Reliance Guarantee
Reliance Standard
5%
5-yr guarantee
10%
Free W/D
51
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 multi-year guaranteed annuity from a top-rated carrier with five, seven, and ten-year guaranteed terms, an annual free-withdrawal allowance, a market value adjustment, and a ten-year surrender schedule.
Best fit
Buyers who want a CD-style declared-rate safety product backed by a top-rated carrier, want to choose the deferral term to match their planning horizon, and can hold to surrender expiry to avoid the MVA.
AM Best
A++ Superior
Surrender period
9 years
Free withdrawal
10%/yr
Availability
51 jurisdictions (excl. New York)
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.
- Multi-term MYGA — guaranteed rates are published for five, seven, and ten-year terms, so buyers can match the deferral commitment to their planning horizon rather than being forced into a single term.
- 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 MYGA 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 displayed rate is the effective annual yield. The first-year rate and the guarantee-period rate are the same for this filing (flat-fixed structure with no teaser), but read the rate-by-term table — the longer-term rates carry a higher yield in exchange for a longer commitment.
- 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 true short-term liquidity — Reliance Guarantee is a declared-rate, surrender-bound MYGA with an MVA, not an FIA and not a liquid savings vehicle.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 5-Year | 5% |
| 7-Year | 5.2% |
| 10-Year | 5.3% |
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
7.5%
Yr 3
6.5%
Yr 4
5.5%
Yr 5
4.5%
Yr 6
3.5%
Yr 7
2.5%
Yr 8
1.5%
Yr 9
1%
Yr 10
0%
After
0%
Nursing home waiver, Surrender waivers
Carrier Ratings
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