Standard ECI 5+
Cap · S&P 500 Cap Lock · 5 yr term
Standard ECI 5+ posts a 5 yr FIA Cap of 7.00% on S&P 500 Cap Lock, effective 10/01/2026.
The most this strategy can credit in a crediting period, however far the index rises.
Contract facts
1 of 12 contract terms on file- Rate type
- Cap
- Product type
- FIA
- Term
- 5 yr
- Index or strategy
- S&P 500 Cap Lock
- Availability
- Most states
- Premium band
- Any premium
- Interest basis
- Compound
- Surrender period
- 5 yr
Not on file: Issue ages, Minimum premium, Maximum premium, Free withdrawal, Years rate guaranteed, Premium bonus, Minimum renewal rate, GTD yield to surrender, M.V.A., Return of premium, Additional premiums. Confirm these with the carrier before you quote or illustrate.
- 0-80: 5.00
- 81-85: 2.50
- 86-90: 1.25
- 91-93: 1.00
Standard
44 ratesContracts issued by Standard Insurance Company
- AM Best
- A
Financial strength as entered by Alpha Solutions. Ratings change; confirm with the carrier or the agency before quoting.
Portland, Oregon, trading as The Standard. A subsidiary of Meiji Yasuda Life Insurance Company.
Analysis for agents
Ranking, the history graph, compare and PDF downloads come with a free agent account. The rate, the contract facts and the carrier details above are public.
Where this rate ranks
Measured against every 5 yr FIA Cap on the Alpha shelf: 22 rates from 5 carriers. A free agent account shows this rate's place in that set, how far it sits off the best one on file, and the rates either side of it.
Rate history
4 observations on fileCreate a free agent account to unlock the full rate-history graph, alerts, and PDF downloads.
- 52-wk high
- 7.00%
- 52-wk low
- 7.00%
- 52-wk avg
- 7.00%
- Changes YTD
- 0
- Tracked since
- 08/11/2026
Rate history table (4 observations)
| Effective date | Rate | Change |
|---|---|---|
| 10/01/2026 | 7.00% | 0.00 |
| 09/22/2026 | 7.00% | 0.00 |
| 09/01/2026 | 7.00% | 0.00 |
| 08/11/2026 | 7.00% | -- |
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Every rate on Standard ECI 5+ at 5 yr
One contract, 9 rates. Each type is its own unit, so read a cap against caps and a par rate against par rates.
- Guaranteed APY3.75%Fixed Account
- Cap9.00%S&P 500 Cap
- Cap7.00%S&P 500 Cap Lock · viewing
- Par Rate165.00%S&P MARC 5% ER Par Rate
- Par Rate110.00%BofA Glob Mega Trends Par Rate
- Par Rate60.00%S&P Dynamic Intraday TCA Par Rate
- Par Rate45.00%S&P 500 Participation Rate
- Trigger9.00%S&P 500 Dynamic Intraday TCA Trigger
- Trigger7.00%S&P 500 Trigger Rate
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Rates shown are for informational use and are subject to change. Confirm current rates, availability, and product details directly with the carrier before quoting or illustrating for a client.