Ratings last updated July 30, 2026
Reliance Standard Life is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of A++ (Superior).
AM Best assigns Reliance Standard Life a financial-strength rating of A++, which sits in its "Superior" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. An A++ is within AM Best's highest category, reflecting its assessment that the company has a superior ability to meet those obligations. Ratings can change; the rating shown here was last checked July 30, 2026.
Reliance Standard Life lists three fixed index annuities (FIAs) on AnnuaLife, its Accumulator and Keystone series. These products are covered in our fixed index guide rather than on individual detail pages. Caps and participation rates below are examples as of July 30, 2026 and vary by state.
| Product | Index | Cap | Participation | Minimum |
|---|---|---|---|---|
| Reliance Accumulator 10 | S&P 500 annual pt-to-pt | 11.25% | 62% | $20,000 |
| Keystone 10 Index Annuity | S&P 500 annual pt-to-pt | 11.00% | 60% | $10,000 |
| Reliance Accumulator 7 | S&P 500 annual pt-to-pt | 11.00% | 61% | $20,000 |
Fixed index annuities work differently from fixed-rate products. Learn how caps and participation rates shape your return in the fixed index annuity guide.
Reliance Standard holds an A++ rating, the highest financial-strength category AM Best assigns. On our board it lists fixed index annuities (the Accumulator and Keystone series) with caps in the 11% range. Those caps are not the highest on the board; some lower-rated carriers post higher caps. But you are getting AM Best's top claims-paying assessment behind the contract. It is a reasonable pick if a Superior rating is a priority for you.
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