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Fixed Indexed Annuity

Enduris 10

Revol One Financial

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8.25%

Best S&P 500 Annual Cap

10%

Free W/D

9

Available states

Product data status: August 12, 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.

Model this product

See what Enduris 10 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 August 12, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$298,058
Est. value at age 80 (Enduris 10)
8.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.25% 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 Enduris 10's published cap rate (8.25% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of August 12, 2026.

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rate data

Run numbers for Enduris 10

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Revol One Financial product.

Live product data

Rates as of August 12, 2026, from AdvisorWorld and CANNEX.

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

8.25% cap on S&P 500

A ten-year-surrender fixed indexed annuity from Revol One Financial built for index-linked accumulation on the S&P 500 — cap, participation, and EPAR designs across annual and 2-year point-to-point — with no income rider and a narrow nine-state footprint.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers in one of the nine available states who want index-linked accumulation on the S&P 500, are willing to commit to a full ten-year surrender ladder for a richer headline cap than the six-year sibling, and value the ability to mix annual and 2-year crediting across cap, participation, and EPAR designs.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

9 states (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.25% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

42% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Base Rate — 0-10% allocation

10% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

EPAR — 10-999.9999% allocation

100% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

16.5% cap rate

Cap strategy

2-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

52% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Base Rate — 0-10% allocation

10% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

EPAR — 10-999.9999% allocation

90% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 2 additional crediting options (EPAR Strategy...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year surrender term delivers higher current cap and participation rates than the carrier's six-year Enduris 6 filing — same crediting menu, longer commitment in exchange for a richer headline.
  • Three crediting designs are offered on the S&P 500 alone — annual point-to-point cap, participation rate, and the carrier's EPAR participation reset — so a buyer can pick the mechanic that fits their view of the index rather than being locked into one style.
  • Annual point-to-point and 2-year point-to-point variants exist for both the cap design and the participation design, letting a buyer trade an annual reset for a longer measurement window if they prefer the way 2-year point-to-point smooths year-to-year index swings.
  • Free-withdrawal allowance and the full ten-year surrender schedule are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

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.
  • 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.
  • State availability is very narrow — this is a nine-state filing (CA, HI, MA, MT, NC, NM, RI, VT, WV). Buyers outside those nine states cannot purchase this contract on this contract and should compare the carrier's broader BonusRev / AccumRev / Enduris 10 Income filings, which cover most of the rest of the country.
  • The first two surrender-charge years sit at the top of the surrender ladder and the ladder doesn't drop into the low single digits until late in the term, so a buyer who needs liquidity in the first half of the term will face meaningful penalties beyond the published annual free-withdrawal allowance.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a premium bonus to offset the long surrender commitment, prioritize a top-tier carrier rating (A- or higher), or live outside the nine-state filing footprint — none of those are what this contract is built to deliver.

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All crediting strategies

View rate listings (11 strategies)

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

Par: 100% · 1-yr

S&P 500 Index

EPAR — 10-999.9999% allocation · participation

10-yr surrenderDoes not vary by premium

Par: 42% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 10% · 1-yr

S&P 500 Index

Base Rate — 0-10% allocation · participation

10-yr surrenderDoes not vary by premium

Cap: 8.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

S&P 500 Index

EPAR — 10-999.9999% allocation · participation

10-yr surrenderDoes not vary by premium

Par: 52% · 2-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 16.5% · 2-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Par: 10% · 2-yr

S&P 500 Index

Base Rate — 0-10% allocation · participation

10-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

EPAR Strategy

EPAR Strategy · TH

Does not vary by premium

Rate not shown · 2-yr

EPAR Strategy

EPAR Strategy · TH

Does not vary by premium

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Enduris 10

● Can I lose money in Enduris 10?

A negative index return by itself does not reduce the contract's account value: Enduris 10 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 scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Enduris 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Enduris 10 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

0.25%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

8.3%

Yr 2

8.2%

Yr 3

7.2%

Yr 4

6.2%

Yr 5

5.2%

Yr 6

4.15%

Yr 7

3.1%

Yr 8

2.1%

Yr 9

1%

Yr 10

1%

After

0%

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

Documents

brochure

Enduris-10-Consumer-Brochure.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Enduris 10 currently shows 11 indexed or fixed crediting options, including S&P 500 Index, with 2 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: 8.25% annual cap
  • S&P 500 Index: 42% annual participation rate
  • S&P 500 Index: 10% annual participation rate, Base Rate — 0-10% allocation
  • S&P 500 Index: 100% annual participation rate, EPAR — 10-999.9999% allocation

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

Carrier materials such as Enduris-10-Consumer-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. 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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See how Enduris 10 compares for your age, state, premium, and income goals alongside other Revol One Financial fixed indexed annuity options.

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