Fixed index annuity review and rates

Keystone 10 Index Annuity

The Keystone 10 Index Annuity is a fixed indexed annuity with a 10-Year surrender charge period offering multiple index accounts and one traditional fixed account.
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
4.4% Fixed
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Monthly average
9.25% Cap
1-Year S&P 500 PTP Cap
Point to Point
9% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
38% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%
Reliance Standard Life Insurance Company
Founded: 1907
A.M. Best: A++
S&P: A++
Moody's: A2
Carrier details
Free withdrawal
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
Types of funds
Non-Qualified, IRA, Pension, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and TSP