RENEWAL RATE INTEGRITY

For years, financial professionals evaluating Fixed Indexed Annuities ("FIAs") have had access to initial rates, product features, and illustrations but lacked objective historical data about one of the most important indicators of long-term value: carrier management of renewal rates after a policy is issued.

To bridge the gap and identify a solution, SILAC^® voluntarily provided The Index Standard^®, an independent index research firm, with complete historical renewal rates across every eligible FIA crediting strategy since entering the market.

The resulting dataset encompassed more than 4.5 million individual renewal rate observations across over 100,000 unique annuity policies.

Using its newly developed Renewal Rate Integrity methodology, The Index Standard independently analyzed SILAC’s historical renewal rate data and determined that SILAC’s renewal rates average within 96% of their original rate.

‍To download a one-page highlight of the Renewal Rate Integrity Report or the complete report, please click the appropriate button below:

View the Press Release announcing our collaboration HERE.
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SILAC RENEWAL RATE CONSISTENCY

June 2026

Transparency Supported by Results

The Index Standard is an independent research organization dedicated to bringing greater transparency to the annuity marketplace through objective analysis, quantitative research, and educational resources. Its Renewal Rate Integrity methodology evaluates historical FIA renewal experience using actual policyholder data to provide financial professionals with an independent assessment of a carrier’s historical renewal rate consistency.

Visit www.theindexstandard.com to learn more.

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*For Agent Use Only.
SOURCE: The Index Standard Renewal Rate Integrity Score, June 2026. The Index Standard Renewal Rate Integrity Score, developed independently by The Index Standard, reflects SILAC FIA historical renewal experience from inception through June 2026 and shall not be construed as a guarantee of SILAC’s renewal rate consistency or performance. The Score is the stated opinion of The Index Standard. SILAC is not affiliated with The Index Standard and makes no warranties, express or implied, as to the Score or the methodology to determine the Score. See The Index Standard materials for methodology, disclosures, and limitations.

SILAC^®is licensed as SILAC Life Insurance Company^TM in the state of California, license #6244-8.

SILAC Fixed Indexed Annuities are products of the insurance industry and not guaranteed by any bank, nor insured my FDIC or NCUA/NCUSIF. Not a deposit. Not insured by a federal government agency. Withdrawal charges, bonus recovery & market value adjustment may apply to withdrawals made during the withdrawal charge period. Restrictions apply. May only be offered by a licensed insurance agent. Stated interest credits are not to be construed as guarantees or estimates of amounts paid in the future. Renewal interest rates, caps, participation rates, spreads, and other index-crediting parameters are subject to change, subject to contractual guarantees. Past performance is not indicative of future results. Guarantees are based on the financial strength and claims-paying ability of SILAC Insurance Company. Policy forms #ICC19 MYGA, #MYGA19, #ICC19-ELCFIA, and #ELCFIA. Product availability may vary by state. In Idaho, policy form is ELCFIA-ID.

For full disclosures, visit www.SILACins.com/disclosures