Reliance Standard
An Illinois-domiciled fixed-annuity issuer with roots to 1907, backed by the financial strength of Tokio Marine Group and carrying an A++ (Superior) rating from AM Best across a shelf of fixed indexed and multi-year guaranteed annuities issued through its retirement services business.
Financial strength
A++
AM Best
A+
S&P Global
A1
Moody's
AM Best A++ (Superior)
Reliance Standard carries an A++ (Superior) Financial Strength Rating from AM Best - the highest of fifteen categories.
Tokio Marine Group
A member of Tokio Marine Group (Japan) via Delphi Financial Group - institutional scale and capital resources behind the issuing carrier, with enterprise risk management integrated into Tokio Marine Holdings.
Roots to 1907
Traces its history to 1907 as Central Standard Life Insurance Company in Chicago; renamed Reliance Standard Life Insurance Company in 1965.
Reliance Accumulator & Keystone FIAs
The fixed indexed annuity lineup includes the Reliance Accumulator 5/7/10 line and the Keystone Index Annuity, with S&P 500 cap, monthly-sum, participation-rate, and proprietary volatility-controlled index strategies.
Eleos & Reliance Guarantee MYGAs
Declared-rate multi-year guaranteed annuities - Eleos MVA, Eleos S&P, and Reliance Guarantee - round out the shelf for buyers who want a fixed, guaranteed term.
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Growth FIAs
Selected product: Keystone Index Annuity
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
Other current products
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Explore Reliance Standard products
Reliance Standard’s lineup, grouped by what each product group is built to do. Current rates come from CANNEX via AdvisorWorld and are checked daily.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Keystone Index Annuity
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.
S&P 500 annual cap
10.25%
Reliance Accumulator 5
A short-surrender (five-year) accumulation-focused fixed indexed annuity from a top-rated carrier with S&P 500 cap and participation-rate strategies plus proprietary volatility-controlled indexes, and no income rider.
S&P 500 annual cap
9.75%
Reliance Accumulator 7
A mid-term (seven-year) accumulation-focused fixed indexed annuity from a top-rated carrier with S&P 500 cap and participation-rate strategies plus proprietary volatility-controlled indexes, and no income rider.
S&P 500 annual cap
10.25%
Reliance Accumulator 10
An accumulation-focused long-surrender fixed indexed annuity from a top-rated carrier with a multi-strategy index menu — S&P 500 cap and participation rates plus higher-participation proprietary volatility-controlled indexes — and no income rider.
S&P 500 annual cap
10.5%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-16. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
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Company overview
What Reliance Standard is
Reliance Standard Life Insurance Company is an Illinois-domiciled stock life insurer with a home office in Schaumburg, Illinois and an administrative office in Philadelphia. It operates in two broad categories - group employee benefits and retirement services - with retirement services (including fixed annuities) representing the majority of its 2024 premium and reserve mix.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Reliance Standard is a member of Tokio Marine Group (Japan) through Delphi Financial Group, its intermediate parent; its immediate parent is Reliance Standard Life Insurance Company of Texas. Product guarantees are backed by the financial strength and claims-paying ability of Reliance Standard itself, with Tokio Marine ownership a support and strength factor rather than a direct product guarantee.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Among Reliance Standard's annuity families are Reliance Accumulator Fixed Indexed Annuities, Keystone Index Annuity, and Reliance Guarantee.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1907
Traces roots to 1907 as Central Standard Life; Illinois-domiciled, home office Schaumburg, IL.
Founded 1907 · AnnuityRatesHQ carrier research
Group
Tokio Marine
Member of Tokio Marine Group via Delphi Financial Group (intermediate parent).
Tokio Marine since 2012 · AnnuityRatesHQ carrier research
Admitted assets
$27.2B
Total admitted assets of $27.192B at year-end 2024 (RSL statutory-basis statements), up 17.0% from 2023.
Year-end 2024 · RSL statutory-basis financial statements (2024)
AM Best
A++ (Superior)
A++ Financial Strength Rating from AM Best - the highest of fifteen categories.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
History highlights
Founded in 1907 as Central Standard Life Insurance Company in Chicago, Illinois.
Founded 1907 · AnnuityRatesHQ carrier research
Renamed Reliance Standard Life Insurance Company in 1965 and became part of Delphi Financial Group in 1987.
1965 / 1987 · AnnuityRatesHQ carrier research
In 2012, Delphi Financial Group joined Tokio Marine Holdings, placing Reliance Standard within the global Tokio Marine Group; the company reports A++ (AM Best), A+ (S&P), and A1 (Moody's) financial strength ratings in current materials.
Tokio Marine since 2012 · AnnuityRatesHQ carrier research
A century-old carrier within Tokio Marine Group
The company was founded in 1907 as Central Standard Life Insurance Company in Chicago, Illinois, and was renamed Reliance Standard Life Insurance Company in 1965.
Founded 1907 · AnnuityRatesHQ carrier research
Reliance Standard became part of Delphi Financial Group in 1987. In 2012, Delphi Financial Group joined Tokio Marine Holdings, making Reliance Standard a member of the global Tokio Marine Group - a support and strength factor for the issuing carrier.
Tokio Marine since 2012 · AnnuityRatesHQ carrier research
Policyholder guarantees remain the obligation of Reliance Standard as the legal issuing carrier; Tokio Marine ownership provides institutional scale, capital resources, and integrated enterprise risk management rather than a direct guarantee of individual policies.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Financial strength
AM Best
CurrentA++
Superior financial-strength rating - the highest of fifteen AM Best categories; outlook stable.
Checked 2026-07-07
AnnuityRatesHQ carrier research; AM Best · current rating check
S&P Global
A+
Strong financial-strength rating - the fifth-highest of twenty-one S&P categories; per current company materials.
Checked 2026-07-07
RSL company-at-a-glance materials
Moody's
A1
Strong financial-strength rating - the fifth-highest of twenty-one Moody's categories; per current company materials.
Checked 2026-07-07
RSL company-at-a-glance materials
What makes Reliance Standard different
Top-tier financial strength
Reliance Standard carries AM Best's highest rating, A++ (Superior), supported by disciplined capital management and consistent surplus growth. AM Best attributes the rating to a very strong balance sheet and robust operating results; the outlook is stable.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
Tokio Marine backing, carrier continuity
Part of Tokio Marine Group since 2012 via Delphi Financial Group, Reliance Standard benefits from institutional capital and enterprise risk management integrated with Tokio Marine Holdings, while remaining the legal carrier standing behind its contracts.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
A broad retirement-services business
Retirement services - including individual and group fixed annuities - made up roughly three-quarters of 2024 premiums and the large majority of reserves, alongside a group employee-benefits business, giving the carrier scale and a growing balance sheet.
Year-end 2024 · RSL statutory-basis financial statements (2024)
Strong ratings, but not "risk-free"
Ratings and Tokio Marine ownership are genuine strengths, yet 2024 statutory filings show a large mortgage-loan allocation and elevated delinquency, impairment, and restructured-loan buckets. These are normal review areas for large insurers - context for an authoritative page, not a contradiction of the rating.
Year-end 2024 · RSL statutory-basis financial statements (2024)
About Reliance Standard
Reliance Standard Life Insurance Company is an Illinois-domiciled insurer that traces its roots to 1907 and is a member of Tokio Marine Group through Delphi Financial Group. It offers fixed and fixed indexed annuities through its retirement services business, with a home office in Schaumburg, Illinois and an administrative office in Philadelphia.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Reliance Standard carries an A++ (Superior) rating from AM Best and reports A+ from S&P and A1 from Moody's in current company materials. Product guarantees are backed by Reliance Standard's financial strength and claims-paying ability. Its annuity lineup spans the Reliance Accumulator and Keystone Index FIAs plus the Eleos and Reliance Guarantee fixed-rate products.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
Reliance Standard combines the Reliance Accumulator and Keystone indexed families with Eleos and Reliance Guarantee fixed-rate annuities, including state-specific versions where applicable.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Reliance Standard's current rate report
Compare Reliance Standard's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Reliance Standard corporate site — 2026-07-07
- AnnuityRatesHQ carrier research - Reliance Standard overview, Tokio Marine Group ownership via Delphi Financial, AM Best A++, 7-product current annuity lineup — Checked 2026-07-07
- RSL statutory-basis financial statements (2024) - admitted assets, surplus, retirement-services mix, investment-portfolio context — Year-end 2024
- Live product catalog (Reliance Accumulator 5/7/10 & Keystone Index FIAs; Eleos MVA/S&P & Reliance Guarantee MYGAs), rates, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026