What is the minimum guaranteed surrender value for Reliance Guarantee 5, 7 & 10?

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.

What is the minimum premium amount for Reliance Guarantee 5, 7 & 10?

The minimum premium amount is $20,000.

What is the maximum issue age for Reliance Guarantee 5, 7 & 10?

The maximum issue age is 85 years.

What is the current interest rate for Reliance Guarantee 5, 7 & 10?

The current interest rate is 5%.

What is the surrender charge schedule for Reliance Guarantee 5, 7 & 10?

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.

What are the best rates available for Reliance Guarantee 5, 7 & 10?

The best available rate is 5.00% for a 10 year term.

Reliance Standard

Reliance Guarantee 5, 7 & 10

About this product

The Reliance Guarantee 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 5, 7, or 10 years. 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

5 Years	5.00%
7 Years	5.00%
10 Years	5.00%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$20,000.00 - $500,000.00

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage