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Effective November 4, 2009

Index-Rate Annuities : Single Premium : Index Rate Caps

  $15,000 $100,000 Surrender Charges Notes
Index Growth Annuity 5
Bailout Years 2-5
4.25%
2.25%
5.00%
3.00%
8,7,6,4,2%  
    w/Principal Guarantee
    Bailout Years 2-5
3.85%
1.85%
4.60%
2.60%
   
Index Growth Annuity 7
Bailout Years 2-7
4.50%
2.50%
5.25%
3.25%
9,8,7,6,5,4,2%  
    w/Principal Guarantee
    Bailout Years 2-7
4.10%
2.10%
4.85%
2.85%
   
Fixed Interest Account Crediting Rate 3.00%  

Fixed-Rate Annuities : Single Premium : Crediting Rates

  $15,000 $100,000 Surrender Charges Notes
Secured Rate Annuity 1
Bailout Years 2-5
Bailout Year 6
3.35%
2.35%
1.35%
3.45%
2.45%
1.45%
7,7,7,6,5,3% 1.00% First-Year Bonus
Secured Rate Annuity 3 1.30% 1.40% 9,8,7%  
Secured Rate Annuity 5 2.40% 2.50% 9,8,7,6,5%  
Secured Rate Annuity 6 2.40% 2.50% 9,8,7,6,5,4%  
  $15,000 $100,000 Surrender Charges Notes
First Rate Annuity 7 4.30% 4.40% 9,8,7,6,5,4,2% 2.00% First-Year Bonus
  $15,000 $100,000 Surrender Charges Notes
Focused Growth Annuity 5 2.95% 3.05% 8,7,6,5,4% MVA During Surrender
Focused Growth Annuity 6 3.40% 3.50% 8,7,6,5,4,3% MVA During Surrender

Fixed-Rate Annuities : Flexible Premium : Crediting Rates

  $5,000 $100,000 Surrender Charges Notes
Principal Growth Annuity 5
Bailout Years 2-5
2.95%
1.95%
3.05%
2.05%
8,7,6,4,2% 1.00% First-Year Bonus on Each Deposit
Principal Growth Annuity 7
Bailout Years 2-7
3.35%
2.35%
3.45%
2.45%
9,8,7,6,5,4,2% 1.00% First-Year Bonus on Each Deposit
Principal Growth Annuity 9
Bailout Years 2-9
4.10%
3.10%
4.20%
3.20%
9,8,7,6,5,4,3,2,1% 1.00% First-Year Bonus on Each Deposit
  $600/Annual   Surrender Charges Notes
Flexible Premium Deferred Annuity 2.35%   9,8,7,6,5,4,3,2,1%  

 

Minimum Contract Guarantee Rate 1.00%

Fixed-Interest Minimum Guaranteed Rate 1.15%

Current TSA Loan Rate 5.83%

Rate Change

Update 237 for November 4, 2009 rates and approvals. Use Code 110409 for Illustrations.

Rates effective November 4, 2009 and subject to change without notice. The 45-day rate lock applies only to initial crediting and cap rates.

 

Not For Use With Consumers. Product of Standard Insurance Company. Product availability varies by state.

Policies # SRA, SRA-B, SPDA, SPDA-IA, FPDA and SPIA. The FGA includes an MVA. The Life Income Commutation feature is not available in OR, PA, TX or WA.
Rates are subject to change without notice.