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Withdrawals exceeding the applicable free-withdrawal provision, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the surrender charge period. All funds become fully penalty-free at the end of the guarantee period or during the renewal window.

None. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries receive a death benefit equal to the Accumulation Value, or the Guaranteed Minimum Cash Surrender Value if greater. Under the California contract, the Enhanced Death Benefit feature is included with the base annuity, and surrender charges and MVA are waived upon payment of the death benefit.

 Waives surrender charges and MVA if the owner is confined to a nursing home for at least 90 consecutive days, subject to contract conditions.

 Waives surrender charges and MVA if the owner is diagnosed with a terminal illness with a life expectancy of 12 months or less, subject to contract conditions.

If the optional Free Partial Surrender Rider is elected, owners may withdraw annually up to the greater of the interest earnings potential for the year (Accumulation Value at the beginning of the contract year multiplied by the guaranteed fixed interest rate) or the Required Minimum Distribution (RMD) amount, without surrender charges or MVA. Withdrawals above this amount may be subject to surrender charges and MVA.

 funds. The DirectGrowth MYGA (California Only) accepts Non-Qualified assets, Traditional IRAs, and Roth IRAs.

DirectGrowth™ MYGA (California Only) is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, or 7-year term, during which interest grows tax-deferred. Withdrawals or full surrenders during the guarantee period may be subject to surrender charges and a Market Value Adjustment (MVA), except where a rider waiver applies. At the end of each guarantee period, the policy provides renewal options in accordance with California-approved contract provisions.

At the end of each guarantee period, the DirectGrowth MYGA (California Only) enters a renewal window during which the owner may renew the contract for the same term at the declared renewal rate, select a different available guarantee period, surrender the policy without surrender charges or MVA, or transition to a daily fixed interest option with no surrender charges or MVA, subject to California contract provisions.

The surrender value equals the Cash Surrender Value, reflecting the account value minus any applicable surrender charges and MVA, but not less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.

The Revol One DirectGrowth™ MYGA (California Only) is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Revol One Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. Designed to comply with California-specific product requirements, this annuity offers predictable, contractually guaranteed rates insulated from market volatility, making it suitable for conservative savers seeking stable accumulation with simplicity and guaranteed growth.

If, before the surrender-charge period ends, the owner surrenders the annuity or takes withdrawals in excess of any free amount, a surrender charge may apply and reduce the amount received. A Market Value Adjustment (MVA) may also apply to surrenders or excess withdrawals depending on market interest rate conditions.

Terminal Illness Rider and Nursing Home Rider.

Equal to the Accumulation Value at time of death plus any positive MVA, less any applicable surrender charges. The Death Benefit is not reduced by a negative MVA. (Payable at the death of the owner; if the owner is a non-natural person, payable at the death of the annuitant.)

 Surrender Charges and MVA will be waived if the owner becomes confined to a nursing home for at least 90 consecutive days and the contract is at least 90 days old (and confinement is for related causes).

 Surrender Charges and MVA will be waived if the owner is diagnosed with a terminal illness and is not expected to live more than 12 months, and the contract is at least 90 days old.

If the Contract is renewed for a second term, free partial withdrawals up to 10% of the Accumulation Value may be taken each year without incurring surrender charges or MVA. In addition, IRS Required Minimum Distributions (RMDs) may be taken without surrender charges. A free partial withdrawal is available only if the contract is renewed for a second term, and amounts above the free partial withdrawal may be subject to surrender charges and MVA.

Excelera Plus MYGIA® is comprised of the Excelera MYGA® base contract (ICC23-RO-MYGA) with the MYGIA® Rider (RO-MYGIA) attached. At the end of the selected Multi Year Guarantee Period, the contract’s Accumulation Value is the GREATER of two values: (1) a Guaranteed Fixed Rate Accumulation Value based on the guaranteed fixed interest rate stated in the contract, or (2) an Index Linked Accumulation Value based on the S&P 500® index performance adjusted by a participation rate. The fixed interest rate and participation rate are set at issue and guaranteed for the full guarantee period; however, if any withdrawals or partial surrenders are taken (other than IRS RMDs), Best Interest Crediting is voided and the end-of-term value is calculated using only the fixed-rate Accumulation Value.

Excelera Plus MYGIA can renew for a second Multi Year Guarantee Period (MYGP) with Best Interest Crediting. After the first MYGP, if no action is taken, the contract may automatically renew for the same guarantee period and include Best Interest Crediting with updated rates; surrender charges and MVA will apply. California-only guidance differs: if no action is taken after the first MYGP, Best Interest Crediting ends and the contract transitions as described in the brochure. After the second MYGP, Best Interest Crediting ends, surrender charges and MVA no longer apply, and a fixed rate will be declared that can change in each future contract year.

Surrenders and withdrawals in excess of any free amount may be subject to surrender charges and a Market Value Adjustment (MVA). The brochure also states the cash surrender value will never be less than the Guaranteed Minimum Cash Surrender Value.

 Multi Year Guarantee Index Annuity (MYGIA) is a single-premium deferred annuity that combines a guaranteed fixed interest rate with an index-linked interest opportunity through Revol One’s “Best Interest Crediting” feature. At the end of the selected Multi Year Guarantee Period (3, 5, or 7 years), the contract’s end-of-term value is based on the greater of a guaranteed fixed-rate accumulation value or an index-linked accumulation value tied to the S&P 500® (subject to participation rates and contract terms). It is designed for clients who want principal protection and tax-deferred growth, with the potential to credit more interest than the guaranteed rate if index performance is favorable.

Withdrawals exceeding the free amount (if available) or a full surrender during the surrender charge period are subject to surrender charges and may also incur an MVA. The Excelera MYGA includes an MVA that applies only when surrender charges apply; the MVA may be positive or negative depending on certain market interest rates and can increase or decrease the amount received. Surrender charges decline by policy year until they reach 0% at the end of the term, and all funds become penalty-free during the 30-day window at the end of the guarantee period. California uses a separate surrender-charge schedule. 

If the owner dies before annuitization, beneficiaries receive the Accumulation Value at time of death plus any positive MVA. Surrender charges do not apply to death benefits paid, and the death benefit will not be reduced by any negative MVA.

 Surrender charges and MVA will be waived if the contract owner becomes confined to a nursing home for at least 90 consecutive days on or after the contract date, or is confined for a total of at least 90 days with no more than a 6-month break for related causes (state variations may apply).  

 Surrender charges and MVA will be waived if the contract owner becomes terminally ill or injured and is not expected to live more than 12 months (state variations may apply). 

Free partial withdrawals are available only if the contract is renewed for a second term. In that case, free partial withdrawals up to 10% of the Accumulation Value may be taken each year without incurring surrender charges (and per product highlights, without surrender charges; the brochure ties “free partial withdrawals” to renewal for a second term). IRS Required Minimum Distributions (RMDs) can be taken without incurring a surrender charge.

Excelera MYGA™ is a Single Premium Deferred Annuity (SPDA) issued by Revol One Insurance Company that credits a guaranteed fixed interest rate for the duration of the chosen guarantee period (3, 5, or 7 years). The owner makes a one-time premium payment and interest grows tax-deferred throughout the term. Withdrawals in excess of the free amount (if available) or full surrenders during the surrender-charge period may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of the guarantee period, a 30-day window provides an opportunity to renew, surrender, or make changes without surrender charges. 

There are no surrender charges during the first 30 days beginning immediately at the end of the initial guarantee period or any subsequent guarantee periods. If the contract owner does not make an election, the contract will renew for the same guarantee period at a rate set at the time of renewal and a new surrender charge period will start. California only: if no election is made, the contract renews in one-year terms with no surrender charges or MVA applied, and the accumulation value earns daily fixed interest at an annually declared rate.

The Cash Surrender Value will never be less than the Guaranteed Minimum Cash Surrender Value (the brochure explains that even when surrender charges and a negative MVA apply, the cash surrender value has a guaranteed floor).

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Revol One Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. It offers predictable, contractually guaranteed interest rates for the entire selected term, insulating contract values from market volatility while supporting long-term accumulation objectives with simplicity and stability.

Free Partial Surrender Rider, Enhanced Death Benefit Rider (automatically includes Terminal Illness and Nursing Home Riders).

If the owner dies before annuitization, beneficiaries receive a death benefit equal to the Cash Surrender Value (or Guaranteed Minimum Cash Surrender Value if greater). An optional Enhanced Death Benefit Rider increases the death benefit to the Accumulation Value (or Guaranteed Minimum Cash Surrender Value if greater) and provides a waiver of surrender charges and MVA upon payment of the death benefit.

 funds. The DirectGrowth MYGA accepts Non-Qualified assets, Traditional IRAs, and Roth IRAs.

DirectGrowth™ MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, 7-, or 10-year term, during which interest grows tax-deferred. Withdrawals or full surrenders during the guarantee period may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of each guarantee period, the contract provides renewal options, including renewing for a new term, selecting a different guarantee period, or transitioning to a daily fixed interest option, subject to contract terms.

At the end of each guarantee period, the DirectGrowth MYGA enters a renewal window during which the owner may renew the contract for the same term at the declared renewal rate, select a different guarantee period, surrender the policy without surrender charges or MVA, or transition to a daily fixed interest option with no surrender charges or MVA. If no election is made, the contract renews according to the contract’s default renewal provisions.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Revol One Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, 7-, and 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it suitable for conservative savers seeking stable accumulation. With a choice of guarantee terms and optional riders that may enhance flexibility and protection, DirectGrowth MYGA supports long-term financial planning with security, simplicity, and guaranteed growth.

Revol One – DirectGrowth™ MYGA (California)

Revol One – Excelera Plus

Revol One – Excelera MYGA

Revol One – DirectGrowth MYGA