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Fixed Indexed Annuity

Thrive Plus 7

Standard

9%

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

9% cap on S&P 500

A mid-surrender accumulation fixed indexed annuity from The Standard (A-rated) built around a recognizable S&P 500 annual point-to-point cap alongside a trigger strategy on the S&P 500 Dynamic Intraday TCA and a participation-rate strategy on the Barclays Fortune 500 ER Dividends Index, on a seven-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 mid-surrender 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 a trigger strategy and a participation-rate strategy on a proprietary index.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

15%/yr

Availability

48 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 6.25% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

40% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

6.5% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.25% 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

  • Seven-year surrender period is shorter than the Thrive shelf's flagship ten-year variants, so capital is contractually accessible without surrender penalty three years sooner — a buyer who wants Thrive's crediting menu but on a shorter commitment chooses this filing over Thrive Plus 10.
  • 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), and adds a 'Trigger Rate Plus' strategy on the S&P 500 Dynamic Intraday TCA — so buyers can mix a like-for-like S&P comparison option with a trigger-style alternative and a participation-rate strategy on a proprietary index.
  • Annual free-withdrawal allowance is generous for an FIA — higher than the carrier's Enhanced Choice shelf 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 mid-term 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.
  • 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. Evaluate each strategy on its own back-tested behavior.
  • Caps and participation rates on a seven-year FIA are structurally lower than on the carrier's ten-year Thrive Plus 10 sibling — do not benchmark this product against ten-year filings and conclude crediting is weak.
  • A market value adjustment applies on early surrender on top of the surrender-charge schedule. Not available in California, New Jersey, or New York — the live feed shows the contract is not filed in those three states. Confirm filing in the buyer's state.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want the higher caps a ten-year Thrive Plus 10 sibling offers, want an upfront premium bonus (the Thrive Plus 10 Bonus sibling provides one in exchange for lower caps), or need short-surrender liquidity.

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: 6.25% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $249,999.99

Par: 40% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $249,999.99

Cap: 9% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $249,999.99

Fixed: 3.25% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $249,999.99

Par: 100% + Fixed: 6.25% · 7-yr

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

Trigger Rate Plus · trigger

7-yr surrenderUp to $249,999.99

Par: 70% · 7-yr

Barclays Fortune 500 ER Dividends Index

participation

7-yr surrenderUp to $249,999.99

Cap: 11% · 7-yr

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

cap

7-yr surrenderUp to $249,999.99

Cap: 6.5% · 7-yr

S&P 500 Index

Locked Cap Rate · cap

7-yr surrenderUp to $249,999.99

Par: 100% + Fixed: 6.25% · 1-yr

S&P 500 Index

Up to $249,999.99

Par: 40% · 1-yr

S&P 500 Index

Up to $249,999.99

Cap: 9% · 1-yr

S&P 500 Index

Up to $249,999.99

Fixed: 3.25% · 1-yr

Fixed Account

Up to $249,999.99

Par: 100% + Fixed: 6.25% · 7-yr

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

Trigger Rate Plus

Up to $249,999.99

Par: 70% · 7-yr

Barclays Fortune 500 ER Dividends Index

Up to $249,999.99

Cap: 11% · 7-yr

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

Up to $249,999.99

Cap: 6.5% · 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

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%

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 7 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% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 40% 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
  • 7 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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