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Fixed Indexed Annuity

Thrive Plus 10

Standard

9.5%

Best Cap

15%

Free W/D

48

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

9.5% cap on S&P 500

A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a recognizable S&P 500 annual point-to-point cap alongside cap and trigger strategies on the S&P 500 Dynamic Intraday TCA and a participation-rate strategy on the Barclays Fortune 500 ER Dividends Index, on a ten-year surrender chassis with a generous free-withdrawal allowance and an MVA on early surrender.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want a long-deferral accumulation FIA from an A-rated carrier with the carrier's most generous free-withdrawal allowance and a crediting menu that mixes a recognizable S&P 500 cap with trigger and participation-rate strategies on proprietary indexes — and who prefer current caps over an upfront premium bonus.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

15%/yr

Availability

48 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 6.75% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

45% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

7% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

+ 3 volatility-controlled index options (S&P 500, Barclays Fortune...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year surrender period is the Thrive shelf's flagship length, and in exchange the caps and participation rates on the index strategies are typically higher than on the seven-year Thrive Plus 7 sibling — a buyer who can hold to term sees the highest crediting on this shelf without trading away current caps for an upfront bonus.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a participation-rate strategy on a proprietary index (Barclays Fortune 500 ER Dividends), a cap strategy on the S&P 500 Dynamic Intraday TCA, and a 'Trigger Rate Plus' alternative on the same index — so buyers can mix a like-for-like S&P comparison option with a trigger-style strategy and a participation-rate strategy on a proprietary index.
  • Annual free-withdrawal allowance is unusually generous for a long-deferral FIA — higher than the carrier's Enhanced Choice 10 sibling publishes — and is paired with nursing-home, RMD, and terminal-illness surrender waivers, all visible directly on this page from the live feed.
  • 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

  • The 'Thrive Plus 10 Bonus' sibling on this carrier is a premium-bonus variant of the same chassis — same surrender ladder, same jurisdictional footprint (both filings exclude California, New Jersey, and New York), but the Bonus filing trades lower current caps for an upfront premium bonus that vests across the surrender term. Compare both filings before electing the no-bonus version, and do not confuse the Bonus variant with a state-segmented sibling — both filings cover the same states.
  • 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.
  • The 'S&P 500 Dynamic Intraday TCA' and 'Barclays Fortune 500 ER Dividends' indexes are proprietary or excess-return strategies — their participation or trigger rates look high in absolute terms but are not directly comparable to an S&P 500 cap.
  • 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. Not available in California, New Jersey, or New York — confirm filing in the buyer's state.

Not ideal for

Buyers who want an upfront premium bonus (the Thrive Plus 10 Bonus sibling provides one in exchange for lower caps), need a guaranteed-lifetime-withdrawal rider, or need short-surrender liquidity (the Thrive Plus 7 sibling or the Index Select shelf are better fits).

All crediting strategies

View rate listings (16 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: 100% + Fixed: 6.75% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $249,999.99

Par: 45% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $249,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $249,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $249,999.99

Par: 100% + Fixed: 6.75% · 10-yr

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

Trigger Rate Plus · trigger

10-yr surrenderUp to $249,999.99

Par: 75% · 10-yr

Barclays Fortune 500 ER Dividends Index

participation

10-yr surrenderUp to $249,999.99

Cap: 11.5% · 10-yr

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

cap

10-yr surrenderUp to $249,999.99

Cap: 7% · 7-yr

S&P 500 Index

Locked Cap Rate · cap

10-yr surrenderUp to $249,999.99

Par: 100% + Fixed: 6.75% · 1-yr

S&P 500 Index

Up to $249,999.99

Par: 45% · 1-yr

S&P 500 Index

Up to $249,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

Up to $249,999.99

Fixed: 3.75% · 1-yr

Fixed Account

Up to $249,999.99

Par: 100% + Fixed: 6.75% · 10-yr

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

Trigger Rate Plus

Up to $249,999.99

Par: 75% · 10-yr

Barclays Fortune 500 ER Dividends Index

Up to $249,999.99

Cap: 11.5% · 10-yr

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

Up to $249,999.99

Cap: 7% · 7-yr

S&P 500 Index

Locked Cap Rate

Up to $249,999.99

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

15%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

4

Activities of daily living, Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Enhanced DB

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

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

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA
S&PA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Thrive Plus 10 currently shows 8 distinct indexed or fixed crediting choices across 16 current rate listings, including S&P 500 Index, with 1 volatility-controlled index option grouped separately. 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: 9.5% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 45% participation

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.

  • 15%/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

This page uses the current structured product data returned for the contract. 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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