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Fixed Indexed Annuity

AccumRev FIA

Revol One Financial

10.5%

Best Cap

10%

Free W/D

45

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap rate

10.5% cap on S&P 500

A ten-year-surrender no-bonus fixed indexed annuity from Revol One Financial that publishes the highest current S&P 500 cap in the carrier's FIA lineup — the pure-accumulation play that doesn't pay for a premium bonus or income tilt via tighter ongoing rates — across recognizable and volatility-controlled indexes with a broad multi-state footprint excluding California, Montana, New Mexico, New York, Vermont, and West Virginia.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers in one of the available states who want the highest current S&P 500 cap in Revol One's lineup, are willing to commit to a full ten-year surrender ladder, and prefer richer ongoing crediting over a day-one premium bonus or a marketing-led income tilt.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

45 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.5% cap rate

S&P 500

S&P 500 Index

50% participation rate

S&P 500

S&P 500 Index

75% participation rate + 5% spread

S&P 500

S&P 500 Index

10% cap rate

S&P 500

S&P 500 Index

10% cap rate

Fixed Account

Fixed Account

4.8% declared rate

+ 5 volatility-controlled index options (S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Highest current S&P 500 annual cap rate in Revol One Financial's FIA lineup — meaningfully above the Enduris 10, BonusRev, Enduris 10 Bonus, and Enduris 10 Income siblings. This is the pure-accumulation play in the carrier's shelf, with no premium bonus and no income tilt to pay for via tighter caps.
  • Multi-year guaranteed cap rates are published for longer horizons on both the S&P 500 and the S&P 500 Dynamic Intraday TCA indexes, letting a buyer lock in a known cap floor for the bulk of the surrender term rather than carrying full annual-reset risk for the entire surrender period.
  • Two index families are supported — the recognizable S&P 500 and the proprietary S&P 500 Dynamic Intraday TCA volatility-controlled index — and each is offered in both cap and participation designs, including a spread-bearing high-participation variant for a buyer who wants the highest upside in exchange for a published spread.
  • Broad multi-state filing footprint covers most of the country, with state-by-state exclusions published on the page so a buyer in an unavailable state is routed to a sibling filing rather than seeing rates they cannot actually purchase.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached — the live feed shows an empty income-rider list — and the only contract-level enhancements are surrender-charge waivers (nursing home, terminal illness, RMD). Do not compare its payout side-by-side with a rider-led income FIA.
  • There is no premium bonus on this filing — that is the structural reason its current S&P 500 cap is higher than the BonusRev siblings. A buyer who wants a day-one boost to contract value should compare AccumRev's higher annual crediting over a full-term hold against the BonusRev's bonus net of its tighter caps.
  • The S&P 500 Dynamic Intraday TCA index is a proprietary volatility-controlled benchmark. Participation rates on TCA strategies can look high in absolute terms — particularly the spread-bearing high-participation variant — but are not directly comparable to an uncontrolled S&P 500 cap, and the spread further reduces realized crediting. Evaluate each strategy on its own merits and don't headline the TCA participation rate as if it were an S&P 500 cap.
  • Carrier financial strength is rated B++ by A.M. Best ('Good'), which sits one notch below the A-/A range that underpins most large-carrier FIA shelves. This is the only rating disclosed on the feed — there is no independent S&P or Moody's view to triangulate against. Buyers prioritizing top-tier carrier strength should weigh that explicitly. Buyers in California, Montana, New Mexico, New York, Vermont, or West Virginia should note that this filing is not available in those states — the carrier's narrow-state Enduris filings cover several of those, on different terms.

Not ideal for

Buyers who want a premium bonus to boost contract value on day one (compare the BonusRev or BonusRev Max Premium Bonus siblings), buyers who need a GLWB-rider withdrawal rate, buyers who prioritize a top-tier carrier rating (A- or higher), or buyers in California, Montana, New Mexico, New York, Vermont, or West Virginia (filing not available).

All crediting strategies

View rate listings (22 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 12% · 7-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Guaranteed Cap Rate · cap

7-yr surrender

Cap: 10% · 7-yr

S&P 500 Index

Guaranteed Cap Rate · cap

7-yr surrender

Par: 115% + Spread: 5% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 75% + Spread: 5% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 75% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 12.25% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

10-yr surrender

Cap: 10.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4.8% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 12% · 5-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Guaranteed Cap Rate · cap

10-yr surrender

Cap: 10% · 5-yr

S&P 500 Index

Guaranteed Cap Rate · cap

10-yr surrender

Par: 115% + Spread: 5% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Par: 75% + Spread: 5% · 1-yr

S&P 500 Index

Par: 75% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Par: 50% · 1-yr

S&P 500 Index

Cap: 12.25% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Cap: 10.5% · 1-yr

S&P 500 Index

Fixed: 4.8% · 1-yr

Fixed Account

Cap: 12% · 5-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Guaranteed Cap Rate

Cap: 10% · 5-yr

S&P 500 Index

Guaranteed Cap Rate

Cap: 12% · 7-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Guaranteed Cap Rate

Cap: 10% · 7-yr

S&P 500 Index

Guaranteed Cap Rate

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 5.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

AccumRev FIA currently shows 11 distinct indexed or fixed crediting choices across 22 current rate listings, including S&P 500 Index and S&P 500 Dynamic Intraday TCA Index (USD) ER. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10.5% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 12.25% cap
  • S&P 500 Index: 50% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

This page uses the current structured product data returned for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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