Reliance Standard Keystone 5 Index Annuity overview
The Keystone 5 Index Annuity earns interest from the performance of a market index, yet your money is never invested in the market itself. When the index falls during a crediting period, the credit is zero rather than a loss.
Its best S&P 500 1-year point-to-point cap is currently 9.75% at a $100,000 premium, one of 4 crediting strategies on the contract. Every strategy's current terms are in the menu below.
The tradeoff is access and upside. Withdrawals above the free amount face a surrender charge for 5 years, and index credits are limited by caps, participation rates, or spreads.
Crediting strategy menu
These are the carrier's filed rates by premium band, refreshed automatically from our live feed. The Reference cap tag marks the strategy we use to rank this product against its peers.
| Strategy | Method | Rate terms | Premium | In force |
|---|---|---|---|---|
| 1 Year Fixed Interest Strategy | Fixed | Fixed 4.90% | $10K - $1M | Aug 4, 2026 |
| 1 Year Monthly Average - Capped | Monthly | Cap 10.25% | $10K - $1M | Aug 4, 2026 |
| 1 Year Point-to-Point - CappedReference cap | Point-to-point | Cap 9.75% | $10K - $1M | Aug 4, 2026 |
| 1 Year Point-to-Point - Participation Rate | Point-to-point | Participation 58% | $10K - $1M | Aug 4, 2026 |
Compare all fixed index annuity rates to see how these terms line up against every carrier in our live feed.
Getting your money out
The contract allows 10% out without a surrender charge.
The surrender charge starts at 9.00% in year 1 and steps down to 5.00% in year 5. Those charges apply to the amount you withdraw above the free allowance.
Who this fits
This contract fits money that can stay put for 5 years and a saver who wants a floor under a portion of retirement savings. It suits dollars that would otherwise sit in bonds or CDs but can accept a range of outcomes in exchange for more upside.
It does not fit an emergency fund or money with a known near-term spending date. A buyer who wants full market upside will find the caps and participation rates limit strong years, and withdrawals before age 59½ can carry a 10% IRS early withdrawal penalty on top of ordinary income tax.
Not sure this is the right fit? Take our annuity guide quiz and we will point you to the product types that match your timeline and your goal.
About Reliance Standard
Reliance Standard holds an A.M. Best financial strength rating of A++. An annuity's guarantees rest on the issuing carrier's claims-paying ability, and no annuity is FDIC insured.
The contract is currently filed in 51 states. Availability and product versions vary by state, so confirm your state before applying.
To see how Reliance Standard measures up on size, ratings, and product lineup, compare the top annuity companies we place business with.
For the company's history, ratings, and full product lineup, read our Reliance Standard annuity review.
Other Reliance Standard index annuities
Same carrier, different surrender terms and rate sheets. Caps shown are the best S&P 500 1-year point-to-point cap at a $100,000 premium, refreshed from the same live feed as this page.
| Product | Surrender | S&P 500 1-yr cap |
|---|---|---|
| Keystone 7 Index Annuity | 7 yrs | 10.00% |
| Keystone 10 Index Annuity | 10 yrs | 10.50% |
| Reliance Accumulator 5 | 5 yrs | 10.25% |
| Reliance Accumulator 7 | 7 yrs | 10.50% |
| Reliance Accumulator 10 | 10 yrs | 10.75% |
Frequently asked questions
What is the current cap on the Keystone 5 Index Annuity?
Its best S&P 500 1-year point-to-point cap is 9.75% at a $100,000 premium as of Aug 19, 2026. Carriers reprice caps regularly, so treat this as a snapshot of the current rate sheet rather than a permanent number.
How many crediting strategies does the Keystone 5 Index Annuity offer?
It currently offers 4 strategies across fixed, capped, participation, and trigger designs. Each strategy has its own current terms by premium band, listed in the strategy menu on this page.
Is my money locked up for 5 years?
Not locked, but charged. The contract allows 10% out without a surrender charge. Withdrawals above that allowance face the surrender schedule shown on this page.
How does the Keystone 5 Index Annuity compare to similar annuities?
It currently ranks #5 of 27 among 5-year & under fixed index annuities in our live carrier feed, ranked by S&P 500 1-year cap at a $100,000 premium. That standing refreshes automatically as carriers reprice.
Is the Keystone 5 Index Annuity FDIC insured?
No annuity is FDIC insured. Every guarantee in the contract is an obligation of Reliance Standard, which holds an A.M. Best financial strength rating of A++.
How we know what's on this page
Rates, terms & availability
Every number on this page comes from the carrier's filed rate sheets in our live rate feed, refreshed daily. Nothing is typed in by hand, so the figures update automatically when Reliance Standard reprices.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Peer standing
We rank each product's best S&P 500 1-year cap at a $100,000 premium against contracts with similar surrender periods in the same feed. Where a fact is not in the feed, the page leaves it out rather than estimating.
