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Index Select Annuity 10

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The Index Select Annuity 10 (ISA) is a single-premium deferred indexed annuity with a 9-withdrawal charge period. You purchase the annuity with one premium payment, but premiums are accepted during the first 90 contract days to accommodate multiple roll-overs, transfers, and exchanges. The ISA is a fixed deferred annuity which means interest is earned during the accumulation phase and annuity payments are deferred until the annuity date or upon annuitization. The ISA is an indexed annuity that offers separate annuity account allocation options: (1) the Fixed Interest Account; and (2) the Index Interest Account. You may allocate a premium between the two accounts. The ISA’s principal and earnings are not subject to income taxes until funds are withdrawn or distributed. A 10% IRS early-withdrawal penalty may apply to withdrawals or distributions prior to age 59½.
Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WV, WI, and WY
Fixed Index
Purpose Accumulation
10 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, Inherited IRA, and TSP
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Find out if the Index Select Annuity 10 is the right product for you.

Premium Notes

The minimum issue age for all owners is 18; the minimum issue age for all annuitants is 0.

An additional premium may be paid for up to the first 90 days after the Contract Effective Date provided such premium is noted on the application.
All expected premium must be noted on application; premium will not be allocated to the index interest account and policy will not issue until all funds are received.

Initial Premium and Transfers 
Allocation to index interest account is made on the 15th of each month. Premium to be allocated will be held until all expected money are received and then allocated as a single deposit. Premium deposited prior to the allocation will earn interest daily. between the date of receipt and the allocation date.

The premium may be transferred between the Interest Index Account and the Fixed Interest Account, receiving the interest rate cap and the interest rate in effect at the time the transfer is acted upon. A transfer must be elected prior to the end of the index term and will be transacted on the first day of the new index term.

Plan Type
To start or continue a qualifed retirement account, we allow the transfer or rollover of funds from qualifed plans such as an IRA, Roth IRA or 401(k) into a qualifed Individual Retirement Annuity. For non-qualifed funds, we allow for 1035 exchanges, direct transfers or lump sum payments to open a nonqualifed annuity. 
  • Inherited IRAs for spouses only
  • TSA for existing TSA's
  • TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Free Withdrawals 
After the first contract year, you may annually withdraw up to 10% of the previous contract year's annuity value without a surrender charge. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
10.75% Cap
1-Year S&P 500 PTP Paticipation Rate
Point to Point
64% Participation
1-Year Fixed Account
5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
11% Cap
1-Year S&P 500 PTP Paticipation Rate
Point to Point
66% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%


No Riders for Index Select Annuity 10 annuity.



After the death of an annuitant, the owner may elect a withdrawal within 180 days of the death without a surrender charge.

Nursing Home

After the first year, you can withdraw funds without a surrender charge if you are a resident in a nursing home for 30 or mom consecutive days. The nursing home waiver does not include home health care.

Terminal Illness

After the first year, you can withdraw funds without a surrender charge if you are diagnosed with a terminal condition with a life expectancy of 12 months or less.


You may convert your deferred annuity to a payment stream With The Standard at any time without a surrender charge. You must choose either a lifetime payment option or a certain period of at least five years.

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