Reliance Standard

Guaranteed Interest RateVaries by market conditions; minimum guaranteed rate applies

Guaranteed growth with penalty-free access and annuity bonus

Penalty-Free Withdrawals10% annually, max 30% cumulative

Annuitization Bonus4% of annuity value

Market Value AdjustmentPositive adjustment if rates drop >0.5%

Best for: Safety-conscious investors age 0-85 seeking guaranteed income growth with flexib...

Apollo SP

First-Year Guaranteed Rate6.40%

Fixed Annuity with 6.40% Year 1 Rate & Penalty-Free Access

Base Interest Rate (Years 2+)4.40% (minimum 3.00%)

Penalty-Free Withdrawal10% annually, max 30% cumulative

Annuitization Bonus4% bonus

Best for: Conservative investors age 0-85 seeking guaranteed, tax-deferred growth with som...

Eleos MVA

Guaranteed Interest Rate5-year guarantee

Fixed annuity with guaranteed rates & penalty-free access

Penalty-Free Withdrawals10% annually

Market Value Adjustment0.5% threshold (0.25% in Florida)

Surrender Penalty ScheduleYears 1-5: 8%-4%; Year 6+: 0%

Best for: Conservative investors age 0-85 who want guaranteed returns, need access to some...

Eleos SP

Guaranteed Interest RatesVaries by current environment; ask your agent

Fixed annuity with guaranteed rates & penalty-free access

Penalty-Free WithdrawalUp to 10% per contract year

Surrender Charges8%, 7%, 6%, 5%, 4%, 0%

Nursing Home WaiverUp to 25% per year while confined

Best for: Safety-conscious individuals and retirees who prioritize principal protection, p...

Enhanced Choice Index Plus 5

Index Participation Rate150% or higher with enhanced option

Market-linked growth with downside protection

Index Cap Rate9-12% depending on option selected

Guaranteed Minimum Accumulation Benefit (GMAB)100% of premium guaranteed

Multiple Index Choices5 different index options

Best for: Individuals who want to grow retirement savings with tax-deferred compounding, d...

Index Select Annuity 5

Index crediting optionsAnnual point-to-point with rate cap, annual point-to-point with participation rate, or fixed interest

S&P 500 upside with downside protection

Downside protectionGuaranteed minimum accumulation benefit (GMAB)

Surrender periods5, 7, or 10-year options

Penalty-free withdrawalsSurrender-charge free withdrawal options available

Best for: Retirees or near-retirees who want market upside potential with guaranteed downs...

Keystone Index Annuity

Minimum Guaranteed Value3.0% annual compound guarantee

Market-linked growth with principal protection

Index Interest Strategies0% floor on negative years

Fixed Interest StrategyGuaranteed minimum rate

Penalty-Free Withdrawals10% annual access

Best for: Safety-conscious investors age 0-85 seeking downside protection with moderate gr...

Multi-Choice Annuity

Rate Guarantee Periods3, 5, or 7 years

Customizable Fixed Annuity with Flexible Withdrawal Options

Customizable Withdrawal Options4 options to choose from

Surrender-Charge Free AccessMultiple qualifying events

Guarantee of Principal (Optional)Optional rider available

Best for: Conservative investors who want guaranteed interest income with flexibility to c...

Reliance Accumulator 10

Principal Protection100% guarantee

Protected Growth with Index Upside Potential

Index Strategies6 strategies available

Participation Rates54% to 215%

Penalty-Free Withdrawals10% annual access

Best for: Investors age 0–80 seeking tax-deferred growth with principal protection who can...

Reliance Accumulator 5

Principal Protection100% guaranteed

Grow Your Wealth Protected From Market Losses

Index Strategy OptionsCurrent rates from 4.5% to 205%

Tax-Deferred GrowthTax-deferred indefinitely

Penalty-Free Withdrawals10% annually

Best for: Safety-conscious individuals age 0–85 seeking tax-deferred retirement growth wit...

Reliance Accumulator 7

Principal Protection100% of premium

Equity Index Annuity with Principal Protection & Tax-Deferred Growth

Multiple Index Strategies6+ available strategies

Tax-Deferred GrowthTax-advantaged growth

Penalty-Free Withdrawals10% annual access

Best for: Growth-focused individuals nearing or in retirement who want market-linked retur...

Guaranteed Interest Rate5.35% (5-year), 5.35% (7-year), 5.05% (10-year) as of 10/1/2023

Reliance Guarantee

Multi-Year Guaranteed

Guaranteed Fixed Annuity with Tax-Deferred Growth

Penalty-Free WithdrawalsUp to 10% annually, minimum $100–$500 per transaction

Nursing Home Care WaiverUp to 25% annually while confined

Surrender Charges5-year: 9%→0%; 7-year: 9%→0%; 10-year: 9%→0% over respective terms

Best for: Safety-conscious investors nearing or in retirement who want guaranteed, predict...