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Fixed Indexed Annuity

Keystone Index Annuity

Reliance Standard

10%

Best Cap

10%

Free W/D

51

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

10% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

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 period

10 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10% cap rate

S&P 500

S&P 500 Index

10.5% cap rate

S&P 500

S&P 500 Index

56% participation rate

Fixed Account

Fixed Account

4.8% declared rate

Product analyst notes

How to think about this contract

Why it can stand out

  • Issued by a top-rated carrier — Reliance Standard's A.M. Best financial-strength rating is shown on this page so buyers can read the carrier strength view rather than rely on a single-source claim.
  • Multiple crediting routes on the S&P 500 — buyers can choose between an annual point-to-point cap, a monthly-sum cap, or a participation-rate strategy, so the contract supports more than one accumulation philosophy.
  • Free-withdrawal allowance and the full surrender ladder are visible on this page, so the schedule of penalty-free liquidity and surrender charges is not gated behind a sales brochure.
  • Nursing-home and terminal-illness waivers are part of the surrender-charge schedule, so a qualifying medical event lets the contract be accessed without the standard penalty.

What to confirm

  • This contract is NOT a lifetime-income product. There is no GLWB rider and no Protected Income Value — do not compare its accumulation numbers side-by-side with a rider-led product expecting a guaranteed withdrawal rate at age 65.
  • Several premium bands appear in the rate sheet; the cap rate that actually applies depends on the premium tier selected at issue, so the headline cap is the best available, not the only one.
  • Monthly-sum cap strategies are shown alongside annual point-to-point. Monthly-sum caps look generous on the headline but credit per-month with an annual aggregate, and have historically produced a wider range of realized credits than their headline implies — read each strategy on its own terms.
  • Issue-age bounds and contract minimums are not always fully shown on this page — confirm eligibility and premium minimums with the carrier before purchase.

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.

All crediting strategies

View rate listings (8 rows)

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: 56% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 10.5% · 1-yr

S&P 500 Index

monthly_avg_cap

10-yr surrender

Cap: 10% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4.8% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 56% · 1-yr

S&P 500 Index

Cap: 10.5% · 1-yr

S&P 500 Index

Cap: 10% · 1-yr

S&P 500 Index

Fixed: 4.8% · 1-yr

Fixed Account

Income riders

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.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 3.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

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

Documents

product guide

EF-1885-NR.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA++
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Keystone Index Annuity currently shows 4 distinct indexed or fixed crediting choices across 8 current rate listings, including S&P 500 Index and Fixed Account. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10% cap
  • S&P 500 Index: 10.5% cap
  • S&P 500 Index: 56% participation

Liquidity terms

Why access rules deserve as much attention as rates

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.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

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.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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