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Reliance Standard is an insurance company that provides traditional fixed and fixed index annuities with guaranteed returns. The company also specializes in financial protection, absence management and health benefits to employer groups.

Reliance Standard Logo

Reliance Standard issues annuities and insurance products in the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam and 49 out of 50 U.S. states. In the state of New York, products and services are provided by the First Reliance Standard Life Insurance Company.

According to Reliance Standard, they “earn clients’ trust by maintaining a strong balance sheet, a sound, diversified investment strategy and the partnership of a nationwide network of institutions and advisors skilled in helping individuals achieve their retirement savings goals.”

About Reliance Standard

Reliance Standard Life Insurance Company, referred to as Reliance Standard, was founded in 1907.
It is a member of the Tokio Marine Group which has Tokio Marine Holdings Inc., as its holding company. These groups are listed on the Tokyo Stock Exchange and incorporated in Japan.

In 2021, Reliance Standard received the Novarica Impact Award for its business and policy administration platform. This new technology was recognized for its contributions to retirement services, as it supported expansion and improved service for 40,000 new applications in its first two years.

“We have traditionally written our success story through a commitment to delivering superior customer service,” said Kyle Ryan, vice president of Retirement Services Operations at Reliance Standard. “Through collaboration with our vendor partner, FAST Technology, and our IT & Operations leadership, we have been able to deliver on our goals and build a strong foundation for continued growth.”

Credit Ratings

Exhibiting financial strength is one way annuity companies can build consumers’ trust. Credit agencies evaluate the providers and assign credit ratings as a means of scoring the companies’ ability to cover their financial obligations.

Reliance Standard Credit Ratings
Credit Rating
AM Best:A++
S&P Global Ratings:A+

Annuity Products Offered by Reliance Standard

Reliance Standard offers annuity products with guaranteed return rates to help annuity owners preserve capital and retirement income. Keep in mind that annuity product availability may vary by state.

Fixed Annuities

Traditional fixed annuities provide guaranteed growth with tax-deferred earnings. This annuity type appeals to those who wish to protect their retirement savings.

Reliance Standard’s products include:
Single Premium Deferred Annuity with Market Value Adjustment Provisions
Single Premium Deferred Annuity
Single Premium Deferred Annuity with Market Value Adjustment Provisions
Single Premium Deferred Annuity

Fixed Index Annuities

Fixed index annuities earn interest linked to a certain market index, like the Standard & Poor’s 500 (S&P 500). These products also offer premium protection, so the money you use to buy the annuity is protected if the market experiences a downturn.

Reliance Standard issues the Keystone Index annuity, which allows you to choose from one of the Index Interest Strategies or Fixed Interest Strategy. According to Reliance Standard, “the annuity also provides a guarantee that your premium, less withdrawals, will earn interest at a guaranteed minimum rate over the length of the contract.”

Interested in Buying an Annuity?
Learn about the different types of annuities and find out which one is right for you.

Client Resources

Clients can use Reliance Standard’s secure online self-service platform to check insurance coverage approvals, claims status and annuity value.

Annuity owners can access important Reliance Standard forms online, including:
  • Financial Change Form
  • Non-Financial Charge Form
  • Request for Scheduled Annuity Payments
  • Lost Policy Affidavit
  • Annuity Death Claim Forms

For consumers who prefer one-on-one customer service, the company also has a Customer Care Center and regional service offices.

Reliance Standard funds the Delphi Project Foundation, which the Pennsylvania Department of Community and Economic Development recognizes as an Educational Improvement Organization. The Foundation’s programs bring arts education and career training programs to underserved youth in Philadelphia during and after school hours.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: August 6, 2021

7 Cited Research Articles

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  1. Aite-Novarica Group. (2021, July 13). Reliance Standard Selected by Insurer CIOs for Novarica Impact Award. Retrieved from https://novarica.com/reliance-standard-selected-by-insurer-cios-for-novarica-impact-award/
  2. Moody’s. (2020, September 15). Announcement of Periodic Review: Moody’s announces completion of a periodic review of ratings of Reliance Standard Life Insurance Company. Retrieved from https://www.moodys.com/research/Moodys-announces-completion-of-a-periodic-review-of-ratings-of--PR_429597
  3. Reliance Standard. (n.d.). Customer Care. Retrieved from https://customercare.rsli.com/Default.aspx/
  4. Reliance Standard. (n.d.). Fixed Index Products. Retrieved from https://www.reliancestandard.com/broker/products/annuities/fixed-index-products/
  5. Reliance Standard. (n.d.). Giving Back to the Community. Retrieved from https://www.reliancestandard.com/home/about-us/giving-back-to-the-community/
  6. Reliance Standard. (n.d.). Traditional Fixed Annuity Products. Retrieved from https://www.reliancestandard.com/broker/products/annuities/traditional-multi-year-products/
  7. Reliance Standard. (n.d.). Who We Are. Retrieved from https://www.reliancestandard.com/home/about-us/who-we-are/