Standard Insurance Enhanced Choice Index Plus Annuity – Guaranteed Accumulation with Multi-Year Rate Protection
Flexible Index Strategies with Guaranteed Growth Protection
At Diversified Insurance Brokers, we help clients build retirement strategies that deliver both protection and potential. The Standard Insurance Enhanced Choice Index Plus Annuity offers the best of both: market-linked accumulationcombined with a powerful guaranteed minimum benefit and flexible liquidity features.
It’s a strategic option for those looking to grow assets without the risk of losing principal—and with protection even if markets underperform.
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ndex Choices and Multi-Year Rate Certainty
The Enhanced Choice Index Plus gives policyholders access to a wide range of index crediting options, including:
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S&P 500® Index
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S&P MARC 5% Excess Return Index
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S&P 500 ESG Daily Risk Control 5% Index
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BofA Global MegaTrends Index
What sets this annuity apart is its Multi-Year Guaranteed Participation Rates, which allow you to lock in participation rates for up to seven years—offering predictable growth potential, even in volatile markets.
To explore which crediting strategy and term structure align best with your goals, submit our annuity quote request form and we’ll prepare a custom comparison.
Guaranteed Minimum Accumulation Benefit (GMAB)
This annuity includes a Guaranteed Minimum Accumulation Benefit (GMAB)—a unique feature that guarantees your contract will reach a predetermined value by the end of the surrender period, even if market performance falls short.
This creates a safety net that supports long-term planning and ensures you won’t be penalized by poor timing or a prolonged market downturn.
Liquidity, Access, and Protection When It’s Needed
In addition to long-term growth features, the Enhanced Choice Index Plus supports financial flexibility with:
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10% penalty-free withdrawals annually, beginning after year one
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Nursing home and terminal illness waivers
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Required minimum distribution (RMD) waiver
These provisions make it easier to adjust your strategy if your health or income needs change.
Seamless Wealth Transfer Options
When the annuity owner passes away, the contract pays the full accumulation value to beneficiaries—without surrender charges. This allows for a clean, efficient transfer of remaining funds, avoiding probate delays and added expense.
Who This Annuity May Be a Good Fit For
The Standard Insurance Enhanced Choice Index Plus Annuity is ideal for:
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Individuals who want market participation with guaranteed minimum accumulation
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Clients seeking multi-year rate protection for planning consistency
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Those nearing retirement who want to preserve and grow wealth without market risk
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Investors who want access to ESG, risk-controlled, or mega-trend index strategies
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People who value liquidity, health-based access waivers, and clean legacy transfers
This is a strong solution for both accumulation and protection, giving you flexibility while anchoring your retirement plan with guaranteed growth.
Contact Us Today:
Ready to explore this annuity in more detail — or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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