Not for use with consumers.
Indexed Rate Annuity Calculator
Many indexed annuities credit interest annually based upon the performance of an index, limited to an annual cap rate.
- In a year that the index rises more than the cap rate, the interest credit is the cap rate.
- In a year that the index rises less than the cap rate, the entire increase is credited.
- In a year that the index declines, the annuity's value is protected from the decline, and there is there no interest credit.
To show how this works, this calculator provides an example using the actual changes in the S&P 500 ™ during the calendar years 2006 - 2020.
The calculation is based on the premium and cap rate you enter. This calculator does not reflect any particular indexed annuity product, thus it does not reflect or guarantee future performance of any product. Keep in mind that on most indexed annuities, the carrier can change the cap rate from year to year.
|Year||Index * Change||Crediting Rate||Interest||Ending Amt|
* The index is the S&P 500 ™.
This information may help you explore results to analyze your financial goals and needs. It is based solely on information provided by you. The calculations do not infer that Standard Insurance Company assumes any fiduciary duty or guarantees actual results. The calculations provided should not be considered financial, legal or tax advice. Additionally, the information should not be relied upon as the sole source of information. Hypothetical examples and past performance do not guarantee or indicate future performance.
The calculator is not an illustration and its results are not to be used for illustration purposes. We encourage you to seek advice from a qualified professional regarding your financial goals and issues.
'Standard & Poor's 500' and 'S&P 500®' are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Standard Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the Product. The S&P 500 index does not reflect dividends paid on the underlying stocks.