Insurance Company. Availability and features may vary by state and distributor.
Not available in CA, NJ or NY.
Index Choices
S&P 500®
The S&P 500 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
Crediting strategies available:
- One-year point-to-point Cap Rate
- One-year point-to-point Locked Cap Rate
- One-year point-to-point Trigger Rate
One-year point-to-point Participation Rate
S&P 500 Dynamic Intraday TCA Index
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
Crediting strategies available:
- One-year point-to-point Cap Rate
One-year point-to-point Trigger Rate Plus
Barclays Fortune 500 ER Dividends Index
The Fortune 500 ER Dividends Index consists of a single building block, the Barclays Fortune 500 Total Return Index, which is comprised of the stocks of companies in the Fortune 500® list, representing the largest companies in the U.S. by revenue. It aims to provide stabilized exposure to U.S. large-cap stocks selected annually for the Fortune 500 list while targeting 12% volatility. Ticker: BXIID500
Crediting strategies available:
- One-year point-to-point Participation Rate
Products of Standard Insurance Company. Availability and features may vary by state and distributor.
Not available in CA, NJ or NY.
Marketing Materials
Sales Guide (For producers only)
Optional Enhanced Death Benefit Rider Brochure
Index Information Guides
S&P 500 Index (SPX)
Index Landing Page with Factsheet and Methodology
S&P 500 Dynamic Intraday TCA Index (SPFDYNI)
Index Landing Page with Factsheet and Methodology
Video: Meet the S&P 500 Dynamic Intraday TCA Index
Barclays Fortune 500 ER Dividends Index (BXIID500)
Thrive Plus Sample Policies
Thrive Plus 7 Specimen Contract
Thrive Plus 10 Specimen Contract
Thrive Plus 10 Bonus Specimen Contract
Thrive Plus With Enhanced Death Benefit Rider Sample Policies
Thrive Plus 7 Specimen Contract with Enhanced Death Benefit Rider
Thrive Plus 10 Specimen Contract with Enhanced Death Benefit Rider
Thrive Plus 10 Bonus Specimen Contract with Enhanced Death Benefit Rider
Products of Standard Insurance Company. Availability and features may vary by state and distributor.