7%
1-yr effective annual yield · 7-yr surrender schedule · $5,000+ premium
10%
Free W/D
41
Available jurisdictions
Rates as of August 7, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Apollo MVA
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Reliance Standard product.
Live product data
Rates as of August 7, 2026, from AdvisorWorld and CANNEX.
1-year guaranteed rate
7% effective annual rate over the 1-year term
A one-year guaranteed-rate fixed annuity from highly rated Reliance Standard with a longer surrender schedule, annual liquidity, and market value adjustment exposure.
Best fit
Buyers who value strong carrier ratings, can accept annual rate resets, and expect to hold through the surrender schedule.
Available guarantee terms
1 year
AM Best
A++ Superior
Surrender period
7 years
Free withdrawal
10%/yr
Availability
41 jurisdictions (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- The issuing carrier carries a top-tier financial-strength rating, an important consideration for a long-lived annuity obligation.
- Annual free withdrawals and a nursing-home surrender waiver provide defined access while the surrender schedule remains active.
What to confirm
- The live rate is guaranteed for one year, not for the full surrender period. Renewal rates after the first year can change.
- This contract includes a market value adjustment on larger early withdrawals; compare the sibling Apollo SP filing if avoiding MVA exposure matters more than the current crediting terms.
Not ideal for
Buyers seeking a multi-year rate lock that matches the full surrender period or those who want to avoid market value adjustments.
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 1-Year | 7-Year schedule | Jul 24, 2026 | 7%Effective annual rate · full term7% first year · 5% renewal |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
1Nursing home waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
7-Year Version
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, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how Apollo MVA compares for your age, state, premium, and income goals alongside other Reliance Standard MYGA options.