Multi-Choice Annuity
Reliance Standard
50
States
A fixed deferred annuity that lets you customize your withdrawal strategy while locking in guaranteed interest rates for 3, 5, or 7 years. Designed for investors who want control over when and how they access their money.
Available In
50 states
Min Premium
$15,000
Surrender
7 years
Key Features
Rate Guarantee Periods
3, 5, or 7 yearsYour interest rate is locked in for your chosen period, then automatically renews
Customizable Withdrawal Options
4 options to choose fromPick the withdrawal strategy that fits your lifestyle: no withdrawals, interest-only, 10% annual access, or 10% annual with principal guarantee
Surrender-Charge Free Access
Multiple qualifying eventsWithdraw without penalties for qualifying events including nursing home stays, terminal illness, required minimum distributions, and death
Guarantee of Principal (Optional)
Optional rider availableEnsures your payout will never be less than the total premium you paid, even if market conditions change
Premium Range
$15,000 to $1,000,000Flexible investment amounts with the ability to add more within the first 90 days
Market Value Adjustment
Applied to surrenders with charges (not available in California)Adjusts your surrender value based on interest rate changes since the start of your current period
Highlights
Choose your own withdrawal strategy with four different optional provisions to match your income needs
Flexible 3, 5, or 7-year rate guarantee periods that automatically renew with new surrender-charge periods
Surrender-charge free access to funds for qualifying life events like nursing home residency, terminal illness, and required minimum distributions
Optional Guarantee of Principal ensures your payout never falls below your total premium paid
Surrender Schedule
Yr 1
9.4%
Yr 2
8.5%
Yr 3
7.5%
Yr 4
6.5%
Yr 5
5.5%
Yr 6
4.5%
Yr 7
3.5%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Conservative investors who want guaranteed interest income with flexibility to customize their withdrawal strategy and access funds for life events without penalties.
Consider Alternatives If
Investors who need immediate access to their money without restrictions, those seeking high growth potential, or people under 59½ who may incur IRS penalties on early withdrawals.
Carrier Ratings
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