Fixed Indexed Annuity

Enhanced Choice Index Plus 5

The Standard

Best S&P 500 Annual Cap

10%

Free W/D

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 5 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.

Premium$100,000

Your age60

Crediting strategy

Compare against

$144,497

Est. value at age 80 (Enhanced Choice Index Plus 5)

Best S&P 500 1-yr point-to-point cap

S&P 500 Dynamic Intraday TCA Index (USD) ER — 12% Cap (Annual · 5-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 5'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; 5-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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Live rate data

Run live numbers for Enhanced Choice Index Plus 5

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

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want a short-surrender accumulation FIA with the deepest crediting menu the carrier offers — multiple S&P 500 strategies (cap, trigger), trigger and participation strategies on proprietary indexes, and explicit fee-bearing 'Enhanced' variants to compare against the no-fee versions inside the same contract.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

9% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

45% participation rate

Participation

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Locked Cap Rate

7.5% cap rate

Annual cap

5-year term · 5-year surrender · Does not vary by premium

5-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Locked Trigger Rate

100% participation rate + 6% declared rate

Participation

5-year term · 5-year surrender · Does not vary by premium

5-year term

5-year surrender

Does not vary by premium

Fixed Account

4.25% declared rate

Fixed account

5-year term · 5-year surrender · Does not vary by premium

5-year term

5-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

Five-year surrender period is short for an FIA, and the crediting menu is unusually deep for that length — the live feed publishes more than a dozen strategies on the S&P 500 (cap, trigger, locked-cap, locked-trigger), the S&P 500 Dynamic Intraday TCA, S&P 500 ESG Risk Control, S&P MARC, S&P 500 Daily Risk Control, and the BofA Global MegaTrends Index, including both standard and fee-bearing 'Enhanced' variants.
Standard and fee-bearing variants of the same strategies coexist in the live feed — the no-fee S&P 500 cap, the 'Enhanced Cap Rate with Strategy Fee' on the same index, the 'Enhanced Participation Rate with Strategy Fee' on multiple proprietary indexes — so buyers can directly compare what an explicit annual fee buys in raised cap or participation rate.
Trigger-rate strategies on the S&P 500 and the S&P 500 Dynamic Intraday TCA are available — a trigger strategy credits a fixed declared rate whenever the underlying index is non-negative for the term, an alternative to cap-and-trim crediting for buyers who want a known payout in any non-down year.
Free-withdrawal allowance and the full five-year surrender ladder are visible directly on this page from the live feed rather than gated behind a sales brochure. Filed broadly — the live feed shows the contract is unavailable only in New York.

What to confirm

Several strategies carry an explicit 'Strategy Fee' deducted annually from the account value — the 'Enhanced Cap Rate with Strategy Fee' on the S&P 500 and the 'Enhanced Participation Rate with Strategy Fee' on multiple indexes. The published cap or participation rate on those strategies is not directly comparable to a no-fee cap on the same index: the fee compounds against the account value every year, even in flat or down years. Read each strategy on its own terms.
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 500 ESG Risk Control, S&P MARC, 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.
A market value adjustment applies on early surrender on top of the surrender-charge schedule. 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 sibling. Not available in New York.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want a simpler one-or-two-strategy contract (Index Select 5 is the carrier's simpler short-surrender FIA), or are unwilling to evaluate fee-bearing 'Enhanced' strategies on their own merits — none of those describe what this contract is built to deliver.

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All crediting strategies

View rate listings (21 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: 7% · 1-yr

S&P 500 Index

trigger