Do You Know About the ISA Participation Rate?

September 3, 2019
Do You Know About the ISA Participation Rate?

It’s been a year since we added a participation rate index crediting option to our Index Select Annuity 5, 7 and 10. Have you talked to your clients about this appealing addition?

How Does the Participation Rate Work?

Clients earn interest based on a percentage of the growth of the S&P 500® index each year. That percentage is the annual participation rate. The participation rate is multiplied by the percentage growth in the index at the end of the term. Earned interest is not limited by an annual index rate cap.

This crediting option still offers growth opportunity linked to the S&P 500. This allows clients to benefit from increases in the index while being protected from market downturns.

Sales Tools to Use with Clients

Our ISA 5, 7 or 10 numerical example flyers help tell the story of how a participation rate works over the years. Use our marketing flyers to help position how the participation rate can be advantageous to your clients.


“S&P 500®” is a trademark of The McGraw-Hill Companies, Inc. and has 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 index does not reflect dividends paid on the underlying stocks.

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.

The Index Select Annuity is a product of Standard Insurance Company; availability varies by state. Contract: ICC17-SPDA-IA, SPDA-IA. Riders: ICC17-R-PTP, ICC17-R-GMAB-IA, ICC17-R-MVA-IA, ICC17-R-TCB-IA, ICC17-R-NHB-IA, ICC17-R-ANN-IA, ICC17-R-DB-IA, ICC17-R-ANNDW, ICC17-R-POF-IA, ICC17-R-IRA, ICC17-R-Roth IRA, ICC17-R-QPP, ICC17-R-ERTSA, ICC17-R-NERTSA, R-PTP, R-GMAB-IA, R-MVA-IA, R-TCB-IA, R-NHB-IA, R-ANN-IA, R-DB-IA, R-ANNDW, R-POF-IA, R-IRA, R-Roth IRA, R-QPP, R-ERTSA, R-NERTSA. The ISA products include an MVA provision. Surrender charges may apply to withdrawals during the surrender period. A 10% IRS penalty may apply to withdrawals prior to age 59½. The annuity is not guaranteed by any bank or credit union and is not insured by the FDIC or any other governmental agency.

The purchase of an annuity is not a provision or condition of any bank or credit union activity. Some annuities may go down in value.


Sales Ideas