Reliance Accumulator 5
Reliance Standard
9.5%
Best Cap
10%
Free W/D
51
States
Reliance Accumulator 5 is a deferred equity index annuity that lets you capture market upside while protecting your principal from losses. It's designed for safety-conscious savers who want tax-deferred growth with multiple index strategies.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$20,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 9.5% | 100% | -- |
| S&P 500 Index | Monthly | 10% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 205% | -- |
| Fixed Account | Daily | -- | -- | 4.55% |
Key Features
Principal Protection
100% guaranteed100% of premium is protected from index losses, so your investment cannot decline due to market downturns
Index Strategy Options
Current rates from 4.5% to 205%Choose from 6+ strategies including S&P 500, Nasdaq-100, S&P MARC (multi-asset), and fixed-rate options
Tax-Deferred Growth
Tax-deferred indefinitelyInterest and gains accumulate without annual income tax, allowing compounding to work longer
Penalty-Free Withdrawals
10% annuallyAccess up to 10% of your funds without surrender charges starting 30 days after issue
Enhanced Death Benefit
$100k grows to $124k by year 4Optional feature adds 0.40% annual fee and guarantees 8% simple interest growth on legacy for up to 13 years
Surrender Charges
Year 1-5: 8%-5%, Year 6+: 0%Early withdrawal charges decline yearly from 8% in year 1 to 0% in year 6 and beyond
Special Benefit Access
Available per eligibilityNursing Care Benefit (25% penalty-free annual withdrawals) and Terminal Illness Benefit (full access after year 1)
Highlights
100% principal protection from index losses—your money never goes down with the market
Multiple index strategy options let you diversify growth potential across equity, fixed income, and commodities
Tax-deferred accumulation means your earnings compound without annual tax drag
Optional Enhanced Death Benefit provides 8% guaranteed annual growth for your beneficiaries for up to 13 years
Penalty-free access to 10% of your funds plus nursing care and terminal illness benefits
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Safety-conscious individuals age 0–85 seeking tax-deferred retirement growth with downside protection and minimum $20,000 premium.
Consider Alternatives If
Investors seeking immediate liquidity or those who need frequent, large withdrawals without surrender charges should consider other options.
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