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Fixed Indexed Annuity

Thrive Plus 10 Bonus

Standard

6.25%

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 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

6.25% cap on S&P 500

A long-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around an upfront premium bonus vesting evenly across the surrender term, paired with a recognizable S&P 500 cap, a cap strategy 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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who can hold to the full ten-year surrender and bonus-vesting window, want an upfront premium bonus added to their accumulation value at issue, and accept materially lower current caps in exchange for that 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

6.25% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 4.25% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

30% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

4.5% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.5% declared rate

+ 2 volatility-controlled index options (S&P 500, Barclays Fortune)

Product analyst notes

How to think about this contract

Why it can stand out

  • Headline structural feature is an upfront premium bonus credited to the accumulation value at issue, vesting evenly across the surrender term per the live feed — this is what distinguishes 'Thrive Plus 10 Bonus' from the no-bonus Thrive Plus 10 sibling, and the bonus value plus vesting schedule are visible directly on this page from the live feed.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a cap strategy on the S&P 500 Dynamic Intraday TCA and a participation-rate strategy on the Barclays Fortune 500 ER Dividends Index — so the upfront bonus does not replace the index-strategy menu, it adds to it.
  • 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 premium bonus is not free money. The vesting schedule in the live feed shows the bonus is forfeitable on early surrender for the full ten-year term — confirm with the carrier exactly how much of the bonus a buyer keeps if the contract is surrendered before vesting completes.
  • Caps and participation rates on the Bonus filing are materially lower than on the no-bonus Thrive Plus 10 sibling — the live feed makes that visible side-by-side. The bonus pays for the cap reduction, so the buyer must hold to vesting to come out ahead. Compare both filings before electing the Bonus.
  • 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.
  • 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 the highest current caps in a ten-year chassis (the no-bonus Thrive Plus 10 sibling pays higher caps without the bonus), need a guaranteed-lifetime-withdrawal rider, may surrender before bonus vesting completes, or need short-surrender liquidity.

All crediting strategies

View rate listings (14 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: 4.25% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $249,999.99

Par: 30% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $249,999.99

Cap: 6.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $249,999.99

Fixed: 2.5% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $249,999.99

Par: 50% · 10-yr

Barclays Fortune 500 ER Dividends Index

participation

10-yr surrenderUp to $249,999.99

Cap: 9% · 10-yr

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

cap

10-yr surrenderUp to $249,999.99

Cap: 4.5% · 7-yr

S&P 500 Index

Locked Cap Rate · cap

10-yr surrenderUp to $249,999.99

Par: 100% + Fixed: 4.25% · 1-yr

S&P 500 Index

Up to $249,999.99

Par: 30% · 1-yr

S&P 500 Index

Up to $249,999.99

Cap: 6.25% · 1-yr

S&P 500 Index

Up to $249,999.99

Fixed: 2.5% · 1-yr

Fixed Account

Up to $249,999.99

Par: 50% · 10-yr

Barclays Fortune 500 ER Dividends Index

Up to $249,999.99

Cap: 9% · 10-yr

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

Up to $249,999.99

Cap: 4.5% · 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

Premium bonus

12%

Bonus terms can vary by state, premium band, and rider election.

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 Bonus currently shows 7 distinct indexed or fixed crediting choices across 14 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: 6.25% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 30% 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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