DirectGrowth MYGA California
Revol One Financial
5.9%
5-yr guarantee
10%
Free W/D
California
Only state
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
5.9% guaranteed for 5 years
The California-only filing of Revol One Financial's DirectGrowth MYGA — a multi-year guaranteed annuity offering 3-, 5-, and 7-year fixed terms with band-tier rate uplift, a surrender ladder that tracks the term menu rather than running a ten-year tail, and a state-tailored contract rather than CA-exclusion.
Best fit
California buyers who want a fixed guaranteed rate for a 3- to 7-year term from a single-state-licensed carrier filing, value a surrender ladder that aligns with the available term menu, 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
7 years
Free withdrawal
10%/yr
Availability
California only
Product analyst notes
How to think about this contract
Why it can stand out
- California-specific filing of the DirectGrowth MYGA chassis — a CA buyer gets a contract designed around California's regulatory requirements rather than being excluded by the multi-state sibling. The cross-link to the multi-state DirectGrowth MYGA is registered as a sibling pair so the listing routes a CA visitor to this filing automatically.
- Surrender ladder runs shorter than the multi-state sibling's ladder and tracks the available term menu more closely — a buyer aligns surrender exposure to the guarantee window without carrying the ten-year tail that the multi-state filing imposes.
- 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.
- Term menu spans 3, 5, and 7 years, letting a California buyer match the guarantee window to their planning horizon across a meaningful range without leaving the state filing.
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.
- Current headline lead-term rate on this California filing is below the multi-state DirectGrowth MYGA sibling's headline rate — California buyers should compare against other CA-available MYGAs from higher-rated carriers, not just against the multi-state filing they can't purchase.
- No 10-year term is available on this filing — buyers who want the longest possible guarantee window on a single MYGA contract should compare CA-available multi-carrier alternatives. The 7-year is the longest commitment this CA filing accepts.
- The longer-term rates (7-year) do not pay a yield pickup over the shorter 5-year on this filing — buyers committing to the additional surrender exposure get no rate reward for the additional commitment, which is unusual and is the same pattern as the multi-state sibling.
Not ideal for
Buyers outside California (use the multi-state DirectGrowth MYGA sibling), buyers who want a 10-year guarantee window (not offered on this filing), buyers who need a top-tier (A- or higher) carrier rating, or buyers expecting meaningful yield pickup for committing to the 7-year over the shorter terms.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 5.45% |
| 5-Year | 5.9% |
| 7-Year | 5.9% |
Key Features
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary 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
8.1%
Yr 2
7.2%
Yr 3
6.3%
Yr 4
5.4%
Yr 5
4.5%
Yr 6
3.6%
Yr 7
2.7%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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