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Fixed Indexed Annuity

Enhanced Choice Index Plus 10

Standard

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9%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: July 16, 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.

Model this product

See what Enhanced Choice Index Plus 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$125,440
Est. value at age 80 (Enhanced Choice Index Plus 10)
9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Dynamic Intraday TCA Index (USD) ER — 12% Cap (Annual · 10-yr term)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Enhanced Choice Index Plus 10's published cap rate (12% on S&P 500 Dynamic Intraday TCA Index (USD) ER) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 10-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how Enhanced Choice Index Plus 10 compares for your age, state, premium, and income goals alongside other Standard fixed indexed annuity options.

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Live rate data

Run live numbers for Enhanced Choice Index Plus 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Standard product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

9% 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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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

9% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.5% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

47% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Locked Cap Rate

7% cap rate

Annual cap

7-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Locked Trigger Rate

100% participation rate + 5.5% declared rate

Participation

7-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

10-year term · 10-year surrender · Does not vary by premium

+ 7 additional crediting 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 contract is lower than the carrier's EclipseMark shelf — confirm liquidity expectations before electing this contract 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.

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All crediting strategies

View rate listings (13 strategies)

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

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Par: 175% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderDoes not vary by premium

Par: 175% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Par: 120% · 1-yr

BofA Global MegaTrends Index

participation

10-yr surrenderDoes not vary by premium

Par: 47% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Par: 100% + Declared: 9% · 10-yr

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

trigger

10-yr surrenderDoes not vary by premium

Par: 100% + Declared: 6.5% · 10-yr

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

Trigger Rate Plus · trigger

10-yr surrenderDoes not vary by premium

Par: 60% · 10-yr

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

participation

10-yr surrenderDoes not vary by premium

Cap: 12% · 10-yr

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

cap

10-yr surrenderDoes not vary by premium

Fixed: 4.25% · 10-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 100% + Declared: 5.5% · 7-yr

S&P 500 Index

Locked Trigger Rate · trigger

10-yr surrenderDoes not vary by premium

Cap: 7% · 7-yr

S&P 500 Index

Locked Cap Rate · cap

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Enhanced Choice Index Plus 10

● Can I lose money in Enhanced Choice Index Plus 10?

A negative index return by itself does not reduce the contract's account value: Enhanced Choice Index Plus 10 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Enhanced Choice Index Plus 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Enhanced Choice Index Plus 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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
Moody'sA1
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 13 displayed rate entries, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 47% annual participation rate
  • S&P 500 Index: 7% 7-year cap

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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See how Enhanced Choice Index Plus 10 compares for your age, state, premium, and income goals alongside other Standard fixed indexed annuity options.

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