Certainty Means Security


Annuities offer a secure way to build your nest egg. You can use them to save for the future or to ensure your money lasts the rest of your life. An annuity can help meet your needs through a combination of safety, tax deferral and choice.

What Is an Annuity and How Does It Work?

An annuity is an insurance contract. You pay your premium and the annuity typically grows at a set rate and in a tax-deferred status. You can choose to receive your payments immediately or defer them to a date in the future. What defines an annuity contract? The option to receive your payments as guaranteed income for the rest of your life.

Key Features
Earns interest that grows tax deferred until you withdraw it
Guarantees payments either beginning immediately or at a future date
Gives you the option to receive guaranteed income for the rest of your life
Why Choose The Standard?
Flexible access
Flexible Access to Funds
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Access Funds and Keep Your Contract

Our annuities let you access funds and keep your contract. Deferred annuities have a period of time you have to wait to withdraw funds without paying a penalty. This time frame is called the surrender-charge period. But with our annuities, you have a number of ways to withdraw funds during the contract's surrender-charge period without any charges. After the surrender-charge period ends, you can withdraw some or all of the annuity funds without charge.

Strength and Stability
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Over 100 Years of Financial Security

It's important to consider the strength and stability of the company providing annuities because the FDIC does not insure annuity payments. We’ve been fulfilling our promises since 1906 and have earned an "A" rating or higher from A.M. Best for more than 75 years.

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The Standard goes the extra mile.
We Go the Extra Mile for You
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The Standard goes the extra mile.

Service That Goes Above and Beyond

When you purchase an annuity from us, you receive more than competitive rates and innovative product features. You get personalized customer service starting from day one.

Explore deferred annuities

Save Money for the Future

Looking for steady growth potential and predictable, tax-advantaged savings? An annuity may be a smart choice for you.

Explore immediate annuities

Make Your Money Last

If you have a lump sum of money, you can convert it into a safe and steady income stream that lasts for years — or even the rest of your life.

Download the annuities guide

Annuities Explained in Plain Language

Want basic insights into how an annuity works? Download our helpful guide.

Waiting for ratest to change?

Waiting for Rates to Change?

If you’re waiting for rates to go up, it could cost you more than time. Find out why it pays to start an annuity now.

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How Can I Buy an Annuity?

Your financial advisor can help you purchase annuities from The Standard. Don’t have an advisor? We can connect you with an expert who can answer your questions and provide the latest rates.

Could Annuities Be Right for You?

Talk to your financial advisor about annuity options to fit your investment goals.

Connect With an Annuities Expert