Keystone Index Annuity
Reliance Standard
10%
Best Cap
10%
Free W/D
51
States
A deferred annuity that combines market-linked growth potential through S&P 500 index strategies with a guaranteed minimum return, designed for conservative investors seeking both security and growth.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$10,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 10% | 100% | -- |
| S&P 500 Index | Monthly | 10.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.35% |
Key Features
Minimum Guaranteed Value
3.0% annual compound guaranteeYour principal is guaranteed to grow at least 3% annually, or at minimum 87.5% of premium growing at 2.65% annually
Index Interest Strategies
0% floor on negative yearsThree ways to link returns to S&P 500 performance: annual point-to-point with a cap, annual point-to-point with a participation rate, or annual monthly average with a cap
Fixed Interest Strategy
Guaranteed minimum rateAlternative option to earn a declared fixed rate each contract year
Penalty-Free Withdrawals
10% annual accessWithdraw up to 10% of your annuity value each year without surrender charges
Reallocation
$5,000 minimum per strategyAnnually reallocate your balance between available strategies with at least two weeks' notice
Nursing Care Benefit
25% penalty-free accessAccess up to 25% of annuity value penalty-free if confined to a nursing facility for 90 days
Terminal Illness Benefit
100% penalty-free accessWithdraw your entire balance penalty-free if diagnosed with a terminal illness
Highlights
Choose between index-linked strategies tied to S&P 500 performance or a fixed interest option
Guaranteed minimum value ensures you won't lose your principal, even if markets decline
Rebalance your allocation annually with flexibility to adjust your strategy
Access up to 10% of your value penalty-free each year plus additional benefits for nursing care or terminal illness
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Safety-conscious investors age 0-85 seeking downside protection with moderate growth potential through S&P 500 exposure.
Consider Alternatives If
Investors who need immediate access to funds without penalties or those seeking aggressive market returns without caps and floors.
Carrier Ratings
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