Eleos MVA
Reliance Standard
5%
5-yr guarantee
10%
Free W/D
47
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
5% guaranteed for 5 years
A five-year multi-year guaranteed annuity from a top-rated carrier with a flat-fixed credited rate, an annual free-withdrawal allowance, and a market value adjustment — the MVA variant of the Eleos family.
Best fit
Buyers who want a five-year declared-rate safety product backed by a top-rated carrier, can hold to surrender expiry to avoid the MVA, and want the higher of the two Eleos filings' credited rates in exchange for accepting MVA exposure.
AM Best
A++ Superior
Surrender period
5 years
Free withdrawal
10%/yr
Availability
47 jurisdictions
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.
- Flat-fixed rate for the full guarantee period — no teaser-rate-then-step-down pattern; the credited rate is what buyers earn each year through surrender expiry.
- Annual free-withdrawal allowance — penalty-free liquidity is available each contract year; the exact allowance is shown on this page rather than buried in a brochure.
- Nursing-home waiver is part of the surrender-charge schedule, so a qualifying medical event lets the contract be accessed without the standard penalty.
What to confirm
- This filing carries a market value adjustment (MVA). If interest rates rise after issue, surrendering early would apply both the surrender charge and a downward MVA — the realized cash value can be meaningfully below the credited account balance until the surrender period ends. The sibling Eleos SP filing is the same product without an MVA, in exchange for a lower credited rate; compare both before choosing.
- Eleos MVA and Eleos SP are sibling filings with mostly-overlapping state availability. The state list shown on this page is the MVA filing's actual availability, not the union of both — buyers in states excluded from this filing should check the Eleos SP page.
- Free-withdrawal beyond the annual allowance is subject to surrender charges and the MVA — plan around the schedule before treating this contract as liquid.
- 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 market-linked upside, an income rider, or a no-MVA filing — Eleos MVA's sibling Eleos SP is the same product without an MVA at a lower credited rate; pick the filing that fits the deferral risk profile.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 5-Year | 5% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
1Nursing home waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
After
0%
Nursing home waiver, Surrender waivers
Carrier Ratings
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