Reliance Standard Reliance Guarantee 5 – Guaranteed Growth and Flexible Liquidity for Retirement
At Diversified Insurance Brokers, we specialize in helping individuals secure guaranteed growth, tax-deferred accumulation, and financial stability through customized annuity solutions. The Reliance Standard Reliance Guarantee 5 Fixed Annuity is a straightforward and dependable product designed for individuals seeking principal protection, predictable returns, and flexible liquidity—all within a 5-year guaranteed interest rate period.
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Why Consider the Reliance Guarantee 5 Fixed Annuity?
This fixed annuity provides a guaranteed interest rate for five years, giving contract holders a clear path toward stable, tax-deferred growth. It’s an ideal option for conservative investors, pre-retirees, or retirees who want to avoid market volatility but still earn a competitive return on their savings. With penalty-free access to funds in key situations, it also provides essential flexibility.
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Key Features at a Glance
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Guaranteed fixed interest rate for 5 years, offering predictable returns without exposure to market risk.
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Penalty-free withdrawals of up to 10% annually, allowing access to funds while preserving long-term accumulation.
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Nursing home and terminal illness waivers, providing added peace of mind if unexpected health conditions arise.
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Nursing home care waiver offers additional liquidity for qualifying long-term care needs.
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Flexible end-of-term options, including the ability to renew, take penalty-free withdrawals, or annuitize for income.
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Guaranteed death benefit, ensuring that beneficiaries receive the full accumulation value without reduction.
At the time of publication of this article, the Reliance Guarantee 5 offers a highly competitive fixed rate—making it an attractive choice for individuals looking to lock in returns during uncertain market conditions.
This product is especially well-suited for clients rolling over a retirement account, such as a 401(k) or IRA, into a fixed annuity that provides certainty and control. If you’re nearing retirement or simply want a portion of your portfolio shielded from market ups and downs, this 5-year fixed annuity may be a perfect fit.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Reliance Standard Guarantee 5
What is the Reliance Standard Guarantee 5 annuity?
Guarantee 5 is a multi-year guaranteed annuity (MYGA) that locks in a fixed interest rate for five years. It is designed for conservative savers who want guaranteed growth with no stock market exposure.
How long is the surrender charge period?
The contract uses a five-year surrender charge schedule that aligns with the five-year guarantee period. Withdrawing more than the penalty-free amount during this time can trigger surrender charges.
How is interest credited on Guarantee 5?
Interest is credited at a fixed rate declared when you purchase the contract. That rate stays the same for the full five-year period and compounds on a tax-deferred basis.
Does Guarantee 5 offer penalty-free withdrawals?
Yes. Most contracts allow you to withdraw up to a stated percentage of your contract value each year without surrender charges, starting after the first contract year.
Is there a market value adjustment (MVA)?
Some versions of Guarantee 5 may include an MVA. When applicable, the MVA can increase or decrease your surrender value if you take larger withdrawals or surrender before the end of the five-year period.
Can I use IRA or rollover money in this annuity?
Yes. Guarantee 5 can typically be funded with qualified money such as IRA or 401(k) rollover funds, as well as with non-qualified savings.
What happens at the end of the five-year guarantee period?
At maturity, you can usually withdraw your full value without surrender charges, move the funds into another annuity, or renew into a new guarantee period if available at that time.
Is my principal protected in Guarantee 5?
Yes. As a fixed annuity, your premium and credited interest are guaranteed by the issuing insurance company if you follow the contract terms and hold it through the guarantee period.
Are there any ongoing policy fees?
No. Guarantee 5 does not typically charge ongoing maintenance or policy fees. The main potential costs are surrender charges and any MVA applied to early withdrawals.
Who is Reliance Standard Guarantee 5 best suited for?
This annuity is a good fit for individuals looking for a CD-like alternative with tax-deferred growth, a guaranteed rate for five years, and stronger long-term accumulation potential than many short-term bank products.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
