Reliance Standard Guarantee — 10-year fixed annuity at 5.40%
- Locks in 5.40% for 10 years
- Open with $20,000 to $1,000,000
- Free withdrawals allowed for:
- 10% of your balance each year
- Your full investment for nursing home confinement
Rates as of May 8, 2026
Projected balance
over 10 years
Compounded at 5.40% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $1,350 | $26,350 |
| 2 | $1,423 | $27,773 |
| 3 | $1,500 | $29,273 |
| 4 | $1,581 | $30,853 |
| 5 | $1,666 | $32,519 |
| 6 | $1,756 | $34,275 |
| 7 | $1,851 | $36,126 |
| 8 | $1,951 | $38,077 |
| 9 | $2,056 | $40,133 |
| 10 | $2,167 | $42,301 |
| Total earnings | $17,301 | $42,301 |
Free-withdrawal allowance: 10% / yr. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #42 of 59 (top is 6.25% — Sentinel Security Personal Choice)
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 8.0% |
| Year 2 | 8.0% |
| Year 3 | 7.0% |
| Year 4 | 6.0% |
| Year 5 | 5.0% |
| Year 6 | 4.0% |
| Year 7 | 3.0% |
| Year 8 | 2.0% |
| Year 9 | 1.0% |
| Year 10 | 0.5% |
Contract terms
What else to know
Term
10 years guaranteed at 5.40% APY
Investment range
$20,000 – $1,000,000
Funding sources accepted
Roth Conversion (Full), Traditional IRA, Profit Sharing, Non-Qualified, Inherited IRA, 1035 Exchange, IRA Rollover, IRA-Roth, Pension, SEP IRA, TSP
Owner age
0 to 85 years old
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Riders & waivers
- Nursing Home Waiver
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Reliance Standard contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
Before you decide
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It shows you how to check this carrier for yourself — what your state guarantees if it ever fails, what you can take out early and what that costs, at the amount you’re considering.
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