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Keystone 5

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The Keystone 5 Index Annuity is a fixed indexed annuity with a 5-Year surrender charge period offering multiple index accounts and one traditional fixed account. The initial premium may be allocated among the individual strategies available with a minimum of $5,000 per strategy. 

On each contract anniversary, you may reallocate your annuity value among the strategies then available so long as you notify the company at least two weeks before each contract anniversary of such reallocation. The minimum amount you may reallocate is $5,000 and $5,000 must remain in any one strategy. Reallocation will be subject to the available strategies at that time. 
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
Fixed Index
Purpose Accumulation
5 Years
Surrender schedule
Free withdrawal
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and TSP
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Find out if the Keystone 5 is the right product for you.

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

  • 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

Allocation Accounts

Name Type Rates
1-Year Fixed Account
5.2% Fixed
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Monthly average
11.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
11% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
60% Participation

Surrender schedule

Year 1 2 3 4 5
Penalty 9% 8% 7% 6% 5%


No Riders for Keystone 5 annuity.



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.

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