Reliance Accumulator 10
Standard
10.25%
Best Cap
10%
Free W/D
51
States
A single-premium equity index annuity that protects your principal while offering tax-deferred growth tied to market index performance. Designed for long-term planners who want upside potential without downside risk.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 10.25% | 100% | -- |
| S&P 500 Index | Monthly | 10.75% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 215% | -- |
| Fixed Account | Daily | -- | -- | 4.7% |
Key Features
Principal Protection
100% guarantee100% of your premium is protected from index losses, regardless of market performance
Index Strategies
6 strategies availableChoose from six different index strategies including S&P 500, multi-asset, and fixed-rate options to match your risk comfort
Participation Rates
54% to 215%Earn a percentage of index gains; rates vary by strategy and range from 54% to 215% depending on your choice
Penalty-Free Withdrawals
10% annual accessAccess up to 10% of your contract value annually without surrender charges after the first 30 days
Tax-Deferred Growth
Tax-deferredYour earnings accumulate without annual tax liability, allowing compound growth over time
Surrender Charge Schedule
9% to 0% over 10 yearsEarly withdrawal penalties decline from 9% in year 1 to 0% by year 11, giving you an exit ramp
Enhanced Death Benefit
0.40% annual feeOptional rider providing 8% simple annual growth on your death benefit for up to 13 years for legacy planning
Nursing Care & Terminal Illness Benefit
Special access provisionsPenalty-free 25% annual withdrawals for nursing care, plus full access after year 1 if terminally ill
Highlights
100% principal protection—your premium is guaranteed safe from market losses
Multiple index strategies to choose from, including multi-asset options for diversification
Tax-deferred growth with flexible access to 10% of your money penalty-free each year
Optional Enhanced Death Benefit with 8% guaranteed annual growth for legacy planning
Available from age 0 to 80 with no probate delays on death benefit payouts
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
Yr 10
0.5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Investors age 0–80 seeking tax-deferred growth with principal protection who can commit funds for 10+ years and want diversified index exposure without market downside risk.
Consider Alternatives If
Investors who need immediate access to their full premium, cannot tolerate a 10-year surrender charge period, or prefer direct stock market participation without caps on gains.
Carrier Ratings
Free Comparison Report
Get a personalized Reliance Accumulator 10 illustration
See year-by-year projections for your specific age, premium, and income goals.