The Standard Index Select Annuity – Locked‑In Growth with Flexible Terms
At Diversified Insurance Brokers, our focus is on products that deliver growth within a protective framework—and the Standard Index Select Annuity, from The Standard Insurance Company, does just that. It offers clients three term options (5, 7, or 10 years) with multiple index crediting strategies tied to indexes like the S&P 500®, allowing both flexibility and security.
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With The Standard’s strong financial standing and support from Diversified Insurance Brokers (with access to over 75 leading carriers), this annuity is ideal for those seeking clarity and stability—paired with growth potential.
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Diversified Insurance Brokers partners with over 75 top-rated carriers, including The Standard. We’ll help you compare term lengths, crediting strategies, and how this product aligns with your long-term goals.
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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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FAQs: The Standard Index Select Annuity
What is The Standard Index Select Annuity?
The Index Select Annuity from Standard Insurance Company is a fixed-indexed annuity that offers a choice of 5-, 7-, or 10-year surrender-charge term durations with a mix of index-linked and fixed interest crediting options. It is designed for conservative investors seeking growth potential while protecting principal. [oai_citation:0‡Standard](https://www.standard.com/brokers-advisors/annuities/traditionalisa?utm_source=chatgpt.com)
How does interest crediting work with Index Select?
You may allocate your premium between a fixed-interest account or one or more index-linked accounts (often tied to the S&P 500). When the selected index performs positively, you receive credited interest based on formula terms (caps, participation rates, or spreads). If the index performs poorly, your account value does not lose value due to market decline — you simply receive no indexed credit for that period. [oai_citation:1‡Immediate Annuities](https://www.immediateannuities.com/annuity-brochures/standard-index-select.pdf?utm_source=chatgpt.com)
Is there a fixed interest option instead of the index?
Yes. Index Select provides a fixed-interest account option so you can choose a more stable, predictable return instead of risking index volatility. [oai_citation:2‡Annuity Resources](https://www.annuityresources.com/review/the-standard-index-select-annuity-7/?utm_source=chatgpt.com)
What are the surrender-charge terms?
Your contract term can be 5, 7, or 10 years depending on which version you select. Withdrawals or surrender during that period — beyond any allowed penalty-free amounts — may trigger surrender charges or market value adjustments. After the surrender period ends, you may have full access without penalty. [oai_citation:3‡Standard](https://www.standard.com/brokers-advisors/annuities/traditionalisa?utm_source=chatgpt.com)
Are there penalty-free withdrawals or liquidity options?
Many versions of Index Select allow limited penalty-free withdrawals (often a set percentage annually) once the first contract year is complete. This gives some liquidity while still preserving the long-term structure of the annuity. [oai_citation:4‡Annuity Resources](https://www.annuityresources.com/review/the-standard-index-select-annuity-7/?utm_source=chatgpt.com)
Is my principal protected from market downturns?
Yes. Because this is a fixed indexed annuity, your premium and any previously credited interest are protected from losses, even if the linked index declines. Your balance won’t drop due to market performance, although credited interest may be zero for that period. [oai_citation:5‡United States of America](https://www.ubs.com/fixed-indexed-annuities?utm_source=chatgpt.com)
Can I add a lifetime income or other benefit rider?
Depending on state availability and contract version, optional riders — such as lifetime income, enhanced death benefit, or other features — may be available for an additional cost. These riders convert accumulation value into income or provide added protections. [oai_citation:6‡RetireGuide](https://www.retireguide.com/annuities/companies/the-standard/?utm_source=chatgpt.com)
Who is the Standard Index Select Annuity best suited for?
This annuity is a good fit for individuals who want to grow retirement savings with some upside tied to market performance while retaining principal protection and predictable downside safety. It’s particularly appealing for those planning a multi-year horizon and seeking flexibility between fixed and indexed interest options. [oai_citation:7‡Annuity Resources](https://www.annuityresources.com/review/the-standard-index-select-annuity-7/?utm_source=chatgpt.com)
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.
