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Reliance Accumulator 5

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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
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, IRA, IRA Rollover, IRA Transfer, IRA-Roth, Inherited IRA, and TSP
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Find out if the Reliance Accumulator 5 is the right product for you.

Premium Notes

Minimum Value
Your annuity contract provides a minimum value equal to 100% of the premium paid, less withdrawals and early withdrawal penalties or if greater, 87.5% of your premium, less withdrawals accumulated at the nonforfeiture rate. In either case, the minimum guaranteed value will be reduced by any applicable premium tax.

  • 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

Penalty-free Access 
You can withdraw up to 10% of your premium paid in the first year, and after the first year, up to 10% of the annuity value each year with no surrender charges. Withdrawals may be taken either as a lump sum or spread throughout the Contract Year. Systematic withdrawals may only be taken from the Fixed Interest Strategy. No more than one Penalty Free Withdrawal request may be made during any Contract Year. The amount of each request must be at least $500. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
4.95% Fixed
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
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Monthly average
11.5% Cap
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
215% Participation
1-Year S&P MARC 5% ER PTP Participation Rate with Spread
Point to Point
235% Participation
1% Spread

Surrender schedule

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


No Riders for Reliance Accumulator 5 annuity.


Nursing Home

To access your funds if the annuitant is confined to a qualified nursing home or hospital, the annuitant must: 1) Be admitted to a qualified nursing facility after the contract issue date and remain confined to the qualified facility for 90 consecutive days. 2) The annuitant must have been age 74 or younger when your contract was issued. If both of the conditions above are met, the owner may withdraw up to 25% of the annuity value penalty-free in each year that the annuitant remains confined to a qualified nursing home or hospital. The nursing home waiver does not include home health care.

Terminal Illness

You may access your entire annuity value after the first contract year if the annuitant is diagnosed as having a terminal illness by a qualified physician and such diagnosis occurred after the contract issue date. 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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