A.M. Best A++ rated · 7 products
Reliance Standard Annuities — A++ Rated
Reliance Standard is an A.M. Best A++-rated annuity carrier. The current lineup includes 7 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A++
A.M. Best
Annuity products
7
7 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 4 FIA product pages, 3 MYGA product pages
- Product families
- Reliance Accumulator, Eleos, Eleos S&P, Keystone Index Annuity, Reliance Guarantee
- Product types
- FIA, MYGA
- State variants
- 2 product pages
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About Reliance Standard
Reliance Standard is a nationally recognized insurer offering a range of retirement and employee benefit solutions, with a strong emphasis on fixed and indexed annuity products. Designed to support long-term retirement planning, their annuities provide guaranteed income, principal protection, and tax-deferred growth. Backed by the financial strength of the Tokio Marine Group, Reliance Standard helps individuals and financial professionals secure stable, predictable income for retirement through flexible, client-focused annuity offerings.
Financial Strength In Plain English
Reliance Standard’s top-tier rating from A.M. Best is attributed to its very strong balance sheet, underpinned by disciplined capital management and consistent capital growth at roughly a 14% compound annual rate. Its operating results are robust—fueled by annuity and indexed-annuity sales as well as investment income—with a five‑year return on equity exceeding 19%. While its business profile is considered neutral due to economic sensitivity and competitive pressure, its enterprise risk management is considered very strong, benefitting from full integration with Tokio Marine Holdings. The rating outlook remains stable given these strengths, with downgrades possible only if its strategic importance to the Tokio Marine Group notably declines or profitability materially deteriorates
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Keystone Index Annuity
An accumulation-focused fixed indexed annuity from a top-rated carrier on a long-surrender chassis with an annual free-withdrawal allowance and S&P 500 cap, monthly-sum, and participation-rate strategies — no income rider.
Open product pageEleos MVA
A five-year multi-year guaranteed annuity from a top-rated carrier with a flat-fixed credited rate, an annual free-withdrawal allowance, and a market value adjustment — the MVA variant of the Eleos family.
Open product pageReliance Accumulator 10
An accumulation-focused long-surrender fixed indexed annuity from a top-rated carrier with a multi-strategy index menu — S&P 500 cap and participation rates plus higher-participation proprietary volatility-controlled indexes — and no income rider.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
Reliance Accumulator
3 product pages
Reliance Accumulator 10, Reliance Accumulator 5, Reliance Accumulator 7
Keystone Index Annuity
Keystone Index Annuity
Open the product page for live rates, state availability, and term-specific detail.
MYGA Products
Eleos
Eleos MVA
At least one page in this group links to a related state-specific product page.
Eleos S&P
Eleos S&P
At least one page in this group links to a related state-specific product page.
Reliance Guarantee
Reliance Guarantee
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A000FR
Keystone Index Annuity
- Coverage
- ARHQ product page
- Current rate
- Available
A000XL
Reliance Accumulator 10
- Coverage
- ARHQ product page
- Current rate
- Available
A000XH
Reliance Accumulator 5
- Coverage
- ARHQ product page
- Current rate
- Available
A000XJ
Reliance Accumulator 7
- Coverage
- ARHQ product page
- Current rate
- Available
A00066
Eleos MVA
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA00063
Eleos S&P
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA000JC
Reliance Guarantee
- Coverage
- ARHQ product page
- Current rate
- Available
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Reliance Standard includes Keystone and Reliance Accumulator FIA pages plus Eleos and Reliance Guarantee fixed-rate products.
Some Reliance Standard product pages carry related state-specific links, so open the product page for state and feature detail.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
When a related state-specific page exists, open the product page before relying on availability, surrender, or rate details.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Reliance Standard Product Families
Product-list pages carry the full tables, filters, and detail links.
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