Flexible Premium Deferred Annuity


We are not issuing any new FPDA policies outside of existing plans. Companies with pension plans that have active FPDA policies can continue to purchase FPDA policies for new plan participants.

A Deferred Annuity With Flexible, Ongoing Payment Options

The Flexible Premium Deferred Annuity is a flexible-premium, deferred annuity that accepts ongoing deposits of as little as $50 per month.

One-Year Rate Guarantee Followed By Competitive Renewal Rates

There is a one-year interest rate guarantee period on each deposit, which secures the crediting rate for that duration. At the end of the guarantee period, your client benefits from competitive renewal rates based on the current interest-rate environment and current market conditions.

Principal Guarantee

Every contract includes a principal guarantee, which ensures that your client will never receive less than total premium payments, less any previous withdrawals.

Nine-Year Surrender Period With Flexible Withdrawal Options

There is a nine-year surrender-charge period and each contract offers a variety of ways for your client to access funds before the end of the surrender-charge period without paying a surrender charge. In addition, there is no window at the end of the surrender-charge period, during which time owners are generally required to make a decision prior to a restart of surrender charges.

Target Clients

The Flexible Premium Deferred Annuity is an ideal savings vehicle for those seeking the flexibility of ongoing premium deposits and the benefits of tax-deferred growth.

This annuity is also an excellent way to enhance your client’s retirement-savings plan and can be used to fund 403(b) TSAs, IRAs and SEPs.


Some products and rate guarantee periods available through select distribution only.

Rates may change without notice. Products of Standard Insurance Company. Product features and availability varies by state.

  • Return of Premium Guaranteed
  • 1-Year Rate Guarantee on Each Deposit
  • 9-Year Surrender-Charge Period (9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%)
  • $600 Annually to $1,000,000 initial premium (higher amounts may be permitted with prior home-office approval)
  • Ongoing Premium Accepted
  • Issue to Age 90
  • No Automatic Surrender Reset
  • Surrender-Charge-Free Withdrawal Options
    • 10% Annual Withdrawals (after the first contract year)
    • Payments of Interest Earnings (beginning immediately)
    • Early-Retirement Feature
    • Nursing Home Waiver
    • Terminal Condition Waiver
    • Death Benefit
    • Annuitization
    • Substantially Equal Periodic Payments
    • IRS Required Minimum Distributions
  • No Market Value Adjustment
Effective date: 


$600 Initial Annual
Crediting Rate

1-year guarantee : 9-year surrender

FPDA only available for contributions to existing plans.

Rates may change without notice.