Carrier News: RSL - Interest Rate Change, Effective 7/30

Interest Rate Change, Effective July 30th

In order to receive a 45-day rate lock** on transfer and exchange business, paperwork must be received by Reliance Standard no later than Thursday, July 29th.

For a PDF version of this rate bulletin, please click here (this link will be available for 30 days.)

The Keystone Index Annuity
Product	New Rates	Old Rates	Change
Keystone-5*
Annual Pt-to-Pt Cap	4.50%	4.50%	No Change
Annual Pt-to-Pt Participation Rate	25.00%	25.00%	No Change
Annual Monthly Average Cap	5.00%	5.00%	No Change
Annual Monthly Average Participation Rate	35.00%	35.00%	No Change
Fixed Interest Rate	2.75%	2.75%	No Change
Keystone-7*
Annual Pt-to-Pt Cap	5.00%	5.00%	No Change
Annual Pt-to-Pt Participation Rate	30.00%	30.00%	No Change
Annual Monthly Average Cap	5.50%	5.50%	No Change
Annual Monthly Average Participation Rate	40.00%	40.00%	No Change
Fixed Interest Rate	2.85%	2.85%	No Change
Keystone-10*
Annual Pt-to-Pt Cap	5.00%	5.00%	No Change
Annual Pt-to-Pt Participation Rate	30.00%	30.00%	No Change
Annual Monthly Average Cap	5.50%	5.50%	No Change
Annual Monthly Average Participation Rate	40.00%	40.00%	No Change
Fixed Interest Rate	2.95%	2.95%	No Change

Traditional Bonus Annuity
Product	New Rates Base + Bonus / Base	Old Rates Base + Bonus / Base	Change Base + Bonus / Base
Eleos-MVA	3.90% / 3.15%	3.90% / 3.15%	No Change
Eleos-SP	3.90% / 3.15%	3.90% / 3.15%	No Change
Apollo-MVA	3.55% / 3.05%	3.95% / 3.20%	-0.25% bonus/ -0.15% base
Apollo-SP	3.55% / 3.05%	3.95% / 3.20%	-0.25% bonus/ -0.-15% base
Argus2000-MVA	3.40% / 3.40%	3.40% / 3.40%	No Change
Argus2000-SP	3.40% / 3.40%	3.40% / 3.40%	No Change


Multi-Year Guarantee Rates
Product	New Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+	Old Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+	Change Guar Rate 1st Yr/ Guar Rate Yrs 2+
Elektra-579
Five Year Guarantee**	3.00% / 3.00%	3.00% / 3.00%	No Change

SPIA Factor Changes	New Rate (No Changes)	Old Rate
5 Year Period Certain	16.80	16.80
6 Year Period Certain	14.29	14.29
7 Year Period Certain	12.54	12.54
8 Year Period Certain	11.22	11.22
9 Year Period Certain	10.22	10.22
10 Year Period Certain	9.44	9.44

*Effective 7/1/2010 through 9/30/2010, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.15%. The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.50% for the Keystone-5, and 100% of premium at 2.00% for the Keystone-7 and Keystone-10.)

Effective 7/1/2010 through 9/30/2010, the minimum guaranteed rate for all Apollo and Eleos contracts will be 2.00%.

**Rate Lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange.

For more information contact:
Reliance Standard Life Insurance Company
(800) 351-7500
Amy ext 3948, Todd ext 4749, Katelyn ext 4765
www.reliancestandard.com

This email is being sent to jesse@schaeferfinancialgroup.com.

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Friday, July 23, 2010

RSL - Interest Rate Change, Effective 7/30