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Fixed Indexed Annuity

Excelera Plus MYGIA

Revol One Financial

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10%

Free W/D

47

Available jurisdictions

Product data status: July 15, 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 Excelera Plus MYGIA 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 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$175,017
Est. value at age 80 (Excelera Plus MYGIA)
3
Broad-market strategies
S&P 500 Index — 70% Participation (7-yr point-to-point)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Excelera Plus MYGIA's published participation rate (70% 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; 7-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how Excelera Plus MYGIA 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 Excelera Plus MYGIA

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 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Headline metric not available in the live product feed for this product on this request. Confirm current terms with the carrier.

A seven-year-surrender accumulation FIA from Revol One built entirely around multi-year S&P 500 participation strategies, with no annual cap or income rider published.

AdvisorWorld + CANNEX data

Best fit

Buyers who understand multi-year point-to-point participation mechanics, want S&P 500-linked accumulation, and can hold through the surrender period.

AM Best

B++ Good

Surrender period

7 years

Free withdrawal

10%/yr

Availability

47 jurisdictions (excl. Maryland, Montana, New York, Virginia)

Minimum premium

$25,000 qualified / $50,000 non-qualified

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

35% participation rate

Participation

3-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

5-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

70% participation rate

Participation

7-year term · 7-year surrender · Does not vary by premium

+ 3 additional crediting options (Index not...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The strategy menu uses the familiar S&P 500 across several multi-year point-to-point participation periods rather than a proprietary index.
  • Annual free withdrawals and nursing-home, terminal-illness, and required-minimum-distribution waivers provide several defined liquidity paths.

What to confirm

  • No eligible annual point-to-point cap is published, so this page intentionally does not force a Best Cap headline from a multi-year participation strategy.
  • The contract carries a multi-year surrender schedule, a market value adjustment, no income rider, and a carrier rating below the large-carrier tier.

Not ideal for

Buyers shopping by a comparable annual cap, seeking a guaranteed lifetime-income rider, or needing broad early liquidity without MVA exposure.

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See how Excelera Plus MYGIA 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 (6 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: 35% · 3-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Par: 50% · 5-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Par: 70% · 7-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Rate not shown · 3-yr

Index not shown

BO

Does not vary by premium

Rate not shown · 5-yr

Index not shown

BO

Does not vary by premium

Rate not shown · 7-yr

Index not shown

BO

Does not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing 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 Excelera Plus MYGIA

● Can I lose money in Excelera Plus MYGIA?

A negative index return by itself does not reduce the contract's account value: Excelera Plus MYGIA 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 7 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 Excelera Plus MYGIA's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Excelera Plus MYGIA 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

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.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

1.00%

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

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

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

Documents

brochure

MYGIA-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

Excelera Plus MYGIA currently shows 6 indexed or fixed crediting options, including S&P 500 Index, with 3 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: 35% 3-year participation rate
  • S&P 500 Index: 50% 5-year participation rate
  • S&P 500 Index: 70% 7-year 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
  • 7 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 MYGIA-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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