The Standard
The public brand of Standard Insurance Company - a Portland, Oregon insurer founded in 1906 and owned since 2016 by Japan-based Meiji Yasuda Life - carrying an A (Excellent) rating from AM Best across one of the broader indexed-and-fixed annuity lineups in its batch.
Financial strength
A
AM Best
A+
S&P Global
A1
Moody's
AM Best A (Excellent)
Standard Insurance Company carries an A (Excellent) Financial Strength Rating from AM Best - a strong claims-paying category, though not the very top AM Best tier.
Founded 1906
Traces to 1906, when it was founded as Oregon Life Insurance Company; more than a century of operating history from a Portland, Oregon base.
Meiji Yasuda-owned
A member of the Meiji Yasuda Life Insurance Company family of companies since 2016 - global insurance-company parentage with a long-term, non-private-equity orientation.
15-product lineup
The Standard's annuity lineup spans 15 products - 13 fixed indexed annuity pages plus 2 declared-rate MYGAs - across the EclipseMark, Enhanced Choice Index Plus, Index Select, and Thrive Plus families.
Benefits & retirement platform
Individual annuities are one line inside a diversified StanCorp platform spanning workplace benefits, disability, life, retirement plans, and stable value - not an annuity-only shop.
Run live numbers on The Standard products
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Growth FIAs
Selected product: EclipseMark 5
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
Other current products
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Explore The Standard products
The Standard’s lineup, grouped by what each product group is built to do. Current rates come from CANNEX via AdvisorWorld and are checked daily.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
EclipseMark 5
A short-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a recognizable S&P 500 annual point-to-point cap and a participation-rate strategy on the BofA Global MegaTrends Index, with a five-year surrender ladder, a generous annual free-withdrawal allowance, a GMAB accumulation floor, and an MVA on early surrender.
S&P 500 annual cap
7%
EclipseMark 5 Plus
A short-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around an upfront premium bonus with multi-year vesting, paired with a recognizable S&P 500 cap and a participation-rate strategy on the BofA Global MegaTrends Index, on a five-year surrender chassis with a generous annual free-withdrawal allowance and a GMAB accumulation floor.
S&P 500 annual cap
4.5%
EclipseMark 10
A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a recognizable S&P 500 annual point-to-point cap and a participation-rate strategy on the BofA Global MegaTrends Index, with a ten-year surrender ladder, a generous annual free-withdrawal allowance, a GMAB accumulation floor, and an MVA on early surrender.
S&P 500 annual cap
8.5%
EclipseMark 10 Plus
A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around an upfront premium bonus vesting evenly across the surrender term, paired with a recognizable S&P 500 cap and a participation-rate strategy on the BofA Global MegaTrends Index, on a ten-year surrender chassis with a generous annual free-withdrawal allowance and a GMAB accumulation floor.
S&P 500 annual cap
5.25%
Enhanced Choice Index Plus 5
A short-surrender accumulation fixed indexed annuity from The Standard (A-rated) with an unusually deep crediting menu — more than a dozen strategies including a recognizable S&P 500 cap, S&P 500 trigger rates, and standard and fee-bearing 'Enhanced' variants on multiple proprietary volatility-controlled indexes — on a five-year surrender chassis with an MVA on early surrender.
S&P 500 annual cap
12%
Enhanced Choice Index Plus 7
A mid-surrender accumulation fixed indexed annuity from The Standard (A-rated) with an unusually deep crediting menu — more than a dozen strategies including a recognizable S&P 500 cap, S&P 500 trigger rates, and standard and fee-bearing 'Enhanced' variants on multiple proprietary volatility-controlled indexes — on a seven-year surrender chassis with an MVA on early surrender.
S&P 500 annual cap
12.5%
Enhanced Choice Index Plus 10
A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) with a deep crediting menu — a recognizable S&P 500 cap and trigger strategies alongside participation-rate strategies on multiple proprietary volatility-controlled indexes — on a ten-year surrender chassis with an MVA on early surrender.
S&P 500 annual cap
9%
Index Select Annuity 5
A short-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a single recognizable S&P 500 annual point-to-point cap strategy and a fixed-account option, with a five-year declining surrender ladder and an MVA on early surrender.
S&P 500 annual cap
9%
Index Select Annuity 7
A mid-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a single recognizable S&P 500 annual point-to-point cap strategy and a fixed-account option, with a seven-year declining surrender ladder and an MVA on early surrender.
S&P 500 annual cap
9.25%
Index Select Annuity 10
A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a single recognizable S&P 500 annual point-to-point cap strategy and a fixed-account option, with a ten-year declining surrender ladder and an MVA on early surrender.
S&P 500 annual cap
8.75%
Thrive Plus 7
A mid-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a recognizable S&P 500 annual point-to-point cap alongside a trigger strategy on the S&P 500 Dynamic Intraday TCA and a participation-rate strategy on the Barclays Fortune 500 ER Dividends Index, on a seven-year surrender chassis with a generous free-withdrawal allowance and an MVA on early surrender.
S&P 500 annual cap
9.5%
Thrive Plus 10
A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a recognizable S&P 500 annual point-to-point cap alongside cap and trigger strategies on the S&P 500 Dynamic Intraday TCA and a participation-rate strategy on the Barclays Fortune 500 ER Dividends Index, on a ten-year surrender chassis with a generous free-withdrawal allowance and an MVA on early surrender.
S&P 500 annual cap
10%
Thrive Plus 10 Bonus
A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around an upfront premium bonus vesting evenly across the surrender term, paired with a recognizable S&P 500 cap, a cap strategy on the S&P 500 Dynamic Intraday TCA, and a participation-rate strategy on the Barclays Fortune 500 ER Dividends Index, on a ten-year surrender chassis with a generous free-withdrawal allowance.
S&P 500 annual cap
7%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-16. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Company overview
What The Standard is
Standard Insurance Company, operating under The Standard brand, is a Portland, Oregon insurer and the principal legal issuer of individual annuities outside New York. The Standard is the public marketing name used by StanCorp Financial Group, Inc. and its subsidiaries.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Since 2016, StanCorp Financial Group has been part of the Meiji Yasuda Life Insurance Company family of companies. Product obligations, underwriting, and claims-paying strength sit at the issuing insurance company level - Standard Insurance Company for non-New York annuities.
Member since 2016 · AnnuityRatesHQ carrier research
Among The Standard's annuity families are EclipseMark Fixed Indexed Annuities, Enhanced Choice Index Plus, and Multi Choice Annuity.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1906
Founded as Oregon Life Insurance Company; headquartered in Portland, Oregon.
Founded 1906 · AnnuityRatesHQ carrier research
Owner
Meiji Yasuda
StanCorp Financial Group has been a member of the Meiji Yasuda Life Insurance Company family of companies since 2016.
Member since 2016 · AnnuityRatesHQ carrier research
Platform scale
$74.89B AUA
Company-at-a-glance figure for the broader The Standard / StanCorp platform - assets under administration, not individual annuity reserves alone.
Group figure · AnnuityRatesHQ carrier research; The Standard company-at-a-glance
AM Best
A (Excellent)
A Financial Strength Rating from AM Best for Standard Insurance Company.
Checked 2026-07-07 · CANNEX Financial Exchanges via AdvisorWorld; The Standard disclosures (as of Feb 2026)
History highlights
The Standard traces to 1906, when it was founded as Oregon Life Insurance Company in Portland, Oregon.
Founded 1906 · AnnuityRatesHQ carrier research
Over the following century it evolved from a regional life insurer into a national employee benefits and retirement platform under StanCorp Financial Group, adding disability, life, retirement plans, stable value, and annuities.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
In 2016 StanCorp joined the Meiji Yasuda Life Insurance Company family of companies. In May 2026 The Standard announced an agreement to transition its individual annuities business to affiliate Pacific Guardian Life, expected to close in early 2027 pending regulatory approvals.
Member since 2016 · AnnuityRatesHQ carrier research; The Standard newsroom (May 21, 2026)
A century-old Oregon insurer inside the Meiji Yasuda family
The Standard is the public brand of Standard Insurance Company, itself a subsidiary of StanCorp Financial Group, Inc. The brand should not be treated as the legal guarantor on its own - Standard Insurance Company is the issuing carrier for non-New York annuities, and The Standard Life Insurance Company of New York is the separate New York issuer.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
StanCorp Financial Group has been a member of the Meiji Yasuda Life Insurance Company family of companies since 2016. Meiji Yasuda is a large Japan-based life insurer with a long-term insurance-company orientation rather than a private-equity roll-up model, which supports a stability-and-continuity narrative behind the guarantees.
Member since 2016 · AnnuityRatesHQ carrier research
In May 2026, Standard Insurance Company and Pacific Guardian Life - both Meiji Yasuda companies - announced a definitive agreement to transition The Standard's individual annuities business to Pacific Guardian Life, expected to close in early 2027 subject to regulatory approvals. It is an announced agreement, not a completed change; Standard Insurance Company remains the issuer until closing.
Announced 2026-05-21 · AnnuityRatesHQ carrier research; The Standard newsroom (May 21, 2026)
Financial strength
AM Best
CurrentA
Excellent financial-strength rating - a strong claims-paying category, though not the very top AM Best tier.
Checked 2026-07-07
S&P Global
A+
Strong financial-strength rating for Standard Insurance Company, as disclosed by The Standard.
Company-disclosed as of Feb 2026
Moody's
A1
Good financial-strength rating for Standard Insurance Company, as disclosed by The Standard.
Company-disclosed as of Feb 2026
What makes The Standard different
More than a century of operation
Founded in 1906 as Oregon Life Insurance Company, The Standard has navigated multiple economic cycles - a long track record that matters for long-duration deferred and income annuity promises.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Global insurer parentage
Ownership through Meiji Yasuda since 2016 links The Standard to a large Japan-based life insurer with a long-term capital orientation, reinforcing a stability-and-continuity story rather than a short-duration acquisition thesis.
Member since 2016 · AnnuityRatesHQ carrier research
A diversified benefits platform
Individual annuities are one line inside a StanCorp platform spanning workplace benefits, disability, life, retirement plans, and stable value - a diversified institution rather than a rate-sheet-only annuity carrier.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
A broad indexed-plus-fixed shelf
The current annuity lineup runs 15 products: the EclipseMark, Enhanced Choice Index Plus, Index Select, and Thrive Plus fixed indexed families (with base and bonus variants), plus the Focused Growth and Multi Choice declared-rate MYGAs - all shown with current values for each product.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About The Standard
The Standard is the public brand of Standard Insurance Company, a Portland, Oregon insurer founded in 1906 as Oregon Life Insurance Company. It is the principal legal issuer of individual annuities outside New York, sitting under StanCorp Financial Group, a member of the Meiji Yasuda Life Insurance Company family of companies since 2016.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Standard Insurance Company carries an A (Excellent) rating from AM Best (with A+ from S&P and A1 from Moody's disclosed as of February 2026) and positions annuities around security, tax-deferred growth, guaranteed income, and service rather than speculative upside - one conservative line inside a diversified benefits and retirement platform.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; The Standard disclosures
The Standard offers several FIA families, including EclipseMark, Index Select, and Thrive Plus, along with Focused Growth and Multi Choice fixed annuities.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
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Sources
- The Standard corporate site — Checked 2026-07-07
- AnnuityRatesHQ carrier research - Standard (founded 1906 as Oregon Life; Meiji Yasuda ownership since 2016; AM Best A live) — Checked 2026-07-07
- The Standard financial-strength disclosures - Standard Insurance Company A (AM Best), A+ (S&P), A1 (Moody's), as of February 2026 — As of Feb 2026
- The Standard newsroom - agreement to transition individual annuities business to Pacific Guardian Life (announced, not closed) — Announced 2026-05-21
- Live product catalog (EclipseMark, Enhanced Choice Index Plus, Index Select, Thrive Plus FIAs; Focused Growth, Multi Choice MYGAs), rates, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026