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, issued by The Standard Insurance Company, offers the best of both: market-linked accumulation combined with a powerful guaranteed minimum accumulation benefit (GMAB) and flexible liquidity features. It’s a strategic option for those looking to grow assets without risking principal—and with a safety net even if markets underperform.
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Index Choices and Multi-Year Rate Certainty
The Enhanced Choice Index Plus gives you a diversified menu of crediting options, including:
- S&P 500® Index
- S&P MARC 5% Excess Return Index
- S&P 500 ESG Daily Risk Control 5% Index
- BofA Global MegaTrends Index
What sets this annuity apart is its Multi-Year Guaranteed Participation Rates, which let you lock participation on select strategies for up to seven years. For clients seeking consistency, that multi-year certainty can simplify planning and help avoid frequent reallocations when markets are volatile. If you prefer to ladder strategies by term or risk budget, we’ll model side-by-side scenarios and compare against today’s annuity rate environment.
Guaranteed Minimum Accumulation Benefit (GMAB)
The built-in GMAB sets a target value your contract will reach by the end of the surrender period—even if index credits are modest. Practically, that means you’re not solely dependent on market-linked performance to meet long-range goals. We’ll show how the GMAB interacts with your allocation choices, and how it compares with traditional fixed options on our Current Fixed Annuity Rates page.
Liquidity, Access, and Health-Based Waivers
- 10% penalty-free withdrawals annually after year one (subject to contract terms).
- Nursing home and terminal illness waivers for added flexibility during health events.
- RMD-friendly access so qualified owners can coordinate required distributions without disrupting the strategy.
We’ll also outline how surrender charges and any market value adjustment may apply if you access funds beyond penalty-free provisions—see our quick primers on annuity free-withdrawal rules and market value adjustments.
Who Is a Good Fit?
- Conservative savers who want principal protection with diversified index exposure.
- Pre-retirees who value multi-year participation certainty for planning predictability.
- Retirees coordinating an income plan who want to preserve and grow a portion of assets without equity drawdown risk—compare against options on our lifetime income overview.
- Investors who appreciate ESG, risk-controlled, or thematic indices as part of a diversified strategy.
Illustrative Planning Example
A 63-year-old couple allocates part of their IRA rollover to the Enhanced Choice Index Plus to balance growth and downside protection. They lock participation on a risk-controlled index for seven years, keep 10% liquidity for irregular expenses, and rely on the GMAB as a backstop to their target value. The rest of their portfolio funds near-term cash flow. The result: a steadier path to retirement with less sequence-of-returns risk, and clear rules for access if health needs arise.
How We Help You Compare
We’re independent and product-agnostic. We’ll benchmark this contract’s participation structures and GMAB against other fixed indexed annuities, including FIAs 101—myths debunked, and, when appropriate, short-term staging using short-term MYGAs. If your priority is income rather than accumulation, we’ll compare lifetime-income designs side by side so you can decide with confidence.
Talk to an Advisor or Request Your Annuity Quote
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.
Schedule here:
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FAQs: Standard Insurance Enhanced Choice Index Plus Annuity
What makes the Enhanced Choice Index Plus different from other FIAs?
Its Multi-Year Guaranteed Participation Rates on select strategies and built-in GMAB provide planning certainty: you can lock participation for multiple years and have a target minimum accumulation value at the end of the surrender period.
Can I lose principal?
The contract offers principal protection from market losses and a 0% floor on index credits. Surrender charges and market value adjustments may apply to excess withdrawals during the surrender period.
How does the GMAB work?
The GMAB is a contractual minimum the policy targets by the end of the surrender period. Even if index performance is subdued, the GMAB helps ensure a predetermined value for long-term planning.
What liquidity do I have?
After year one, you can typically take up to 10% penalty-free each year. Health-based waivers (nursing home, terminal illness) and RMD accommodations can provide additional flexibility per contract terms.
Is this designed for lifetime income?
This contract is primarily an accumulation and protection chassis. If guaranteed lifetime income is your priority, we’ll compare alternatives and show income quotes alongside the calculator on this page.
What happens to my money when I pass away?
Beneficiaries receive the full accumulation value (no surrender charges) according to the policy’s beneficiary designation, streamlining legacy transfer.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
