Reliance Standard Life Insurance Company
4.6
based on complex data
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Keystone 10

The Keystone 10 annuity is an excellent option for those seeking stable retirement money-flow. Invest with peace of mind knowing you'll have a guaranteed income for life.

Based on the brochure, the beneficial features like the 10-year surrender charge schedule and possibility of a death benefit make it a safe yet functional choice for your golden years.

Keystone 10-brochure Keystone 10-brochure

Keystone 10

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About Product

Type
Fixed Index
Purpose
Accumulation
Term
10 Years
Surrender schedule
9%
9%
8%
7%
6%
5%
4%
3%
2%
1%
Fee withdrawal:
10%
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, IRA, Pension, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and TSP
Launch Date
10/01/2007
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
Fixed
4.2% Fixed
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
10% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% 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%

Hypothetical Projection

Comparison against S&P 500 using current rates
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Riders

No Riders for Keystone 10 annuity.

Waivers

Hospital

Contact us to get more information about this waiver.

Nursing Home

To access your funds if you are confined to a qualified nursing home or hospital, the annuitant must: 1. Be admitted to a qualified nursing facility for at least one day following the end of your first contract year and remain confined to the facility for 90 consecutive days. 2. Have been age 74 or younger when your contract was issued. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: NJ

You may access your entire annuity value penalty-free in the event that, after your first contract year, you are initially diagnosed as having a terminal illness by a qualified physician. Terminal illness means a condition that is reasonably expected to result in death within twelve months. If you are not the annuitant, the annuitant must qualify in order for this benefit to apply.

Premium Notes

Premium Payment
Minimum Premium: $10,000 - ($5,000 minimum per strategy)
Maximum Premium without prior approval
Age 0-75: $1,000,000
Age 76-85: $500,000

Note: 
  • TSP funds have to be rolled into an IRA.
  • Reliance Standard only issues Inherited IRA annuity contracts under the following qualifications:
    1. The Beneficiary (new owner) must be the original (1st Generation) beneficiary of the deceased Traditional/SEP IRA Owner.
    2. The Beneficiary (new owner) must be age 65 or younger.
    3. The original Traditional/SEP IRA Owner’s Date of Death may be no more than five years from the application date.
    4. The original Traditional/SEP IRA Owner’s Date of Death must have occurred prior to January 1, 2020.

Withdrawal Provisions

Free Withdrawals You can withdraw up to 10% of your premium in the first year, and after the first year, up to 10% of the annuity value each year with no surrender charges. Withdrawals from any surrender index interest strategy must be taken in a lump sum. You may elect to have withdrawals from the Fixed Interest Strategy paid to you monthly starting in the first year, or taken as a lump sum. However, if your withdrawals exceed 10% of the annuity values in any contract year, surrender charges will apply to the excess amount withdrawn in that contract years. Systematic withdrawal Available on Fixed Account Strategy only

Company Founded: 1907
TOP Rated Company
Reliance Standard Life Insurance Company
Company Ratings
4.2
  • A.M. Best A++
  • S&P A+
  • Moody's A1
  • Comdex 91
Assets: $22,965,640,623
Illinois

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