Questions? 1.800.239.0356

X
1.800.239.0356
1.800.239.0356
Back to Top

Fixed Indexed Annuity Details

Keystone Index 10

Product Name

Keystone Index 10

Annuity Type

Fixed Indexed Annuity

Issuing Insurance Company and Ratings

A++
(1st of 15 ratings)
A+
(5th of 20 ratings)
A2
(6th of 21 ratings)
Not Rated
88
(percentile of rated companies)

Product Information

The Keystone Index 10 is a deferred fixed indexed annuity issued by Reliance Standard Life Insurance Company.

When your full premium deposit is allocated to the fixed interest account, the current first year yield (including bonus if applicable) is 2.10% (see Rate Details below).

You can also allocate your premium between 3 different strategy and index account options (see Index Account Options below). For complete details on index account options, including current cap and participation rates, please contact AnnuityAdvantage at 1.800.239.0356.

During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis. Beginning with the first contract year, and each year thereafter, this annuity provides up to 10% (noncumulative) of the contract value may be withdrawn from the annuity each contract year without penalty.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

Reliance Standard Life Insurance Company is rated “A++” by A.M. Best, was founded in 1907, and has over $17.3 billion in total assets.

Rate Details

Jun 2nd, 2021
Not Scheduled

Premium Amount: $10,000 - See Notes

Current
Fixed Account First Year Yield: 2.10%
Fixed Account Current Interest Rate: 2.10%
Fixed Account Guaranteed Minimum Interest Rate: 1.00%
Index Accounts - Annual Cap and Participation Rates:
S&P 500 – Point-to-Point Cap: 4.25%
S&P 500 – Participation Rate: 35.00%

Initial Surrender Charge and MVA Periods

10 years

N/A

10 years

State variations may exist, refer to product disclosure for details.

Policy Details

$10,000
$10,000
See Notes
See Notes
80
80
See Notes
No
Accumulation Value
No

Penalty Free Withdrawal Provisions

10%
10%
No
No
Death, Hospitalization, Nursing Home and Terminal Illness

See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  NY (as of 11/11/2020)

For MN and OR: Surrender charges reduced to 9 years for issue ages 60+

For NJ: Terminal Illness Rider not available.

Notes

Maximum Premium: $1,000,000 for issue ages 0-75 / $500,000 for issue ages 76-80

Rate Lock on Transfers: 45 days – does not apply to to the Participation Rate Strategy