The Standard Keystone Index 10 Fixed Indexed Annuity – Safe Accumulation with Market Potential
At Diversified Insurance Brokers, we specialize in annuity solutions that deliver strength, security, and growth tailored to your retirement plan. If you’re seeking a product that offers both reliable accumulation and market-based upside, the Keystone Index 10 Fixed Indexed Annuity from The Standard deserves a close look.
With strong contractual guarantees and flexible access to your funds, this product provides the balance many pre-retirees and retirees are looking for today—especially in uncertain markets.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
Flexible Strategies for Guaranteed and Indexed Growth
The Keystone Index 10 gives you multiple crediting strategies designed to match your comfort level and growth goals. You can choose between:
-
S&P 500-linked strategies with cap and participation rate options
-
A fixed interest strategy for guaranteed, steady accumulation
In addition, the annuity includes a minimum guaranteed interest rate of 3.00%, giving you a solid foundation for long-term growth—even if index performance varies year to year.
Strong Guarantees and Liquidity Access
One of the key benefits of this annuity is its Guaranteed Minimum Annuity Value (GMAV), which provides peace of mind that your contract will maintain value regardless of market conditions.
For added flexibility, the Keystone Index 10 includes:
-
Penalty-free withdrawals up to 10% annually, starting in year one
-
Waivers for terminal illness and nursing home confinement
-
A wide issue age range from 0–80, making it suitable for a range of financial planning stages
-
Flexible premium payment options
Whether you want to fund the annuity all at once or over time, this product provides the flexibility to build your plan your way.
Why Work With Diversified Insurance Brokers?
With decades of experience and access to over 75 top-rated carriers, Diversified Insurance Brokers is your trusted resource for personalized annuity planning. We take the time to understand your financial goals and match you with the right product—like the Keystone Index 10 from The Standard—that offers the right mix of growth, access, and long-term protection.
If you’re seeking a safe, reliable accumulation strategy with market-linked upside, this annuity could be the answer.
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:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: The Standard Keystone Index 10
What is The Standard Keystone Index 10?
The Standard Keystone Index 10 is a fixed indexed annuity designed for long-term retirement accumulation. It offers principal protection, index-linked growth potential, and a 10-year surrender charge period.
How does interest grow in the Keystone Index 10?
Interest is credited based on the performance of one or more external market indices, using caps, participation rates, or spreads. When the index performs well, you may receive credited interest; when it performs poorly, your account does not lose value due to market declines.
Does the Keystone Index 10 include a fixed interest option?
Yes. In addition to indexed crediting strategies, the contract includes a fixed interest option that earns a declared rate for a set period, providing a more predictable return within the annuity.
What liquidity options are available?
The Keystone Index 10 generally offers annual penalty-free withdrawals up to a specified percentage of the contract value, typically after the first contract year. Withdrawals above that amount during the surrender period may be subject to charges and potential market value adjustment.
Is my principal guaranteed?
Yes. As long as you follow the contract terms, your principal is protected from market losses. Negative index performance will not reduce your account value due to market declines, although fees and withdrawals can reduce values.
Are income or benefit riders available?
The Keystone Index 10 may offer optional riders, such as guaranteed lifetime income or enhanced benefits, for an additional charge. These riders are designed to provide predictable income or added protection, depending on your goals.
What is the surrender charge period?
The Standard Keystone Index 10 uses a 10-year surrender charge schedule. Surrender charges generally decline over time. Full or excess withdrawals during this period may incur charges and could reduce your benefits.
Who might consider the Keystone Index 10?
This annuity may appeal to conservative or moderate investors who want principal protection, the potential for higher returns than traditional fixed accounts, and are comfortable committing funds for up to 10 years in exchange for those benefits.
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.
