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If you withdraw more than the penalty-free amount during the first years of your contract, your annuity will be subject to surrender penalties and a market value adjustment. Surrender charges for Reliance Guarantee 5 are 8% in Year 1, decreasing to 0% in Year 6. For Reliance Guarantee 7, charges start at 8% and decline to 0% in Year 8. For Reliance Guarantee 10, the surrender charges begin at 8% in Year 1 and gradually reduce to 0.5% in Year 10, and then 0% in Year 11. A market value adjustment applies during the surrender period. In California, reduced schedules apply for issue ages 60 and older.

The contract guarantees that surrender value is subject to surrender charges and market value adjustment during the applicable term. Minimum guaranteed values apply.

Waived for 90 consecutive days of Hospital/Nursing home confinement after first year, or waived 100% after first year for terminal illness.

Systematic withdrawal of interest or 10% annual withdrawal beginning in the first year.

Individual Retirement Annuity. Can accept rollovers or transfers from IRAs and qualified retirement plans.

Each Reliance Guarantee annuity guarantees a fixed interest rate for the duration of the selected term—5, 7, or 10 years—and allows for 10% annual penalty-free withdrawals starting in the first year. The product is backed by a guaranteed minimum interest rate after the term ends. If the contract owner is confined to a hospital or nursing home for 90 consecutive days after the first year or is diagnosed with a terminal illness, surrender charges may be waived. A market value adjustment applies to withdrawals exceeding the free allowance during the surrender period. At death, the full account value is paid to the beneficiary.

After the guaranteed term, interest rates renew annually, subject to the minimum guaranteed rate of 3.00%.

Series is a fixed, single premium deferred annuity product offered by Reliance Standard Life Insurance Company, designed to provide principal protection, tax-deferred accumulation, and guaranteed interest over a term of 

. The product is suitable for conservative investors seeking predictable growth and stable returns with optional penalty-free access to funds under defined conditions. It includes a market value adjustment feature during the surrender period and a death benefit equal to the contract value.

If you withdraw more than the penalty-free amount allowed during the first five years, surrender penalties will apply. 

Waiver of Surrender Charges Rider. No optional income or enhanced benefit riders disclosed.

Your annuity contract’s death benefit is payable to your beneficiary(ies) upon your death. Your policy’s death benefit will be equal to the annuity’s value.

Nursing Home Waiver: “You may withdraw up to 25% of your annuity value penalty free in each year that you are confined to a qualified nursing home or hospital,” provided:

You can withdraw up to 10% of the premium paid in the first contract year, and after the first year, up to 10% of the annuity value each year with no early withdrawal charges.” One penalty-free withdrawal per contract year is allowed, minimum $500.

Individual Retirement Annuity. Can accept rollovers or transfers from IRAs and qualified pension/profit-sharing plans.

Eleos®‑SP 5 guarantees a base interest rate for the first five years, including an optional first-year interest bonus. After year five, Reliance Standard declares renewal interest rates annually that cannot fall below the stated minimum guarantee. Withdrawals above the 10% annual free withdrawal limit are subject to surrender charges. Additional features include a death benefit equal to the annuity value, and a nursing home waiver allowing up to 25% annual withdrawal penalty-free under qualifying conditions.

After the five-year guarantee period, Reliance Standard will declare a new interest rate annually. This renewal rate will never be lower than the minimum guaranteed rate of 1.60% (or 3.00% in some versions of the brochure depending on the publication).

Surrender value is equal to the annuity value minus applicable surrender charges. Minimum guaranteed value is the greater of:

 is a Single Premium Deferred Annuity designed to provide safe, predictable growth with tax-deferred earnings. Issued by Reliance Standard Life Insurance Company, it features a fixed interest rate for the first five years and the ability to take limited penalty-free withdrawals. It is intended for individuals seeking guaranteed returns, asset protection, and retirement income stability without market risk.

If you withdraw more than the penalty-free amount during the first five years of your contract, your annuity will be subject to a market value adjustment and surrender penalties. Surrender charges are 8% in Year 1, decreasing to 4% by Year 5, and 0% in Year 6. These charges apply to excess withdrawals and may also apply to penalty-free withdrawals taken within 12 months of surrender. Additionally, the market value adjustment may increase or decrease your annuity value based on interest rate changes relative to the contract’s base rate.

Waiver of Market Value Adjustment and Surrender Charges Rider is available. No other riders specified in the brochure.

You may withdraw up to 25% of your annuity value penalty free in each year that you are confined to a qualified nursing home or hospital, provided you meet the conditions.

You can withdraw up to 10% of the premium paid in the first contract year, and after the first year, up to 10% of the annuity value each year with no early withdrawal charges. Withdrawals may be taken either as a lump sum or spread throughout the Contract Year.

Individual Retirement Annuity. You may rollover or transfer funds from IRAs or qualified pension or profit sharing plans into the Eleos‑MVA contract.

This annuity provides a fixed interest rate for the initial five-year period, followed by annual renewal rates that cannot fall below the minimum guarantee. Withdrawals exceeding the free withdrawal limit in the first five years are subject to both surrender charges and a market value adjustment (MVA). The MVA modifies the surrender value based on current interest rate conditions. The policy also includes provisions for penalty-free withdrawals under qualifying nursing home confinement and provides full account value to beneficiaries upon death.

After year 5, the interest rate is declared annually by Reliance Standard and will never be lower than the minimum guaranteed rate.

Equal to the annuity value minus applicable surrender charges and any market value adjustment, but not less than the premium paid minus withdrawals accumulated at the minimum guaranteed interest rate.

 is a Single Premium Deferred Annuity with a Market Value Adjustment provision. It is designed for safety-conscious individuals seeking stable returns and principal protection. Interest is compounded annually and credited daily, with a guaranteed rate for the first five years. After that, rates are declared annually and are never lower than the minimum guaranteed rate. The contract offers limited penalty-free access, a death benefit, and adjustments for early withdrawal.

Reliance Guarantee 5, 7 & 10

Reliance Eleos®‑SP 5

Reliance Eleos®‑MVA 5