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Fixed Indexed Annuity

Index Select Annuity 5

Standard

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9%

Best S&P 500 Annual Cap

10%

Free W/D

50

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 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.
Crediting strategy
Compare against
$306,405
Est. value at age 80 (Index Select Annuity 5)
9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9% 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 5's published cap rate (9% 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 5 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 5

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 short-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 five-year declining surrender ladder and an MVA on early surrender.

1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want a simple, short-term accumulation FIA from an A-rated carrier with a recognizable S&P 500 cap as the only index strategy and the shortest surrender lockup the carrier files on an FIA chassis.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Participation

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender period is short for an FIA — capital is contractually accessible without surrender penalty several years sooner than the carrier's long-deferral filings (Thrive Plus 10, Enhanced Choice Index Plus 10), so this is the shortest-term lockup The Standard files for an FIA chassis.
  • 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 the comparison shopping is straightforward and there are no proprietary volatility-controlled indexes to evaluate.
  • 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 in the live feed — every US state plus DC except New York — so the contract is accessible for nearly every buyer outside of NY.

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.
  • Caps on a five-year FIA are structurally expected to be lower than on the carrier's longer-surrender contracts (Thrive Plus 10, EclipseMark 10, Enhanced Choice Index Plus 10) — do not benchmark this product against the carrier's ten-year FIAs and conclude crediting is weak.
  • 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 will not find one inside this contract.
  • A market value adjustment applies on early surrender on top of the surrender-charge schedule, so unplanned liquidity beyond the published free-withdrawal allowance in the surrender window carries an additional interest-rate-sensitive cost on top of the published charge. Not available in New York.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want exposure to participation-rate strategies on volatility-controlled indexes, or want the higher caps a longer-surrender FIA from the same carrier offers — a longer-surrender or income-led contract is a better fit.

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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: 55% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 9% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 53% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 8.75% · 1-yr

S&P 500 Index

cap

5-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 5

● Can I lose money in Index Select Annuity 5?

A negative index return by itself does not reduce the contract's account value: Index Select Annuity 5 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 5 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 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Index Select Annuity 5 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.

Minimum fixed-rate increase

0.00%

Minimum fixed-rate increase: 0.00%

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%

After

0%

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

Documents

brochure

19788isa.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

Index Select Annuity 5 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: 9% annual cap
  • S&P 500 Index: 8.75% annual cap
  • S&P 500 Index: 55% annual participation rate
  • S&P 500 Index: 53% 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
  • 5 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 19788isa.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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