Learn About Our ISA Participation Rate

June 27, 2019
Learn About our ISA Participation Rate

A year ago, we made our Index Select Annuity 5, 7 and 10 even more appealing to clients by adding a participation rate index crediting option on one of the most commonly followed indices.

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.

See how an ISA 7 with a participation rate could have grown over the years.  Or use our ISA 5, 7 or 10 numerical example flyers to enter your own participation rate and rate cap to see how the annuity may grow.


The S&P 500 index annual returns shown do not indicate or provide any guarantee or assurance of future results. The values shown are for example only and assume no withdrawals; actual results and crediting rates will vary. The annuity value is not the surrender value; a surrender charge and market value adjustment apply. The MVA can increase or decrease the surrender value. The participation and cap rates utilized in this example were chosen by you; they do not represent the rates that were actually in effect during the period shown. The Standard is not responsible for the accuracy or completeness of the information you input. The Standard has the right to adjust participation and cap rates on an annual basis.


'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.


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