Our Fixed and Fixed Index Annuity products are designed for clients seeking principal protection with opportunities for growth, without direct market exposure. Straightforward by design, our products are easy to explain, giving you and your clients confidence from day one.
Every Reliance Standard contract is backed by strong financial ratings from AM Best A++(Superior), S&P A+(Strong), and Moody's A1(Strong). These ratings provide three distinct perspectives on our financial strength, together, they offer broader third-party validation of our financial stability and confidence in our financial foundation.
1Three-year fixed rate guaranteed from contract date of issue. If the contract continues beyond the full three-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.
1Five-year fixed rate guaranteed from contract date of issue. If the contract 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.
1 Seven-year fixed rate guaranteed from contract date of issue. If the contract continues beyond the full seven-year period, the interest rate will not be less than the minimum guaranteed interest rate.
2 Minimum Guaranteed Rate set at issue fixed for the life of the contract and subject to change quarterly.
1Ten-year fixed rate guaranteed from contract date of issue. If the contract continues beyond the full ten-year period, the interest rate will not be less than the minimum guaranteed interest rate.
2 Minimum Guaranteed Rate set at issue fixed for the life of the contract and subject to change quarterly.
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 Index Interest Rate Cap, Participation Rate, and Fixed Interest Rate are guaranteed for the first contract year; thereafter, Reliance Standard will declare rates each subsequent contract year. The Cap, Participation, and Fixed Interest rates for subsequent years will be equal to or greater than the guaranteed rate shown.
2 Rate lock is not available on the S&P 500 Par Rate strategy.
3 Spread Rate is guaranteed for the first contract year; thereafter, Reliance Standard will declare Spread Rates each subsequent contract year. Spread Rate shown in the guaranteed column is the maximum that may be declared during the life of the contract.
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.
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 Index Interest Rate Cap, Participation Rate, and Fixed Interest Rate are guaranteed for the first contract year; thereafter, Reliance Standard will declare rates each subsequent contract year. The Cap, Participation, and Fixed Interest rates for subsequent years will be equal to or greater than the guaranteed rate shown.
2 Rate lock is not available on the S&P 500 Par Rate strategy.
3 Spread Rate is guaranteed for the first contract year; thereafter, Reliance Standard will declare Spread Rates each subsequent contract year. Spread Rate shown in the guaranteed column is the maximum that may be declared during the life of the contract.
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.
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 Index Interest Rate Cap, Participation Rate, and Fixed Interest Rate are guaranteed for the first contract year; thereafter, Reliance Standard will declare rates each subsequent contract year. The Cap, Participation, and Fixed Interest rates for subsequent years will be equal to or greater than the guaranteed rate shown.
2 Rate lock is not available on the S&P 500 Par Rate strategy.
3 Spread Rate is guaranteed for the first contract year; thereafter, Reliance Standard will declare Spread Rates each subsequent contract year. Spread Rate shown in the guaranteed column is the maximum that may be declared during the life of the contract.
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.
1 The Index Interest Rate Cap, Participation Rate, and Fixed Interest Rate are guaranteed for the first contract year. Each subsequent year, Reliance Standard will declare rates for that contract year; rates will never fall below the Minimum Guaranteed Rate or Cap.
2 Minimum Guaranteed Rate set at issue, fixed for the life of the contract.
Index Trademark Disclosures
The S&P 500 is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has 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”).
1 The Index Interest Rate Cap, Participation Rate, and Fixed Interest Rate are guaranteed for the first contract year. Each subsequent year, Reliance Standard will declare rates for that contract year; rates will never fall below the Minimum Guaranteed Rate or Cap.
2 Minimum Guaranteed Rate set at issue, fixed for the life of the contract.
Index Trademark Disclosures
The S&P 500 is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has 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”).
1 The Index Interest Rate Cap, Participation Rate, and Fixed Interest Rate are guaranteed for the first contract year. Each subsequent year, Reliance Standard will declare rates for that Contract Year; rates will never fall below the Minimum Guaranteed Rate or Cap.
2 Minimum Guaranteed Rate set at issue, fixed for the life of the contract.
Index Trademark Disclosures
The S&P 500 is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has 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”).
1 Minimum Guaranteed Rate set at issue fixed for the life of the contract and subject to change quarterly.
1 Minimum Guaranteed Rate set at issue fixed for the life of the contract and subject to change quarterly.
1 Minimum Guaranteed Rate set at issue fixed for the life of the contract and subject to change quarterly.
1 Minimum Guaranteed Rate set at issue fixed for the life of the contract and subject to change quarterly.
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.
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.
Reliance Standard's ratings:
- A.M. Best Rating affirmed 11/19/2025. A.M. Best Company assigns ratings from A++ to D based on their opinion of a company's financial strength and ability to meet future obligations to contract holders. A++ (Superior) is the highest of 15 ratings. http://www.ambest.com
- Standard and Poor's Rating Affirmed 12/11/25. Standard & Poor's assigns ratings from AAA to D based on their opinion of a company's future financial security. A+ (Strong) is highest rating in category A and the 5th highest of 21 ratings. http://www.standardandpoors.com
- Moody's rating affirmed 2/19/26. Moody's assigns rating from Aaa to C based on their opinion of a company's future financial security. A1 is highest rating in category A and the 5th highest of 21 ratings. https://www.moodys.com
Home Office: Schaumburg, Illinois | Administrative Office: 1700 Market Street, Suite 1200, Philadelphia, PA 19103 | 1.800.435.7775
For more information: (800) 435-7775, ext 3696
D-RSA0015