Eleos SP
Reliance Standard
4.85%
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
4.85% 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 no market value adjustment — the no-MVA variant of the Eleos family.
Best fit
Buyers who want a five-year declared-rate safety product backed by a top-rated carrier and value certainty over yield — accepting a lower credited rate in exchange for no MVA exposure during the surrender period.
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.
- No market value adjustment — surrendering during the surrender period applies the surrender charge only, with no additional rate-change penalty. This is the no-MVA filing in the Eleos pair.
- 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.
What to confirm
- The credited rate on this no-MVA filing is lower than the sibling Eleos MVA filing — that gap is the price of removing MVA exposure. Compare the two pages and pick the trade-off that fits the holding plan.
- Eleos SP and Eleos MVA are sibling filings with mostly-overlapping state availability. The state list shown on this page is the SP filing's actual availability, not the union of both — buyers in states excluded from this filing should check the Eleos MVA page.
- Free-withdrawal beyond the annual allowance is subject to surrender charges — 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 want the higher-yield filing in the Eleos pair and can hold to surrender expiry — the sibling Eleos MVA carries a higher credited rate in exchange for MVA exposure.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 5-Year | 4.85% |
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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