Reliance Accumulator® 7
Single Premium Deferred Index Annuity
A smart choice for safety-conscious individuals seeking financial security and growth.
Reliance Accumulator® 7
Effective: May 16, 2026 (Indexed)
Reliance Accumulator business must be submitted electronically (via AnnuityNet/Subscribe, Affirm, or Firelight). This product and certain features may not be available in all states.
1 The cap, par rate, and interest rate shown above represent the minimum cap, par rate or interest rate that will be declared for each strategy after the first year. These rates do not represent the minimum guaranteed value.
2 The S&P 500, S&P MARC 5% ER, S&P 500 Market Agility 10 TCA 0.5% Decrement ER, and S&P 500 Dynamic Intraday TCA ER are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Reliance Standard. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Reliance Standard annuity products are not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of any S&P index.
3 The Nasdaq-100 Intraday Elite 15% Index is a product of Nasdaq, Inc. and has been licensed for use by Reliance Standard. Reliance Standard annuity products are not sponsored, endorsed, sold, or promoted by Nasdaq, and Nasdaq makes no representation regarding the advisability of investing in such products.
4 Rate lock is not available on the S&P 500 Par Rate strategy.
Reliance Accumulator® 7
State Approval:
All states except NY, GU
Surrender Charge:
7 years - 8%, 8%, 7%, 6%, 5%, 4%, 3%, 0%
If Owner withdraws more than the penalty-free amount allowed in any of the first sevenyears of contract, amounts in excess of penalty-free will be subject to surrender charges,
Waivers:
90 consecutive days of Hospital/Nursing home confinement, up to 25% each year, or waived 100% after 1st year for terminal illness.
Issue Ages:
0 - 85
Reallocation Options:
Owner may reallocate a minimum of $5,000 per strategy on each Contract Anniversary with notice prior to the Contract anniversary date. $5,000 must remain in any one strategy. Reallocation subject to available strategies at that time.5
Minimum Guaranteed Value:
The greater of (1) premium paid, less withdrawals and surrender charges or (2) 87.5% of premium, less withdrawals accumulated at the non-forfeiture rate.
Minimum/Maximum Premium:
Minimum Premium: $20,000 ($5,000 minimum per strategy) / Maximum Premium without prior approval: Age 0-75: $1,000,000; Age 76-85: $500,000
Free Withdrawal:
10% beginning in year one. Systematic withdrawals available on Fixed Account Strategy only. Lump Sum on Index Strategies.6
Traditional & Roth IRA:
Owner may transfer or roll over funds from IRAs or qualified pension plans. No additional tax advantages beyond standard IRA benefits.
Nursing Care Benefit:
25% penalty-free annual withdrawals.7
Terminal Illness Benefit:
Full access after first year.8
Death Benefit:
Upon Annuitant’s death, the beneficiary will receive the greater of the annuity value or minimum contract value. Benefit passes directly without probate delays.
Optional Enhanced Death Benefit
Optional Enhanced Death Benefit9 - For an additional annual fee of 0.40%, this exclusive feature builds a lasting legacy with guaranteed protection for your client’s beneficiary(ies) against market uncertainty. Offers flexible withdrawal options for Required Minimum. Distributions10 and benefits for spousal beneficiaries.11 This benefit transforms your client’s legacy planning with dependable 8% simple interest growth throughout the Contract for up to 13 years.
Enhanced Death Benefit example based on $100,000 initial premium with individual ownership and no withdrawals. At start of:
- Year 2: $108,000 Legacy begins growing
- Year 3: $116,000 Protection grows stronger
- Year 4: $124,000 Continued guaranteed increases
Any withdrawals will reduce the death benefit amount according to the withdrawal rules described in the contract.9
5 Available strategies may change over time. Minimum and maximum allocation requirements apply. In either case, the minimum guaranteed value will be reduced by any applicable tax.
6 Withdrawals may be subject to federal/state income tax and, if taken before age 59 1/2, an additional 10% federal penalty tax. Systematic withdrawals may only be scheduled on the Contract Anniversary.
7 Annuitant must be admitted to a qualified nursing facility after Contract issue date and remain confined for 90 consecutive days. Available to Owner for annuitants ages 74 and younger. In CA, FL, ND & SD the 90 consecutive day confinement must start after the first Contract Year.
8 Available after first Contract Year upon annuitant’s diagnosis by qualified physician after Contract date. Terminal illness is a condition reasonably expected to result in death within twelve months.
9 Available only at contract issue for individual owners who are also the annuitant, age 75 and younger. Not available for joint owners, joint annuitants, or corporate/trust ownership. Not available in all states; benefits may vary by state.
10 Required Minimum Distributions reduce the benefit dollar-for-dollar; other withdrawals result in proportional reductions.
11 If spouse is named as sole primary beneficiary, they may have the option to continue Contract including any Enhanced Death Benefit payment amount.
Principal Protection
100% of premium protected from market losses
Tax-Deferred Growth
Accumulate wealth with tax-advantaged growth
For education of Producers/Agents only and not intended for use with the general public. For complete descriptions of all benefits and features, please refer to the policy/certificate.
This fact sheet provides a summary of the features of the Reliance Accumulator® Index Annuity, a Single Premium Deferred Equity Index Annuity Contract. It does not modify the terms of this Contract. This product or certain features may not be available in all states. The Annuity Contract is subject to limitations. Interest rates are declared each year and may exceed the minimum guaranteed rate. Guarantees are backed by the financial strength and claims paying ability of Reliance Standard. For more details, contact Reliance Standard.
Annuities are products of the insurance industry and are not insured by the Federal Deposit Insurance Corporation (FDIC), National Credit Union Administration (NCUA)/National Credit Union Share Insurance Fund (NCUSIF) or any Governmental Agency. NOT A BANK GUARANTEE. NOT A DEPOSIT. MAY LOSE VALUE.
Index Trademark Disclosures
The S&P 500, S&P MARC 5% ER, S&P 500 Market Agility 10 TCA 0.5% Decrement ER, and S&P 500 Dynamic Intraday TCA ER are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Reliance Standard. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Reliance Standard annuity products are not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of any S&P index.
The Nasdaq-100 Intraday Elite 15% Index is a product of Nasdaq, Inc. and has been licensed for use by Reliance Standard. Reliance Standard annuity products are not sponsored, endorsed, sold, or promoted by Nasdaq, and Nasdaq makes no representation regarding the advisability of investing in such products.
For more information: (800) 435-7775, ext 3696
D-3505