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.
Model this product
See what AccumRev FIA would do for you
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of July 1, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (AccumRev FIA)
10.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Dynamic Intraday TCA Index (USD) ER — 12.25% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies AccumRev FIA's published cap rate (12.25% on S&P 500 Dynamic Intraday TCA Index (USD) ER) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 1, 2026.
Free Comparison Report
Get a AccumRev FIA rate report
See how AccumRev FIA compares for your age, state, premium, and income goals alongside other Revol One Financial fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Revol One Financial product.
Live product data
Rates as of July 1, 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 options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
45 jurisdictions
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
10% cap rate
Annual cap
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
S&P 500
S&P 500 Index
10.5% cap rate
Annual cap
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
10.5% cap rate
Annual cap
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
50% participation rate
Participation
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
S&P 500
S&P 500 Index
70% participation rate + 5% spread
Participation
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
S&P 500
S&P 500 Index
120% participation rate + 10% spread
Participation
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
S&P 500
S&P 500 Index
50% participation rate
Participation
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
75% participation rate + 5% spread
Participation
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
125% participation rate + 10% spread
Participation
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
50% participation rate
Participation
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
75% participation rate + 5% spread
Participation
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
125% participation rate + 10% spread
Participation
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
Guaranteed Cap Rate
9.5% cap rate
Annual cap
5-year term · 5-year surrender · Premium band not shown
5-year term
5-year surrender
Premium band not shown
S&P 500
S&P 500 Index
Guaranteed Cap Rate
10% cap rate
Annual cap
5-year term · 10-year surrender · Premium band not shown
5-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
Guaranteed Cap Rate
10% cap rate
Annual cap
7-year term · 7-year surrender · Premium band not shown
7-year term
7-year surrender
Premium band not shown
Fixed Account
Fixed Account
4.6% declared rate
Fixed account
1-year term · 5-year surrender · Premium band not shown
1-year term
5-year surrender
Premium band not shown
Fixed Account
Fixed Account
4.8% declared rate
Fixed account
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
Fixed Account
Fixed Account
4.8% declared rate
Fixed account
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
+ 15 additional crediting 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).
Free Comparison Report
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See how AccumRev FIA compares for your age, state, premium, and income goals alongside other Revol One Financial fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 170% + Spread: 10% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender
Par: 120% + Spread: 10% · 1-yr
S&P 500 Index
participation
5-yr surrender
Par: 110% + Spread: 5% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender
Par: 75% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender
Par: 70% + Spread: 5% · 1-yr
S&P 500 Index
participation
5-yr surrender
Par: 50% · 1-yr
S&P 500 Index
participation
5-yr surrender
Cap: 12% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
cap
5-yr surrender
Cap: 10% · 1-yr
S&P 500 Index
cap
5-yr surrender
Fixed: 4.6% · 1-yr
Fixed Account
fixed
5-yr surrender
Cap: 11.75% · 5-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Guaranteed Cap Rate · cap
5-yr surrender
Cap: 9.5% · 5-yr
S&P 500 Index
Guaranteed Cap Rate · cap
5-yr surrender
Par: 175% + Spread: 10% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
7-yr surrender
Par: 125% + Spread: 10% · 1-yr
S&P 500 Index
participation
7-yr surrender
Par: 115% + Spread: 5% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
7-yr surrender
Par: 75% + Spread: 5% · 1-yr
S&P 500 Index
participation
7-yr surrender
Cap: 12.25% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
cap
7-yr surrender
Cap: 10.5% · 1-yr
S&P 500 Index
cap
7-yr surrender
Fixed: 4.8% · 1-yr
Fixed Account
fixed
7-yr surrender
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
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
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.
Common questions about AccumRev FIA
● Can I lose money in AccumRev FIA?
A negative index return by itself does not reduce the contract's account value: AccumRev FIA credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do AccumRev FIA's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current AccumRev FIA strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
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.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
0.25%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
5.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Maximum spread
1.00%
Maximum spread: 1.00%
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 22 distinct indexed or fixed crediting choices across 33 current rate listings, including S&P 500 Index, with 10 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 10% annual cap
S&P 500 Index: 10.5% annual cap
S&P 500 Index: 50% annual participation rate
S&P 500 Index: 70% annual participation rate
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
Free Comparison Report
Get a AccumRev FIA rate report
See how AccumRev FIA compares for your age, state, premium, and income goals alongside other Revol One Financial fixed indexed annuity options.