Reliance Standard Life Insurance Company
4.7
based on complex data
Annuity Educator Rating
Annuity review

Keystone 7

The Keystone 7 annuity offers you a secure stream of income during your retirement years. It's designed to protect your hard-earned money with its reliable return. Plus, your investment grows tax-deferred!

With Keystone 7, the worry of running out of money in retirement fades away. You can have peace of mind, knowing your golden years will be filled with financial security and comfort. This annuity truly helps you enjoy your retirement.

Keystone 7-brochure Keystone 7-brochure

Keystone 7

Your Email

Compare this annuity with 800+ others from 100+ companies

$

No agent will call you

About Product

Type
Fixed Index
Purpose
Accumulation
Term
7 Years
Surrender schedule
9%
8%
7%
6%
5%
4%
3%
Fee withdrawal:
10%
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
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
Launch Date
10/01/2007
The Keystone 7 Index Annuity is a fixed indexed annuity with a 7-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
4.7% Fixed
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
10.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
54% Participation

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
See if this annuity ranks in your top 3 for Virginia
$
!

Riders

No Riders for Keystone 7 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

Similar Products

Protective Income Builder
Protective Income Builder
A+ 6.00%
Fixed Rate
2.80%
Term
7yrs
Retirement Plus Multiplier 10 with Income Multiplier GLWB
Retirement Plus Multiplier 10 with Income Multiplier GLWB
B++ 5.00%
Fixed Rate
3.00%
Term
10yrs
Symetra Stride
Symetra Stride
A 10.50%
Fixed Rate
3.85%
Term
10yrs
James Alden Experienced Annuity Educator
25 years experience
3,712 career consultations
4 slots free for today
scheduling.
Your Name
Your Phone
Thank you for your trust! I have received your contact information. Please wait for a call within 30 minutes. 😌