Apollo MVA
Reliance Standard
10%
Free W/D
41
States
A fixed deferred annuity that provides guaranteed income growth with flexible access to your money. Designed for safety-conscious investors who want predictable returns and the security of knowing their principal won't drop below what they paid in.
Free Withdrawal
10%/yr
Available In
41 states
Min Premium
$5,000
Surrender
7 years
Key Features
Guaranteed Interest Rate
Varies by market conditions; minimum guaranteed rate appliesYour annuity earns a guaranteed rate in year one (including a bonus) and annual rates thereafter that never drop below the minimum guaranteed rate
Penalty-Free Withdrawals
10% annually, max 30% cumulativeYou can withdraw up to 10% of your annuity value each year without surrender charges, with unused amounts accumulating up to 30%
Annuitization Bonus
4% of annuity valueReceive an extra 4% bonus on your annuity value when you begin receiving income after year 5 with a payout period of 10+ years
Market Value Adjustment
Positive adjustment if rates drop >0.5%If interest rates drop more than 0.5% since your contract started, early withdrawals receive a positive adjustment to your annuity value
Nursing Home Waiver
25% annual withdrawal while confinedIf confined to a nursing home for 90+ days after your first contract year, withdraw up to 25% annually penalty-free
Surrender Charge Schedule
9% to 0% depending on yearEarly withdrawal charges start at 9% in year 1 and decrease over 8 years, reaching 0% in year 8
Highlights
Guaranteed interest rates with a first-year bonus, never dropping below a minimum guaranteed rate
Flexible penalty-free withdrawals up to 10% annually, with unused amounts carrying over up to 30%
4% annuitization bonus when you start payouts after year 5 with a 10+ year payout period
Market value adjustment protects you if interest rates drop more than 0.5% from your contract rate
Penalty-free nursing home withdrawal of up to 25% annually if confined for 90+ consecutive days
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
2%
After
0%
Nursing home waiver
Best For
Safety-conscious investors age 0-85 seeking guaranteed income growth with flexible access to their funds and the security of a protected principal.
Consider Alternatives If
Investors seeking high growth potential or those who need immediate, unlimited access to their money without surrender charges.
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