Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
10.25%
Best S&P 500 Annual Cap
10%
Free W/D
51
Jurisdictions
Product data status: July 13, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how Keystone Index Annuity compares for your age, state, premium, and income goals alongside other Reliance Standard fixed indexed annuity options.
Live rate data
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Reliance Standard product.
Live product data
Rates as of July 13, 2026, based on the latest AdvisorWorld scan of CANNEX data.
S&P 500 annual point-to-point cap
An accumulation-focused fixed indexed annuity from a top-rated carrier on a long-surrender chassis with an annual free-withdrawal allowance and S&P 500 cap, monthly-sum, and participation-rate strategies — no income rider.
Best fit
Buyers who want fixed indexed accumulation exposure backed by a top-rated carrier and a multi-strategy S&P 500 lineup, and who are committed to the contract's surrender schedule for the headline cap.
AM Best
A++ Superior
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
51 jurisdictions (excl. New York)
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
9.25% cap rate
Annual cap
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
S&P 500
S&P 500 Index
monthly avg cap
9.75% cap rate
Monthly cap
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
S&P 500
S&P 500 Index
monthly avg cap
10.25% cap rate
Monthly cap
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
9.75% cap rate
Annual cap
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
monthly avg cap
10.75% cap rate
Monthly cap
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
10.25% cap rate
Annual cap
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
54% participation rate
Participation
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
S&P 500
S&P 500 Index
56% participation rate
Participation
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
58% participation rate
Participation
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
Fixed Account
Fixed Account
4.7% declared rate
Fixed account
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
Fixed Account
Fixed Account
4.85% declared rate
Fixed account
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
Fixed Account
Fixed Account
4.9% declared rate
Fixed account
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
Product analyst notes
Not ideal for
Buyers who need a guaranteed lifetime withdrawal benefit, a short-surrender product, or a contractual income rider — Keystone is accumulation-focused and does not offer an optional GLWB rider.
Free Comparison Report
See how Keystone Index Annuity compares for your age, state, premium, and income goals alongside other Reliance Standard fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 54% · 1-yr
S&P 500 Index
participation
Cap: 9.75% · 1-yr
S&P 500 Index
monthly_avg_cap
Cap: 9.25% · 1-yr
S&P 500 Index
cap
Fixed: 4.7% · 1-yr
Fixed Account
fixed
Par: 56% · 1-yr
S&P 500 Index
participation
Cap: 10.25% · 1-yr
S&P 500 Index
monthly_avg_cap
Cap: 9.75% · 1-yr
S&P 500 Index
cap
Fixed: 4.85% · 1-yr
Fixed Account
fixed
Par: 58% · 1-yr
S&P 500 Index
participation
Cap: 10.75% · 1-yr
S&P 500 Index
monthly_avg_cap
Cap: 10.25% · 1-yr
S&P 500 Index
cap
Fixed: 4.9% · 1-yr
Fixed Account
fixed
Accumulation-focused — no income rider
This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.
A negative index return by itself does not reduce the contract's account value: Keystone Index Annuity credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay another current Keystone Index Annuity strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap for cap-based indexed strategies.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
product guide
Direct link not published — request the document from the carrier.
Crediting design
Keystone Index Annuity currently shows 12 indexed or fixed crediting options, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as EF-1885-NR.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how Keystone Index Annuity compares for your age, state, premium, and income goals alongside other Reliance Standard fixed indexed annuity options.