Focused Growth Annuity
(Blue Series)

Overview

A Rewarding Blend of Safety, Growth and Flexibility

The Focused Growth Annuity is a single-premium, deferred annuity offering a robust set of client-friendly features plus a market-value adjustment feature, which optimizes the growth potential of your client's savings.

Rate Guarantees - 5 or 7 Years

Your client may choose a 5 or 7-year initial interest rate guarantee period and receive the rate in effect at the time they buy the annuity for the entire length of the guarantee period. Interest is calculated and credited daily. 

Surrender Periods with Flexible Withdrawal Options

Surrender-charge periods match the rate guarantee periods on the FGA 5 and FGA 7. The 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 Focused Growth Annuity is a good fit for a long-term saver who likes the benefits of tax-deferred growth and protection as part of their retirement strategy.

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

Features
  • Focused Growth Annuity 5
    • 5-Year Rate Guarantee Period, 5-Year Market Value Adjustment Period
    • 5-Year Surrender-Charge Period (8%, 7%, 6%, 5%, 4%)
  • Focused Growth Annuity 7
    • 7-Year Rate Guarantee Period, 7-Year Market Value Adjustment Period
    • 7-Year Surrender-Charge Period (8%, 7%, 6%, 5%, 4%, 3%, 2%)
  • $15,000 to $1,000,000 initial premium (greater amounts may be possible if pre-approved before you submit an application)
  • Additional premium accepted in first 90 days
  • Issue age
    • FGA 5 issues to age 931
    • FGA 7 issues to age 90
  • Surrender-Charge-Free (and MVA-Free) Withdrawal Options
    • Regularly scheduled payments of interest earnings
    • Required minimum distribution
    • Terminal conditions
    • Nursing home residency2
    • Death benefits
    • Annuitization

1 The purchase of the annuity for those age 91-93 must be for transfer-of-wealth or estate-planning purposes.

2 Not available in MA.


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.

Sales Resources

FGA Marketing Materials

Brochure for 5 & 7 

Brochure for 5 & 7 for MN, MO, NJ, TX, WA 

Product Highlights Flyer 

 

Sample Policies

Focused Growth Annuity 5 Specimen Contract — MN, MO, NJ, TX, WA Specific 

Focused Growth Annuity 5 Specimen Contract — CA Specific 

Focused Growth Annuity 7 Specimen Contract — Generic 


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.

Effective date: 
9/10/2019

FGA 5 (Blue Series)

$15,000
$100,000
Crediting Rate
2.25
2.35

5-year guarantee : 5-year surrender and MVA period

FGA 7 (Blue Series)

$15,000
$100,000
Crediting Rate
2.25
2.35

7-year guarantee : 7-year surrender and MVA period