Quick links to rates
Effective Date:

ECI 5
annual point-to-point : 5-year surrender and MVA* period : fixed interest crediting 4.25%
Participation Rate Enhanced Participation Rate
S&P 500 Index 50% 65%
S&P MARC 5% Excess Return Index 185% 240%
S&P 500 Daily RC 5% Excess Return Index 185% 240%
S&P 500 ESG Daily RC 5% Excess Return Index 185% 240%

ECI 7
annual point-to-point : 7-year surrender and MVA* period : fixed interest crediting 4.25%
Participation Rate Enhanced Participation Rate
S&P 500 Index 52% 67%
S&P MARC 5% Excess Return Index 190% 245%
S&P 500 Daily RC 5% Excess Return Index 190% 245%
S&P 500 ESG Daily RC 5% Excess Return Index 190% 245%

* No MVA on products sold in California.
Effective Date:

MCA 3
3-year repeating guarantee : 3-year repeating surrender and MVA* period
$15,000 $100,000
Crediting Rate 4.70% 4.80%
Crediting Rate Interest-Only Withdrawal 4.65% 4.75%
Crediting Rate 10% Withdrawal Provision 4.60% 4.70%
Principal Guarantee Crediting Rate 4.50% 4.60%

MCA 5
5-year repeating guarantee : 5-year repeating surrender and MVA* period
$15,000 $100,000
Crediting Rate 5.00% 5.10%
Crediting Rate Interest-Only Withdrawal 4.95% 5.05%
Crediting Rate 10% Withdrawal Provision 4.90% 5.00%
Principal Guarantee Crediting Rate 4.80% 4.90%

MCA 7
7-year repeating guarantee : 7-year repeating surrender and MVA* period
$15,000 $100,000
Crediting Rate 4.90% 5.00%
Crediting Rate Interest-Only Withdrawal 4.85% 4.95%
Crediting Rate 10% Withdrawal Provision 4.80% 4.90%
Principal Guarantee Crediting Rate 4.70% 4.80%

* No MVA on products sold in California.
Crediting Rate does not include an optional withdrawal provision.
Principal Guarantee Crediting Rate includes a 10% withdrawal provision.

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

Distributor: Wintrust 587

Guaranteed Minimum Interest Rates:

  • MCA: 0.10%
  • ECI Participation Rate: 10%  |  ECI Enhanced Participation Rate: 10%  |  ECI 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.

The S&P 500® Index, S&P MARC 5% Excess Return Index, S&P 500 Daily Risk Control 5% Excess Return Index and the S&P 500 ESG Daily Risk Control 5% Excess Return Index are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Standard Insurance Company. 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”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Standard Insurance Company. Standard Insurance Company 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 S&P 500® Index, S&P MARC 5% Excess Return Index, S&P 500 Daily Risk Control 5% Excess Return Index and the S&P 500 ESG Daily Risk Control 5% Excess Return Index.