Reliance Standard Secure Growth & Income Annuity – Stability with Income Potential
At Diversified Insurance Brokers, we focus on helping clients find annuities that offer both security and strategic growth. The Reliance Standard Secure Growth & Income Annuity, issued by Reliance Stnadard Insurance Company, does exactly that—combining a guaranteed fixed rate with the option to add an income rider for steady lifetime payouts.
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Key highlights include:
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A strong, guaranteed interest rate for a defined accumulation period
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Optional income rider to convert your savings into guaranteed retirement funds
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Built-in principal protection with zero market exposure
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Tax-deferred growth to enhance accumulation
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Flexible withdrawal options, subject to contract terms
Backed by the solid financial foundation of Reliance Standard Life, this annuity offers peace of mind for conservative savers and retirees. With access to over 75 top-rated carriers, Diversified Insurance Brokers can show you how this product compares to other fixed annuities—and help determine if it fits your retirement income goals.
Want a safe accumulation backed by potential income? Let’s connect.
Diversified Insurance Brokers works with over 75 carriers, including Reliance Standard Life. We’ll help you evaluate fixed rates, optional income riders, and how this annuity can serve your retirement plan.
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 Secure Growth & Income Annuity
What is the Reliance Standard Secure Growth & Income annuity?
Secure Growth & Income is a fixed indexed annuity designed to provide long-term accumulation potential with downside protection, along with the option for lifetime income through an income rider. It blends market-linked crediting strategies with the stability of a fixed-interest alternate.
How does Secure Growth & Income credit interest?
You can allocate premium among fixed-interest and index-linked crediting strategies. Indexed strategies credit interest based on external index performance according to contract caps, participation rates, or spreads. If the index performs poorly, your principal remains protected — no losses due to market downturns.
Is a fixed-interest option available?
Yes. In addition to index-linked options, the annuity offers a fixed-interest segment that earns a declared guaranteed rate for those preferring a stable, predictable return instead of index variability.
Are withdrawals or liquidity options allowed?
Yes. Secure Growth & Income typically allows penalty-free withdrawals up to a specified percentage (often 5–10%) of account value each contract year after the first. Withdrawals or surrender beyond that allowance during the surrender period may incur surrender charges or market-value adjustments.
Is there a lifetime income option?
Yes. The annuity offers an optional lifetime income rider (for an additional fee) that establishes an income benefit base. When activated, it provides guaranteed periodic withdrawals — regardless of subsequent market performance — for one or two lives, depending on your selection.
Is my principal protected from market losses?
Absolutely. As a fixed indexed annuity, Secure Growth & Income ensures that your original premium and any credited interest are protected from market downturns. Negative index performance simply results in no credited interest, not a loss of account value.
What surrender charge period applies?
The contract includes a multi-year surrender charge schedule that gradually declines over time. Full surrender or withdrawals beyond the free allowance during this period may trigger surrender charges and, if applicable, a market-value adjustment.
Who is Secure Growth & Income best suited for?
This annuity is well suited for individuals who want a combination of protection and growth — those planning for retirement who like the upside potential tied to index performance, but also value principal safety and may want guaranteed lifetime income later.
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.
