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Fixed Indexed Annuity

Enduris 10 Income

Revol One Financial

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5%

Best S&P 500 Annual Cap

10%

Free W/D

49

Jurisdictions

Product data status: July 2, 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 Income 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 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$225,477
Est. value at age 80 (Enduris 10 Income)
5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10% Cap (2-yr point-to-point)
✦
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 Income's published cap rate (10% 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; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 2, 2026.

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See how Enduris 10 Income compares for your age, state, premium, and income goals alongside other Revol One Financial fixed indexed annuity options.

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Live rate data

Run live numbers for Enduris 10 Income

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 2, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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

5% cap on S&P 500

A ten-year-surrender fixed indexed annuity in the Enduris family from Revol One Financial that is marketed as the income variant — but the live feed publishes no GLWB rider data, so it currently behaves as an accumulation contract on the S&P 500 with a tighter cap than the no-income sibling and a broad multi-state footprint excluding California and New York.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers outside California and New York who want index-linked accumulation on the S&P 500 across the widest Enduris-family state footprint, are willing to accept the lower current cap that the income-tilt of this filing implies, and intend to consult the carrier brochure for the income-rider details that the live feed does not currently publish.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

30% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

10% cap rate

Cap strategy

2-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

35% participation rate

Participation

2-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

2.75% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

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

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit Rider

Lifetime payout rate3.4% lifetime payout
Guaranteed roll-up7.2%/yr
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Broad multi-state filing footprint covers almost the entire country — the widest reach in the Enduris family and the most comparable in the carrier's lineup to mainstream FIA shelves.
  • 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 and 2-year point-to-point variants exist for both the cap and participation designs, 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

  • Marketing name and the carrier's product flag (hasFiaIncome=true) suggest a guaranteed-lifetime-withdrawal rider, but the live CANNEX feed returns an empty incomeRiders list and no Protected Income Value figure. The income mechanics that would back a buyer comparison are not visible in the data this page consumes — a buyer evaluating this filing for lifetime income should request the carrier brochure and confirm rider availability before purchase, and should not compare it against rider-led income FIAs on payout terms.
  • Current S&P 500 cap and fixed-account rate are noticeably lower than the no-income Enduris 10 sibling — the income tilt of the chassis appears to be paid for via tighter accumulation rates, consistent with the income-vs-accumulation FIA trade-off, but without rider data visible on the feed it is hard to tell exactly how that trade-off plays out.
  • 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 and New York should note that this filing is not available in those states; Revol One's DirectGrowth MYGA California filing is a separate single-state contract for California buyers, and the Enduris 6 / Enduris 10 / Enduris 10 Bonus FIA filings (which include CA) carry different state footprints and rate schedules.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate visible at point of comparison, buyers in California or New York (filing not available), or buyers chasing the highest current S&P 500 cap in the carrier lineup (the no-income Enduris 10 publishes a higher cap).

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See how Enduris 10 Income compares for your age, state, premium, and income goals alongside other Revol One Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (7 rows)

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: 30% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.75% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 35% · 2-yr

S&P 500 Index

participation

10-yr surrender

Cap: 10% · 2-yr

S&P 500 Index

cap

10-yr surrender

Rate not shown · 1-yr

EPAR Strategy

EPAR Strategy · TH

Rate not shown · 2-yr

EPAR Strategy

EPAR Strategy · TH

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider

Lifetime withdrawal rate3.4%
Annual rider feeNot shown
Withdrawal-base growth7.2% roll-up / 2× multiplier

GLWB

Common questions about Enduris 10 Income

● Can I lose money in Enduris 10 Income?

A negative index return by itself does not reduce the contract's account value: Enduris 10 Income 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.

● Is the Guaranteed Lifetime Withdrawal Benefit Rider income rider worth it?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 7.2% roll-up and 3.4% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 Enduris 10 Income's crediting strategies compare?

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

9%

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

product guide

Enduris-10-Income-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 Income currently shows 7 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: 5% annual cap
  • S&P 500 Index: 30% annual participation rate
  • S&P 500 Index: 10% 2-year cap
  • S&P 500 Index: 35% 2-year participation rate

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 3.4% withdrawal 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

Carrier materials such as Enduris-10-Income-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 Income compares for your age, state, premium, and income goals alongside other Revol One Financial fixed indexed annuity options.

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