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Fixed Indexed Annuity

Index Select Annuity 10

Standard

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8.75%

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 Index Select Annuity 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
$303,603
Est. value at age 80 (Index Select Annuity 10)
8.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.75% Cap (Annual)
✦
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 Index Select Annuity 10's published cap rate (8.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how Index Select Annuity 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 Index Select Annuity 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

8.75% cap on S&P 500

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.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want a simple, long-deferral accumulation FIA from an A-rated carrier — a recognizable S&P 500 cap as the only index strategy, a ten-year commitment, and no exposure to proprietary volatility-controlled indexes.

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

8.75% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

58% participation rate

Participation

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year surrender period is the longest the Index Select shelf files, and in exchange the cap on the S&P 500 strategy is typically higher than on its 5-year and 7-year siblings — a buyer who can hold to the full term sees the highest cap on the simplest index.
  • Crediting menu is intentionally narrow — a single recognizable S&P 500 annual point-to-point cap strategy alongside a fixed-account option in the live feed — so a buyer who wants simple-to-explain crediting without proprietary volatility-controlled indexes can hold this contract for the full surrender term.
  • 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.
  • Crediting is single-strategy — there is no participation-rate strategy on a proprietary index in the live feed, so a buyer who wants higher upside through a volatility-controlled index option (which the Enhanced Choice Index Plus and Thrive Plus shelves offer) will not find one inside this contract.
  • 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.
  • Not available in California or New York — the live feed shows the contract is not filed in those two states. Confirm filing in the buyer's state from the state-availability list on this page before quoting.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want exposure to participation-rate strategies on volatility-controlled indexes, or need short-surrender liquidity — the carrier's Index Select 5/7 siblings or its rider-led shelves are better fits.

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

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All crediting strategies

View rate listings (5 strategies)

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

Par: 58% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 8.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 56% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

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 Index Select Annuity 10

● Can I lose money in Index Select Annuity 10?

A negative index return by itself does not reduce the contract's account value: Index Select Annuity 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 Index Select Annuity 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Index Select Annuity 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

Standard Death Benefit

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

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed 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

19787isa10-2.pdf

Confidence: highReviewed Apr 8, 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

Index Select Annuity 10 currently shows 5 indexed or fixed crediting options, including S&P 500 Index. 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: 8.75% annual cap
  • S&P 500 Index: 8.5% annual cap
  • S&P 500 Index: 58% annual participation rate
  • S&P 500 Index: 56% annual participation rate

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 19787isa10-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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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