Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Reliance Standard Life review

Annuity Atlas covers 14 Reliance Standard Life annuity products with live rates and contract specs. 11 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A++

Insurer claims-paying rating

Products tracked
14
MYGA yield (lineup max)
5.90% · 10yr · Reliance Guarantee 10-Year
Surrender range
3–10 years
Rate as of Oct 2, 2026
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Products covered
14
A.M. Best
A++
Categories covered
FIA · MYGA

14 Reliance Standard Life annuities

Click any product for rates, specs, and the full peer-group review.

Reliance Guarantee 10-Year
Savers with true long-term money who want to lock the highest rate on Reliance Standard's MYGA ladder at an exceptionally strong carrier
A++
A.M. BEST
MYGA10-YR SURRENDER
Review →
Reliance Guarantee 7-Year
Conservative savers who want a full seven-year rate lock backed by an exceptionally strong carrier, without annual reset risk
A++
A.M. BEST
MYGA7-YR SURRENDER
Review →
Eleos MVA 5
A++
A.M. BEST
MYGA5-YR SURRENDER
Details →
Reliance Guarantee 5-Year
Savers who want a short, fully guaranteed rate lock from a top-rated carrier and don't need an income rider or premium bonus
A++
A.M. BEST
MYGA5-YR SURRENDER
Review →
Eleos SP 5
A++
A.M. BEST
MYGA5-YR SURRENDER
Details →
Reliance Guarantee - 3
A++
A.M. BEST
MYGA3-YR SURRENDER
Details →
Apollo MVA
Retirees and pre-retirees who want a top-rated carrier and can accept an annually-renewed rate plus market value adjustment risk, in a state where the product is approved.
A++
A.M. BEST
MYGA7-YR SURRENDER
Review →
Apollo SP
Conservative savers comfortable locking up money for 7 years with a top-rated carrier, who understand the credited rate resets annually rather than staying fixed for the term
A++
A.M. BEST
MYGA7-YR SURRENDER
Review →
Keystone Index Annuity 10-Year
Buyers with a genuine 10-year-plus horizon who want S&P 500-linked, principal-protected growth from a top-rated carrier and have no interest in an income rider or a multi-index strategy menu
A++
A.M. BEST
FIA10-YR SURRENDER
Review →
Keystone Index Annuity 5-Year
Buyers who want a low-minimum, low-fee 5-year FIA with a competitive locked cap and don't need an income rider or a multi-index menu
A++
A.M. BEST
FIA5-YR SURRENDER
Review →
Keystone Index Annuity 7-Year
Buyers who want a low-minimum, no-fee accumulation FIA backed by a top-tier carrier, without paying for an income rider they may never use
A++
A.M. BEST
FIA7-YR SURRENDER
Review →
Reliance Accumulator 10
Buyers with a decade-plus time horizon, no near-term income need, and enough other liquidity that locking up $20,000 or more for 10 years is a comfortable trade
A++
A.M. BEST
FIA10-YR SURRENDER
Review →
Reliance Accumulator 5
Buyers who want a short-commitment FIA with a genuinely varied crediting menu and a low $20,000 entry point, backed by an A++ carrier
A++
A.M. BEST
FIA5-YR SURRENDER
Review →
Reliance Accumulator 7
Conservative savers who want principal-protected, index-linked growth without market-value-adjustment risk and don't need a lifetime income rider
A++
A.M. BEST
FIA7-YR SURRENDER
Review →

Income rider fees

Disclosed charges for optional riders on Reliance Standard Life products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Enhanced Death BenefitReliance Accumulator 100.40% annually

Frequently asked questions

Is Reliance Standard Life a good annuity company?
We have reviewed 11 Reliance Standard Life products, and A.M. Best rates the carrier A++ for financial strength.
What are the fees for Reliance Standard Life annuities?
Fee structures vary by product. Optional income riders on Reliance Standard Life products carry disclosed charges, for example Enhanced Death Benefit (Reliance Accumulator 10): 0.40% annually . See each product review for the full fee detail.
What is the surrender period for Reliance Standard Life annuities?
Surrender periods on Reliance Standard Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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