Clear Floors.
Clear Outcomes.
FOR ADVISOR / NMO USE ONLY. This calculator is intended for advisor education, NMO education, planning discussions, and scenario analysis. It is not approved for client use, client distribution, or client presentations.

Clear Floors. Clear Outcomes.

FOR ADVISOR / NMO USE ONLY. Not approved for client use, client distribution, or client presentations.
Advisor / Producer:
NMO / Wholesaler:
Date:
Step 1

Select a Minimum Growth Outcome

The floor is the minimum outcome, not the ceiling.

Step 2

Compare Two Outcomes

Your Chosen Minimum Outcome
Minimum Growth Outcome
The outcome selected in advance regardless of index performance.
VS
If Index Is Flat Or Positive
Flat/Positive Index Outcome
The outcome if the index is flat or positive.
Crediting rates
Allocation

For advisor, producer, and NMO use only. Not approved for client use, client distribution, or client presentations. Illustrative scenario only. Actual recommendations, allocations, rates, and product suitability must be evaluated independently.

Crediting Strategy Inputs

Crediting strategy inputs are based on current rates and are subject to change. All index strategy rates are guaranteed for the term. Verify current product rates at www.standard.com/annuities before using this tool.

Build Scenario Details

Advisor Detail: Allocation Needed

Allocation detail supports the recommendation. The conversation should focus on the selected floor, the growth outcome if the index declines, and the outcome if the index is flat or positive. Fixed index annuity crediting strategy rates are guaranteed for the term.

Fixed Account
Trigger Rate
Trigger Rate Plus
Allocation Summary
Common Floor Scenarios

Common Floor Scenarios

Illustrative advisor scenarios only. Actual allocations, rates, recommendations, and suitability determinations must be evaluated separately. Allocation percentages use whole-number percentages only. Results update automatically when the crediting strategy inputs change.

Floor Fixed Account Trigger Rate Trigger Rate Plus Index Declines Flat / Positive Index
Advisor Conversation Starters

Advisor / NMO use only. These discussion prompts are intended for advisor education and planning conversations only. This calculator is not approved for client-facing presentations.

  • Is 0% good enough?
  • What minimum growth outcome would help this strategy stay on track?
  • What happens if the index declines?
  • What happens if the index is flat or positive?
Advisor Notes
For advisor, producer, and NMO use only. Not approved for client use, client distribution, or client presentations. This calculator is an internal scenario-planning tool intended to illustrate floor and opportunity concepts. Actual recommendations, allocations, rates, product suitability, and insurance decisions must be evaluated independently. Crediting strategy rates are guaranteed for the term once elected and issued.