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Fixed Indexed Annuity

Reliance Accumulator 5

Reliance Standard

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9.75%

Best S&P 500 Annual Cap

10%

Free W/D

51

Jurisdictions

Product data status: July 3, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Reliance Accumulator 5 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 3, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,891
Est. value at age 80 (Reliance Accumulator 5)
9.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.25% Monthly cap (Monthly Avg Cap)
✦
How crediting works: the monthly cap limits each positive monthly index return before monthly returns are summed; a down year credits 0%, never a loss. A monthly cap strategy uses month-by-month index changes rather than a single annual point-to-point return. What is a cap vs participation? →
Assumptions: illustrative — applies Reliance Accumulator 5's published monthly cap (10.25% on S&P 500 Index) to a standard benchmark hypothetical monthly index path. Positive monthly returns are capped month by month, negative monthly returns are included in the annual sum, and the final annual credit is floored at 0% over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 3, 2026.

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See how Reliance Accumulator 5 compares for your age, state, premium, and income goals alongside other Reliance Standard fixed indexed annuity options.

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Live rate data

Run live numbers for Reliance Accumulator 5

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Reliance Standard product.

Live product data

Rates as of July 3, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

9.75% cap on S&P 500

A short-surrender (five-year) accumulation-focused fixed indexed annuity from a top-rated carrier with S&P 500 cap and participation-rate strategies plus proprietary volatility-controlled indexes, and no income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want fixed indexed accumulation exposure from a top-rated carrier but cannot commit to a ten-year surrender — the five-year schedule keeps the product accessible while still offering a multi-strategy index menu.

AM Best

A++ Superior

Surrender period

5 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.75% cap rate

Annual cap

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

monthly avg cap

10.25% cap rate

Monthly cap

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

56% participation rate

Participation

1-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.85% declared rate

Fixed account

1-year term · 5-year surrender · Premium band not shown

+ 5 additional crediting options (S&P MARC, Nasdaq-100 Intraday, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Issued by a top-rated carrier — Reliance Standard's A.M. Best financial-strength rating is shown on this page so buyers can read the carrier strength view rather than rely on a single-source claim.
  • Short-surrender FIA chassis — at a five-year surrender schedule, this is among the shorter-surrender FIAs in the market, making the product accessible to buyers who do not want to commit to a ten-year contract.
  • Multi-index strategy menu — alongside the S&P 500 cap and participation-rate strategies, the contract offers proprietary volatility-controlled indexes (Nasdaq-100 Intraday Elite 15, S&P 500 Dynamic Intraday TCA, S&P MARC 5% Index) at participation rates that read higher than the S&P 500 figure in nominal terms.
  • Nursing-home and terminal-illness waivers are part of the surrender-charge schedule, so a qualifying medical event lets the contract be accessed without the standard penalty.

What to confirm

  • This contract is NOT a lifetime-income product. There is no GLWB rider and no Protected Income Value — do not compare its accumulation numbers side-by-side with a rider-led product expecting a guaranteed withdrawal rate at age 65.
  • The short-surrender chassis trades off headline cap level. Expect lower caps and participation rates than the ten-year sibling in the same Accumulator family — that is the natural trade-off for the shorter commitment, not a sign of weakness in the contract.
  • The high-participation-rate strategies use proprietary, volatility-controlled indexes. Their participation rates look high in nominal terms but are not directly comparable to an S&P 500 cap — evaluate each strategy's index methodology and any decrement on its own merits.
  • Issue-age bounds and contract minimums are not always fully shown on this page — confirm eligibility and premium minimums with the carrier before purchase.

Not ideal for

Buyers who need a guaranteed lifetime withdrawal benefit, a long-deferral chassis for maximum headline cap, or a contractual income rider — Reliance Accumulator 5 is short-surrender accumulation and does not offer an optional GLWB rider.

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See how Reliance Accumulator 5 compares for your age, state, premium, and income goals alongside other Reliance Standard fixed indexed annuity options.

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All crediting strategies

View rate listings (9 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 225% + Spread: 100% · 1-yr

S&P MARC 5% Excess Return

participation

5-yr surrender

Par: 205% · 1-yr

S&P MARC 5% Excess Return

participation

5-yr surrender

Par: 56% · 1-yr

S&P 500 Index

participation

5-yr surrender

Cap: 10.25% · 1-yr

S&P 500 Index

monthly_avg_cap

5-yr surrender

Cap: 9.75% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 4.85% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 98% · 1-yr

S&P 500 Market Agility 10 TCA 0.5% Decrement Index (USD) ER

participation

5-yr surrender

Par: 74% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

5-yr surrender

Par: 72% · 1-yr

Nasdaq-100 Intraday Elite 15% Index

participation

5-yr surrender

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about Reliance Accumulator 5

● Can I lose money in Reliance Accumulator 5?

A negative index return by itself does not reduce the contract's account value: Reliance Accumulator 5 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 5 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Reliance Accumulator 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Reliance Accumulator 5 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

4.50%

Maximum spread: 4.50%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

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, Surrender waivers

Documents

product guide

EF-3504-2.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA++
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Reliance Accumulator 5 currently shows 9 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 5 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.75% annual cap
  • S&P 500 Index: 10.25% monthly cap
  • S&P 500 Index: 56% annual participation rate
  • Fixed Account: 4.85% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 5 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as EF-3504-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Reliance Accumulator 5 compares for your age, state, premium, and income goals alongside other Reliance Standard fixed indexed annuity options.

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