Reliance Guarantee
Standard
4.95%
Best Rate
10%
Free W/D
51
States
A fixed annuity that guarantees your interest rate for 5, 7, or 10 years while your money grows tax-deferred. Designed for safety-conscious investors who want predictable returns without stock market exposure.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$20,000
Surrender
10 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 5-Year | 4.65% |
| 7-Year | 4.85% |
| 10-Year | 4.95% |
Key Features
Guaranteed Interest Rate
5.35% (5-year), 5.35% (7-year), 5.05% (10-year) as of 10/1/2023Your rate is fixed and guaranteed for the full initial term (5, 7, or 10 years depending on product chosen). Interest rates are subject to change for new deposits only.
Penalty-Free Withdrawals
Up to 10% annually, minimum $100–$500 per transactionYou can withdraw up to 10% of your premium in year one, then up to 10% of your annuity value each year thereafter without early withdrawal penalties.
Nursing Home Care Waiver
Up to 25% annually while confinedIf you're confined to a qualified nursing home for 90 consecutive days after issue (and were age 74 or younger at issue), you can withdraw up to 25% of annuity value penalty-free each year.
Surrender Charges
5-year: 9%→0%; 7-year: 9%→0%; 10-year: 9%→0% over respective termsDecline over time during the guarantee period (9% in year 1 of 5-year product down to 0% after year 5; longer terms have extended schedules). No charges after the guarantee period ends.
Market Value Adjustment (MVA)
Applied only if withdrawal exceeds penalty-free amount during guarantee periodIf you withdraw more than the penalty-free amount during the guarantee period, your value adjusts based on current interest rates vs. your contract rate. You receive a positive adjustment if rates have risen; a negative adjustment if rates have fallen.
Minimum Guaranteed Interest Rate
2.70% (5 & 7-year), 2.70% (10-year)After the guarantee period ends, your rate renews annually at a rate no lower than the minimum guaranteed rate stated in your contract.
Tax-Deferred Growth
Applicable to all account typesInterest compounds without annual tax liability. Available for non-qualified, Traditional IRA, Roth IRA, SEP-IRA, and Pension Trust accounts.
Death Benefit
Equal to annuity value on date of deathUpon your death, your beneficiary receives the full annuity value as of the date of death.
Highlights
Guaranteed interest rates for 5, 7, or 10 years with no market risk to your principal
Tax-deferred growth with 100% of premium earning interest from day one
10% penalty-free withdrawal access each year plus nursing home care waiver option
No surrender charges after the guarantee period ends; automatic renewal at current rates
Surrender Schedule
Yr 1
8%
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
Best For
Safety-conscious investors nearing or in retirement who want guaranteed, predictable income growth without stock market exposure and appreciate fixed terms.
Consider Alternatives If
Investors who may need full access to their funds within the guarantee period without penalty, or those seeking higher returns from market-linked investments.
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