DirectGrowth MYGA
Revol One Financial
6%
5-yr guarantee
10%
Free W/D
49
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
6% guaranteed for 5 years
A multi-year guaranteed annuity from Revol One Financial offering 3-, 5-, 7-, and 10-year fixed terms with band-tier rate uplift on a 49-state footprint excluding California and New York, paired with a separate CA-only sibling for California buyers.
Best fit
Buyers outside California and New York who want a fixed guaranteed rate for a 3- to 10-year term, value a fully published surrender ladder and clear band-tier rate uplift for larger premiums, and are comfortable with a B++ A.M. Best carrier rating as the trade-off for the published headline rate.
AM Best
B++ Good
Surrender period
10 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. California, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Term menu spans 3, 5, 7, and 10 years — broader than many single-term MYGA filings — letting a buyer match the guarantee window to their planning horizon (short-term cash management at three years through long-deferral planning at ten years).
- Premium-band rate structure publishes multiple band-tier rates per term on the live feed, so a larger-premium buyer can see exactly how much of a rate uplift the carrier pays for size, with the band breakpoints and rates visible on this page rather than gated behind a sales brochure.
- Ten-year surrender ladder grades down to a final-year charge meaningfully softer than the typical MYGA final-year charge, and the full schedule is published on this page rather than gated behind a sales brochure.
- Broad multi-state filing footprint covers most of the country, with the California single-state filing (DirectGrowth MYGA California) registered as the cross-link sibling so a CA buyer is routed to the right contract automatically.
What to confirm
- 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 MYGA shelves. This is the only rating disclosed on the feed — there is no independent S&P or Moody's view to triangulate against. For a MYGA, where the credit promise is the contract, buyers prioritizing top-tier carrier strength should weigh that explicitly and compare against A-rated alternatives at similar terms.
- Surrender ladder runs the full ten contract years even for shorter chosen terms — confirm with the carrier whether selecting a 3-year, 5-year, or 7-year guarantee ends the surrender schedule at the end of the term or runs the published ten-year ladder regardless. The surrender exposure beyond the chosen term is the load-bearing assumption for shorter-term buyers.
- The lead-term headline rate (5-year) is competitive with the broader MYGA market in current conditions, but the 7-year and 10-year rates do not pay a yield pickup over the 5-year on this filing — buyers seeking the longest guarantee window get no rate reward for the additional commitment, which is unusual.
- This is the 49-state filing that excludes both California and New York. California buyers should use Revol One's separate DirectGrowth MYGA California contract (a CA-only filing with a shorter surrender ladder and a different rate schedule, cross-linked as a sibling on this page); New York buyers cannot purchase this filing on this contract.
Not ideal for
Buyers in California (use the DirectGrowth MYGA California sibling), buyers in New York (filing not available), buyers who need a top-tier (A- or higher) carrier rating on the credit side of a MYGA, or buyers who expect meaningful yield pickup for committing to a 7- or 10-year term over the 5-year (this filing pays the same headline rate on the longer terms).
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 5.55% |
| 5-Year | 6% |
| 7-Year | 6% |
| 10-Year | 6% |
Key Features
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Enhanced Death Benefit RiderBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
Yr 10
0.9%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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