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Fixed Indexed Annuity

Enhanced Choice Index Plus 10

Standard

8.5%

Best Cap

10%

Free W/D

49

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

8.5% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want a long-deferral accumulation FIA from an A-rated carrier and prefer a deep crediting menu that combines a recognizable S&P 500 cap with higher-participation strategies on proprietary indexes inside the same contract.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

S&P 500

S&P 500 Index

100% participation rate + 6.25% declared rate

S&P 500

S&P 500 Index

47% participation rate

S&P 500

S&P 500 Index

6.5% cap rate

S&P 500

S&P 500 Index

100% participation rate + 5.25% declared rate

Fixed Account

Fixed Account

4% declared rate

+ 7 volatility-controlled index options (S&P 500, S&P MARC, BofA Global...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year surrender period is the longest the Enhanced Choice shelf files — in exchange the participation rates on the participation-rate strategies are typically higher than on the 5-year and 7-year siblings, so a buyer who can hold to term sees the highest participation on the proprietary index strategies the contract offers.
  • Crediting menu in the live feed includes both S&P 500 cap and trigger strategies and participation-rate strategies on a slate of proprietary indexes (S&P 500 Dynamic Intraday TCA, S&P MARC Excess Return, S&P 500 Daily Risk Control, BofA Global MegaTrends) — so buyers can mix a like-for-like S&P comparison option with higher-participation volatility-controlled alternatives inside the same contract.
  • Free-withdrawal allowance and the full ten-year surrender ladder are visible directly on this page from the live feed rather than gated behind a sales brochure.
  • Backed by The Standard (Standard Insurance Company), an A-rated carrier by A.M. Best — investment-grade A tier, suitable for a long-deferral principal commitment.

What to confirm

  • This contract has no guaranteed-lifetime-withdrawal rider in the live feed — it is not a substitute for a rider-led income product and should not be compared to one on lifetime payout.
  • Several of the index options are proprietary, volatility-controlled excess-return indexes (S&P 500 Dynamic Intraday TCA, S&P MARC, S&P 500 Daily Risk Control, BofA Global MegaTrends). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own back-tested behavior.
  • Ten-year surrender lockup is a long commitment with a steep first-year charge that declines across the term, and a market value adjustment applies on surrenders above the published free-withdrawal allowance — this is not a short-term cash equivalent.
  • The annual free-withdrawal allowance on this filing is lower than the carrier's EclipseMark shelf — confirm liquidity expectations before electing this filing over the EclipseMark 10 sibling. Not available in California or New York — confirm filing in the buyer's state.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want a simpler one-or-two-strategy contract (Index Select 10 is the carrier's simpler ten-year FIA), or need short-surrender liquidity — a different shelf inside the carrier's family is a better fit.

All crediting strategies

View rate listings (26 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Fixed: 6.25% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 175% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 175% · 1-yr

S&P 500 Daily Risk Control 5% Excess Return (USD) Index

participation

10-yr surrender

Par: 120% · 1-yr

BofA Global MegaTrends Index

participation

10-yr surrender

Par: 47% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 8.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Par: 100% + Fixed: 8.75% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

trigger

10-yr surrender

Par: 100% + Fixed: 6.25% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Trigger Rate Plus · trigger

10-yr surrender

Par: 60% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Cap: 11% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

10-yr surrender

Fixed: 4% · 10-yr

Fixed Account

fixed

10-yr surrender

Par: 100% + Fixed: 5.25% · 7-yr

S&P 500 Index

Locked Trigger Rate · trigger

10-yr surrender

Cap: 6.5% · 7-yr

S&P 500 Index

Locked Cap Rate · cap

10-yr surrender

Par: 100% + Fixed: 6.25% · 1-yr

S&P 500 Index

Par: 175% · 1-yr

S&P MARC 5% Excess Return

Par: 175% · 1-yr

S&P 500 Daily Risk Control 5% Excess Return (USD) Index

Par: 120% · 1-yr

BofA Global MegaTrends Index

Par: 47% · 1-yr

S&P 500 Index

Cap: 8.5% · 1-yr

S&P 500 Index

Par: 100% + Fixed: 8.75% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Par: 100% + Fixed: 6.25% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Trigger Rate Plus

Par: 60% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Cap: 11% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Fixed: 4% · 10-yr

Fixed Account

Par: 100% + Fixed: 5.25% · 7-yr

S&P 500 Index

Locked Trigger Rate

Cap: 6.5% · 7-yr

S&P 500 Index

Locked Cap Rate

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Enhanced DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9.4%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

2.5%

Yr 9

1.5%

Yr 10

0.5%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

23539ecip10.pdf

Confidence: highReviewed Apr 5, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Enhanced Choice Index Plus 10 currently shows 12 distinct indexed or fixed crediting choices across 26 current rate listings, including S&P 500 Index and S&P 500 Daily Risk Control 5% Excess Return (USD) Index, with 2 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.5% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 47% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 23539ecip10.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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