Reliance Standard Life review

Annuity Atlas covers 13 Reliance Standard Life annuity products with live rates and contract specs. 11 carry full editorial reviews.

Carrier strength

A++

A.M. Best

Products13

Get my free review

Products covered

A.M. Best

A++

Categories covered

FIA · MYGA

13 Reliance Standard Life annuities

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

Product	Type	Surrender	Rating	Income rider	Bonus
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	MYGA	10yr	A++	—	—	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	MYGA	7yr	A++	—	—	Review →
Eleos MVA 5	MYGA	5yr	A++	—	—	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	MYGA	5yr	A++	—	—	Review →
Eleos SP 5	MYGA	5yr	A++	—	—	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.	MYGA	7yr	A++	—	—	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	MYGA	7yr	A++	—	—	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	FIA	10yr	A++	—	—	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	FIA	5yr	A++	—	—	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	FIA	7yr	A++	—	—	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	FIA	10yr	A++	—	—	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	FIA	5yr	A++	—	—	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	FIA	7yr	A++	—	—	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.

Rider	Product	Fee
Enhanced Death Benefit	Reliance Accumulator 10	0.40% 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 5–10 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 →

See your Reliance Standard Life income projection

Personalized estimate
Based on age, premium & goals
No pressure, no pitch.

Compare Reliance Standard Life