Focused Growth Annuity
Standard
5%
5-yr guarantee
10%
Free W/D
50
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
5% guaranteed for 5 years
A multi-term multi-year guaranteed annuity from The Standard (A-rated) — guaranteed rates published live at 3, 5, 7, and 10-year terms inside one contract, with a fixed ten-year declining surrender ladder, MVA on early surrender, and an annual free-withdrawal allowance.
Best fit
Buyers who want a fixed declared-rate MYGA from an A-rated carrier and value choosing among multiple guarantee terms (3, 5, 7, 10) inside one filing, are comfortable with a ten-year surrender lockup even when electing a shorter rate-lock term, and have confirmed the deposit size sits in the headline premium band.
AM Best
A Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Multi-term filing in a single contract — 3, 5, 7, and 10-year guarantee periods are all available on this productId, so a buyer can choose the term that matches their fixed-income window without switching to a different carrier or filing. The rate-by-term section on this page shows each term's guaranteed rate live from the feed.
- Backed by The Standard (Standard Insurance Company), an A-rated carrier by A.M. Best — a single-source rating but at investment-grade A tier, suitable for a fixed-rate principal commitment of multi-year length.
- Annual free-withdrawal allowance is published directly on this page from the live feed alongside the full ten-year surrender ladder and the MVA flag, so the schedule of penalty-free liquidity is not 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
- The surrender ladder is a fixed ten years regardless of the guarantee term elected — a buyer who picks the 3-year guaranteed rate is still inside the surrender period for seven additional years after the rate lock ends. Confirm what happens at the end of the guarantee period (renewal rate, surrender penalty, MVA) before electing a short-term rate inside a long-surrender chassis.
- A market value adjustment applies on early surrender on top of the surrender-charge schedule, so the cost of unplanned partial liquidity inside the surrender window is not just the published charge — interest-rate movement compounds it.
- Posted rates on this page reflect a specific premium-band and issue-age scenario from the live feed; deposits in lower or higher bands may earn a different guaranteed rate. Confirm the rate that applies to the actual deposit size before relying on the headline number.
- No premium bonus, no guaranteed-lifetime-withdrawal rider, and no enhanced death benefit roll-up on this filing — this contract is built for declared-rate certainty over a chosen guarantee window, not for income, legacy enhancement, or upfront bonus. Not available in New York.
Not ideal for
Buyers who want a surrender ladder that ends with the chosen rate lock, need access to a guaranteed-lifetime-withdrawal rider for income, want a premium bonus or enhanced death benefit, or need short-window liquidity without an MVA penalty — none of those describe what this contract is built to deliver.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.6% |
| 5-Year | 5% |
| 7-Year | 4.85% |
| 10-Year | 4.55% |
Key Features
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability 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
Carrier Ratings
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