Reliance Guarantee® MYGA 5

Effective as of July 24, 2026 (Fixed)

Term	Guaranteed Rate (Yr 1-5)¹	Minimum Guaranteed Rate²
5	5.35%	3.00%

1Five-year fixed rate guaranteed from contract date of issue. If the contact continues beyond the full five-year period, the interest rate will not be less than the minimum guaranteed interest rate.

2Minimum Guaranteed Rate set at issue fixed for the life of the contract and subject to change quarterly.

Quick Facts

0 to 85

Issue Ages

$20,000

Minimum Premium

$1,000,000 (Age 0-75)

Maximum Premium

$500,000 (Age 76-85)

Maximum Premium

Owner must be an annuitant except for non-natural entity

Joint owners must be joint annuitants

Premiums over thresholds shown require prior approval

Multi-Source Funding: Where multiple transfers, exchanges, or cash payments are combined into a single contract, the date of issue is the date the final funds are received.

Contract Specifications

State Approval:	All states except NY, GU
Penalty-Free Access:	Contract Year 1: Up to 10% of premium paid, no early withdrawal charges. Contract Year 2+: Up to 10% of the current annuity value per contract year, no early withdrawal charges. Withdrawals may be subject to federal and state income tax. Distributions prior to age 59 1/2 may be subject to an additional 10% IRS penalty tax.
Surrender Charges:	Early withdrawal penalties apply to amounts exceeding the penalty-free allowance during the first five contract years. No initial sales charges - 100% of premium earns interest from day one. 5 years - 8%, 8%, 7%, 6%, 5%, 0% Early withdrawal penalties include both surrender charges and any applicable market value adjustment.
Minimum Withdrawal Amounts:	Penalty-free withdrawals may be taken as a lump sum or scheduled throughout the contract year. Unscheduled lump sum: $500 minimum Scheduled periodic check: $250 minimum Scheduled EFT: $100 minimum
Traditional & Roth IRA:	Owner may transfer or roll over funds from IRAs or qualified pension plans.
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.
Nursing Confinement Waiver Benefit:	25% penalty-free annual withdrawals.3
End of Guarantee Period:	Contract automatically renews to a 1-yr guarantee period at then-current rates; no longer subject to the MVA or surrender charges at renewal. Renewal rates will not fall below the minimum guaranteed interest rate.

3 RSL will waive application of the MVA and deduction of the surrender charges so long as the annuitant is admitted to a qualified nursing facility after contract issue date and remains confined for 90 consecutive days. Available to owner for annuitants ages 74 and younger. In CA, DE, FL, ND & SD the 90 consecutive day confinement must start after the first contract year.

Market Value Adjustment

A Market Value Adjustment (MVA) applies to withdrawals in excess of the penalty-free amount and full surrenders during the 5-year MVA period.4

⁴ Subject to further limitation in California; please review the contract for complete information.

How MVA Affects Annuity Value

The MVA is based on the difference between the base interest rate at the time of issue and the current base rate for the same guarantee period at the time of withdrawal. The MVA may increase or decrease the amount of the withdrawal or surrender value of the contract depending on this change.

If current rates are higher than when the contract was issued, the MVA is a negative adjustment and would reduce the annuity value.

If current rates have declined more than 0.50%5 below the base rate, the MVA is positive and there would be a positive adjustment to the annuity value.

Regardless of MVA direction, the contract value will never fall below the premium paid, less withdrawals, accumulated at the minimum guaranteed interest rate, reduced by any applicable surrender charges.

5 In Florida, any decrease in the base interest rate will result in the contract receiving a positive market value adjustment.

Legal Notices and Compliance

This document provides a summary of the features of the Reliance Guarantee® 5, a Single Premium Deferred Annuity Contract with Market Value Adjustment. 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 subject to change. Guarantees are backed by the financial strength and claims paying ability of Reliance Standard Life Insurance Company, a member of the Tokio Marine Group. 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.

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.

Home Office: Schaumburg, Illinois

Administrative Office: 1700 Market Street, Suite 1200, Philadelphia, PA 19103 | 1.800.435.7775

Focus on the Future with Financial Strength You Can Rely On®

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