Standard Insurance Focused Growth Annuity – Fixed Interest with Flexible Terms and Early Interest Access
Designed for Safe, Long-Term Growth
At Diversified Insurance Brokers, we help clients protect their savings while earning consistent returns without market volatility. The Standard Insurance Focused Growth Annuity, issued by The Standard Insurance Company, is a straightforward multi-year guaranteed annuity (MYGA) that offers dependable interest, accessible liquidity, and multiple term options to suit your retirement timeline.
With competitive rates and a strong financial foundation behind it, this annuity helps savers preserve capital while growing it with certainty.
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Guaranteed Growth, Tailored to Your Timeline
The Focused Growth Annuity allows you to lock in a guaranteed interest rate for 3, 5, 7, or 10 years. Whether you’re planning for short-term needs or want to lock in longer-term growth, the contract gives you flexibility to match your retirement horizon.
The minimum premium is $15,000, and deposits of $100,000 or more qualify for higher rates—making this a strong option for rollovers, reallocating non-qualified savings, or diversifying a retirement portfolio.
If you’re comparing options across different carriers, complete our annuity quote request form to receive a personalized breakdown of current rates based on your investment level and goals.
Liquidity and Emergency Access Options
After just 30 days, the Focused Growth Annuity allows penalty-free withdrawals of earned interest, giving you access to income without interrupting your contract’s growth or triggering surrender fees.
Additionally, the contract includes withdrawal charge waivers for:
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Terminal illness
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Nursing home residency
These provisions provide peace of mind in case of health-related challenges. For larger withdrawals, a Market Value Adjustment (MVA) and surrender charges may apply, depending on timing and interest rate shifts.
Tax Deferral and Legacy Planning Benefits
As with other fixed annuities, the interest earned in the Focused Growth contract is tax-deferred until you withdraw it—allowing your funds to grow more efficiently over time.
If the owner passes away during the term, the full accumulation value is paid to beneficiaries without surrender charges, making this a simple and effective legacy planning tool.
Who This Annuity May Be a Good Fit For
The Standard Insurance Focused Growth Annuity may be ideal for:
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Individuals seeking guaranteed, fixed interest rates without market exposure
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Clients who want access to interest after 30 days for income or reinvestment
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Retirees or pre-retirees looking to safely grow non-qualified or qualified savings
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Savers who value flexible term options and want to align their strategy with future milestones
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People who want a simple, low-maintenance product for wealth preservation and growth
With strong financial backing and a clear structure, this MYGA is a smart choice for those focused on preserving value and maintaining control.
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.
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