3-year surrender-charge periods: 9.4, 8.5, 7.5% • Issue to age 93¹ • Market value adjustment feature • Surrender-charge free withdrawal options

Insurance Products Offered through LPL Financial or its licensed affiliates. Fixed Annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company.

1. The purchase of the annuity for those age 91-93 must be for transfer-of-wealth or estate-planning purposes.

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. The Focused Growth Annuity is a product of Standard Insurance Company; Company; availability varies by state. Contract: ICC17-SPDA (01/17), SPDA (01/17). Riders: ICC17-R-TCB, ICC17-R-NHB, ICC17-R-ANN, ICC17-R-DB, ICC17-R-ANNDW, ICC17-R-EIO, ICC17-R-GOP, ICC17-E-SEPP, ICC17-R-IRA, ICC17-R-Roth IRA, ICC17-R-QPP, R-TCB, R-NHB, R-ANN, R-DB, R-ANNDW, R-EIO, R-GOP, E-SEPP, R-IRA, R-Roth IRA, R-QPP. Surrender charges may apply to withdrawals during the surrender period. A 10% IRS penalty may apply to withdrawals prior to age 59½. The annuity is not guaranteed by any bank or credit union and is not insured by the FDIC or any other governmental agency. The purchase of an annuity is not a provision or condition of any bank or credit union activity. Some annuities may go down in value. The guarantees of the annuity are based on the financial strength and claims-paying ability of Standard Insurance Company. An annuity should not be purchased as a short-term investment.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. TCU Investment Services and Teachers Credit Union (TCU) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using TCU Investment Services, and may also be employees of TCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, TCU or TCU Investment Services. Securities and insurance offered through LPL or its affiliates are:

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.