Standard Insurance Multi-Choice Annuity – Fixed Growth with Built-In Flexibility and Income Options
A Balanced Annuity for Safety and Optional Income
At Diversified Insurance Brokers, we help clients secure products that offer not just protection, but also flexibility. The Standard Insurance Multi-Choice Annuity, issued by The Standard Insurance Company, delivers that balance—providing a stable, fixed-rate solution with several ways to access funds or convert the contract into income later on.
This multi-year guaranteed annuity (MYGA) is backed by the financial strength and long-standing reputation of Standard Insurance Company. It’s a strong candidate for clients seeking safety today and flexibility tomorrow.
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Fixed Terms with Guaranteed Interest
The Multi-Choice Annuity allows you to choose a guaranteed interest rate for 3, 5, or 7 years, depending on your retirement timeline. Interest is locked in for the full term, offering consistent, tax-deferred growth regardless of what the markets are doing.
Premiums start at $15,000, and deposits of $100,000 or more may qualify for even higher interest rates—ideal for rollover accounts, CDs nearing maturity, or idle non-qualified savings.
Want to compare this product’s rates with others? Fill out our annuity quote request form and we’ll provide personalized options tailored to your needs.
Flexible Access When You Need It
One of the core strengths of the Multi-Choice Annuity is its liquidity:
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After just 30 days, you can withdraw earned interest without penalty
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After the first year, up to 10% of the contract value can be withdrawn annually without charges
For added peace of mind, the contract includes waivers for terminal illness and nursing home residency, allowing greater access to funds in case of medical need.
Withdrawals beyond these provisions may be subject to a Market Value Adjustment (MVA) and standard surrender charges, which decline over time based on your chosen term.
Long-Term Planning and Legacy Benefits
If income is a future goal, this annuity gives you the ability to annuitize the contract—turning your value into guaranteed payments for life or a set period.
In the event of death, your beneficiaries receive the full accumulation value without surrender charges or probate delays, making this a simple and tax-efficient way to pass on remaining funds.
Who This Annuity May Be a Good Fit For
The Standard Insurance Multi-Choice Annuity is a smart solution for:
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Individuals who want fixed, predictable growth with guaranteed interest
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Clients seeking early access to earned interest without penalties
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Retirees or pre-retirees interested in a low-risk income option later on
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Savers rolling over qualified funds or reallocating non-qualified assets
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People who value health-related withdrawal flexibility and strong financial backing
Whether you’re aiming to protect capital, grow savings, or generate future income, the Multi-Choice Annuity provides a flexible framework for multiple retirement goals.
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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