Multi-Choice Annuity
Standard
5.05%
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
5.05% guaranteed for 5 years
A multi-term multi-year guaranteed annuity from The Standard (A-rated) with three guarantee periods (3, 5, 7) published live inside one contract, a seven-year declining surrender ladder, MVA on early surrender, and a published annual free-withdrawal allowance.
Best fit
Buyers who want a fixed declared-rate MYGA from an A-rated carrier and value choosing among three guarantee terms (3, 5, 7) inside one filing, and especially those electing the 7-year term where the surrender ladder ends in the same year as the rate lock.
AM Best
A Excellent
Surrender period
7 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 under one productId — 3, 5, and 7-year guarantee periods are all available on the same contract, and the rate-by-term section on this page shows each term's guaranteed rate live from the feed, so a buyer can compare horizons without changing carriers.
- The seven-year surrender ladder matches the longest available guarantee period on this filing exactly, so a buyer who elects the 7-year guarantee period ends both the rate-lock and the surrender lockup in the same year — no surrender exposure after the rate ends for that term.
- Backed by The Standard (Standard Insurance Company), an A-rated carrier by A.M. Best at investment-grade A tier — suitable for a fixed-rate principal commitment of multi-year length.
- Annual free-withdrawal allowance, the full seven-year surrender ladder, MVA flag, and surrender waivers are visible directly on this page from the live feed rather than gated behind a sales brochure. Filed broadly — every US state plus DC except New York.
What to confirm
- 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.
- A buyer who elects the 3-year guarantee period remains inside the surrender ladder for four more 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 this seven-year chassis.
- 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 an upfront bonus. Not available in New York.
Not ideal for
Buyers who need a ten-year fixed-rate lock-in (this filing's longest term is 7), 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 | 4.65% |
| 5-Year | 5.05% |
| 7-Year | 4.8% |
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%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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