Annuity Rate Change
on March 31, 2025

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Rates decreasing on March 31, 2025:

Multi-Year Guarantee Annuities – Fixed Rate

Focused Growth Annuity crediting rates (All series)
- -0.15% on FGA 3
- -0.15% on FGA 5
- -0.15% on FGA 7
- -0.15% on FGA 10
Multi Choice Annuity crediting rates (All series)
- -0.15% on MCA 3 - All withdrawal options
- -0.15% on MCA 5 - All withdrawal options
- -0.15% on MCA 7 - All withdrawal options
Total Choice Annuity crediting rates*
- -0.15% on TCA 3 and TCA 3 with Principal Guarantee
- -0.15% on TCA 5 and TCA 5 with Principal Guarantee
- -0.15% on TCA 7 and TCA 7 with Principal Guarantee
Future Value Annuity crediting rates*
- -0.15% on FVA 3 - All withdrawal options
- -0.15% on FVA 5 - All withdrawal options
- -0.15% on FVA 7 - All withdrawal options

Fixed Index Annuities – One Year Point-to-Point

Enhanced Choice Index Select*
- -1.00% on S&P 500^® Cap Rate and Enhanced Cap Rate

All other rates remain unchanged.

For products with rates decreasing — To hold current rates, sign and date the application and all required supplemental forms by March 30, 2024. We must receive all documents in our home office by April 8, 2024.

Distributor Rate Sheets:

Start at standard.com/annuities.
Select your distributor in the drop-down menu or select “not affiliated with a distributor or distributor not listed.”
On the right-side Resources box, select Rate Preview.

Our 45-day Rate Lock Policy
We'll lock a fixed interest crediting rate, cap rate or participation rate for 45 calendar days from the date we receive the original application, according to the timeline below. We don’t provide a rate lock for minimum guaranteed rates.

If we receive the expected premium within the 45-day period, your client receives the locked-in rate or the rate on the date we receive the premium ─ whichever is higher.

If rates are increasing: Premium must arrive on or after the date of the rate increase.
If rates are decreasing: Sign and date the application and all required supplemental forms before the date of the rate decrease. We must receive all documents in our home office within seven business days of the rate change, including the date of the rate change.

*Available through select distribution only.

Contact our annuity sales team for questions or more information.

Annuity Sales Support
800.378.4578
annsales@standard.com

Standard Insurance Company | standard.com/annuities

For producers only. Not for use with consumers.

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.

The S&P 500® Index, S&P MARC 5% Excess Return Index, S&P 500 Daily Risk Control 5% Excess Return Index and the S&P 500 ESG Daily Risk Control 5% Excess Return Index are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Standard Insurance Company. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Standard Insurance Company. Standard Insurance Company products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index, S&P MARC 5% Excess Return Index, S&P 500 Daily Risk Control 5% Excess Return Index and the S&P 500 ESG Daily Risk Control 5% Excess Return Index.

BofA Securities, Inc. and its Affiliates (“BofAS”), BofA Global MegaTrends Index (the “Index”) and related information, the name “BofAS”, and related trademarks, are intellectual property of BofAS, licensed from BofAS to Standard Insurance Company (“Licensee”). In connection with the Index, BofAS has licensed the use of certain marks and data from Salt Financial LLC (collectively with BofAS, the “Licensors”). Neither the Licensee nor any fixed index annuity product (“Product”) referencing the Index is sponsored, operated, endorsed, sold or promoted by the Licensors. Obligations to make payments under any Product are solely the obligation of Licensee pursuant to the term of the contract between Licensee and you, and are not the responsibility of the Licensors. The Licensors, the Index and related information, the names of the Licensors, and related trademarks may not be copied, used, or distributed without the relevant Licensors’ prior written approval. The Products have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by the Licensors. The Licensors’ only relationship to Licensee is the licensing (or sub-licensing) of certain trademarks and trade names and the Index or components thereof and the Licensors are not party to any transaction contemplated herein. THE LICENSORS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE INDEX, ANY RELATED INFORMATION, THE TRADEMARKS, OR THE PRODUCT(S) (INCLUDING WITHOUT LIMITATION, THEIR QUALITY, ACCURACY, SUITABILITY AND/OR COMPLETENESS).

MSCI indexes are the exclusive property of MSCI Inc. (“MSCI”). MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by BofA Securities, Inc. The fixed index annuity product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to such fixed index annuity product. The annuity contract contains a more detailed description of the limited relationship MSCI has with BofA Securities, Inc. and any related fixed index annuity product. No purchaser, seller or holder of this fixed index annuity product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this fixed index annuity product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI. Additional information about MSCI Inc. with respect to, among other matters, licensing, trademarks and limitation of liability can be found at MSCIDisclaimer.pdf (ml.com).

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Annuity Rate Change on March 31, 2025

Annuity Rate Change
on March 31, 2025