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Best Guaranteed Annuity Rates

Reliance Accumulator 10

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Your annuity will earn interest based upon the allocation of your premium to one or more of the different Index Interest Strategies and/or the Fixed Interest Strategy. At time of withdrawal, surrender or election of a settlement option, your annuity value will be the greater of 
1) the Annuity Value—the sum of the Index Interest Strategies and the Fixed Interest Strategy, less early withdrawal charges, 
2) the premium paid less withdrawals and early withdrawal charges, or 
3) the Minimum Contract Value —the premium multiplied by the non-forfeiture rate (87.5%) accumulated annually at the non-forfeiture interest rate. 
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
4.5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
9% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
57% Participation
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Monthly average
9.25% Cap
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
205% Participation
1-Year S&P MARC 5% ER PTP Participation Rate with Spread
Point to Point
225% Participation
1% Spread

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 8% 7% 6% 5% 4% 3% 2% 1% 1%