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Fixed Indexed Annuity

Index Select Annuity 10

Standard

8.75%

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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 termAdvisorWorld + 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

Rate varies by premium band.

S&P 500

S&P 500 Index

58% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

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.

All crediting strategies

View rate listings (6 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: 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: 58% · 1-yr

S&P 500 Index

$100,000+

Cap: 8.75% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

$100,000+

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

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

Strategy guarantee

Minimum guaranteed participation: 10.00%

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
S&PA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Index Select Annuity 10 currently shows 3 distinct indexed or fixed crediting choices across 6 current rate listings, including S&P 500 Index and Fixed Account. 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: 8.75% cap
  • S&P 500 Index: 58% participation
  • Fixed Account: 4.5% fixed

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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