• Written By
    Sheena Zimmermann, M.Ed.

    Sheena Zimmermann, M.Ed.

    Financial Writer

    As a professional who values lifelong learning, Sheena Zimmermann joined the Annuity.org team with a deep commitment to connecting readers with resources designed to improve their financial literacy and strengthen their financial health.

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  • Edited By
    Emily Miller
    Emily Miller, Managing Editor for Annuity.org

    Emily Miller

    Managing Editor

    Managing editor Emily Miller is an award-winning journalist with more than 10 years of experience as a researcher, writer and editor. Throughout her professional career, Emily has covered education, government, health care, crime and breaking news for media organizations in Florida, Washington, D.C. and Texas. She joined the Annuity.org team in 2016.

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  • Updated: August 11, 2023
  • 4 min read time
  • This page features 8 Cited Research Articles
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Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make Annuity.org an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on Annuity.org.

Annuity.org carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Annuity.org. Additionally, Annuity.org operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.

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 the expansion and improved service for 40,000 new applications in its first two years.

According to the 2022 Summary of Operations Report, Reliance Standard has over $92 million in annuity benefits. As of June 30, 2022, Reliance Standard’s net income is almost $250 million.

“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.”

Current Reliance Standard annuity customers can reach out to the following number for support:


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+
Moody’s: A2

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 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.”

Annuity rates on a phone

Purchase an Annuity Today

Learn how an investment today can provide guaranteed income for life.

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.

If you have an annuity with Reliance Standard, you can log into your account at:

Reliance Standard’s Account Login Page

About Annuity.org

Annuity.org has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, Annuity.org is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: August 11, 2023