New product offers multiple interest strategies designed to protect retirement savings from market volatility

Reliance Standard Life Insurance Company has introduced a new annuity product for use by individuals seeking to preserve capital and generate steady returns. The Reliance Accumulator™ is a fixed index annuity product that builds on the success of Reliance Standard’s legacy Keystone Index annuity, which will continue to remain available.

The Reliance Accumulator offers five (5), seven (7) and ten (10) year durations, a fixed interest strategy and five (5) index interest strategies based on two specific indices from Standard and Poor’s.

Similar to the Keystone, the product will offer three (3) index interest strategies tied to the S&P 500®:

1. Annual Point to Point Capped
2. Annual Point to Point Participation Rate, and
3. Annual Monthly Average Capped.

The Reliance Accumulator will also offer two (2) index strategies tied to the S&P MARC (multi-asset risk control) 5% ER index: 1) Annual Point to Point Participation Rate; and 2) Annual Point to Point Spread Strategy.

“The increase in S&P 500® index volatility over the last few years has been challenging for many of our clients and partners,” said David Whitehead, Senior Vice President of Sales and Marketing for Reliance Standard’s Retirement Services business. “So we decided to prioritize adding a volatility control index to our menu of index interest strategies.”

According to Whitehead, the S&P MARC 5% ER Index met multiple requirements. Among them, the new index:

• Is sponsored by Standard and Poor’s to ensure stability and diversity
• Uses a volatility control strategy to ensure more predictable hedge costs
• Offers diversification through exposure to equities (S&P 500®), commodities (gold) and fixed income instruments (10 year Treasury)

In addition to offering a participation rate index interest strategy, Reliance Standard will offer a higher participation rate strategy with a spread that will then be deducted to calculate the index interest amount. Because the index manages volatility to 5% daily, Reliance Standard will rate lock the MARC 5% participation rate and spread strategies for exchanges and transfers.

As we transition to all electronic new business submissions to speed processing, all Reliance Accumulator applications must be submitted electronically via Firelight, Annuity Net or Affirm,

For more information, contact Reliance Standard Retirement Services Sales at annuity.marketing@rsli.com or 800-435-7775 (x3696)

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Reliance Standard offers a portfolio of traditional fixed and indexed annuities to individuals seeking to preserve capital and retirement income with guaranteed returns. We 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.

Rated A++ (Superior) by A.M. Best and A+ (Strong) by Standard & Poor's, Reliance Standard was founded in 1907.

Insurance products and services are offered by Reliance Standard Life Insurance Company in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. Home Office: Schaumburg, IL. Product availability and features may vary by state. Reliance Standard does not offer legal, investment, or tax advice. Each client has specific needs which should be discussed with a qualified legal or tax advisor.

Reliance Standard is a proud member of the Tokio Marine Group. Tokio Marine Holdings, Inc., the ultimate holding company of the Tokio Marine Group, operates in the property and casualty insurance, reinsurance and life insurance sectors globally. The Group’s main operating subsidiary, Tokio Marine & Nichido Fire (TMNF), was founded in 1879 and is the oldest and leading property and casualty insurer in Japan.

The S&P 500 is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Reliance Standard. Standard & Poor’s^® and S&P^® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Reliance Standard. Reliance Standard annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500.

The S&P MARC (Multi-Asset Risk Control) 5% ER Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Reliance Standard. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Reliance Standard. Reliance Standard annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P MARC (Multi-Asset Risk Control) 5% ER Index.

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