What is the minimum guaranteed surrender value for Reliance Standard Life – Eleos MVA 5?

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.

What is the minimum premium amount for Reliance Standard Life – Eleos MVA 5?

The minimum premium amount is $10,000.

What is the maximum issue age for Reliance Standard Life – Eleos MVA 5?

The maximum issue age is 85 years.

What is the current interest rate for Reliance Standard Life – Eleos MVA 5?

The current interest rate is 4.6%.

What is the surrender charge schedule for Reliance Standard Life – Eleos MVA 5?

Withdrawals exceeding the annual 10% free-withdrawal limit, or a full surrender during the surrender charge period, are subject to surrender charges and may also incur a Market Value Adjustment (MVA). The MVA is a plus-or-minus adjustment that reflects interest rate changes relative to the contract’s base rate. Surrender charges decline each year and reach 0% after the surrender period.

What are the best rates available for Reliance Standard Life – Eleos MVA 5?

The best available rate is 4.60% for a 5 year term.

Reliance Standard

Reliance Standard Life – Eleos MVA 5

About this product

The Reliance Standard Life Eleos®-MVA is a single-premium deferred fixed annuity designed to provide guaranteed, tax-deferred interest growth with principal protection over a 5-year guaranteed rate period. The contract includes a Market Value Adjustment (MVA) that may increase or decrease values on withdrawals above the free-withdrawal amount or on full surrender during the surrender charge period. Interest is compounded annually and credited daily, supporting steady accumulation for conservative clients seeking predictable growth.

Available Rates

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

5 Years

4.60%

Available Guarantee Periods

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

$10,000.00 - $1,000,000.00

4.6%

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