Reliance Accumulator 7
Reliance Standard
10%
Best Cap
10%
Free W/D
51
States
The Reliance Accumulator 7 is a single premium deferred equity index annuity designed for growth-focused individuals who want market-linked returns with guaranteed principal protection and tax-deferred accumulation for retirement.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$20,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 10% | 100% | -- |
| S&P 500 Index | Monthly | 10.5% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 210% | -- |
| Fixed Account | Daily | -- | -- | 4.7% |
Key Features
Principal Protection
100% of premiumYour initial premium is fully protected from index losses; you can never lose your original investment due to market performance.
Multiple Index Strategies
6+ available strategiesChoose from S&P 500, S&P MARC, Nasdaq-100, and other indexes with different volatility targets and participation rates to match your risk tolerance.
Tax-Deferred Growth
Tax-advantaged growthYour earnings grow without annual tax reporting, allowing compound growth to work more effectively until you withdraw funds.
Penalty-Free Withdrawals
10% annual accessAccess up to 10% of your contract value penalty-free after the first 30 days; additional penalty-free access available for nursing care or terminal illness.
Enhanced Death Benefit (Optional)
0.40% annual feeFor 0.40% annually, your beneficiaries receive guaranteed 8% simple interest growth on your contract value for up to 13 years, protecting your legacy.
Flexible Reallocation
Annual reallocationMove money between index strategies once per year on your contract anniversary with a $5,000 minimum per strategy.
Surrender Charges
8% to 0%Early withdrawal charges decline over 7 years (8% Year 1, declining to 0% by Year 8) to discourage short-term withdrawals.
Highlights
100% principal protection — your premium is safe from market downturns
Multiple index strategies to choose from, giving you control over growth potential
Tax-deferred accumulation that helps your retirement savings grow faster
Optional Enhanced Death Benefit provides guaranteed 8% annual growth for legacy planning
Flexible access options including penalty-free withdrawals and special needs provisions
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Growth-focused individuals nearing or in retirement who want market-linked returns with guaranteed principal protection, tax-deferred growth, and a long-term time horizon (7+ years).
Consider Alternatives If
Investors who need immediate access to their full principal without penalties or those seeking aggressive, uncapped market participation should consider other investment options.
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