Multi-Year Guaranteed Annuity
DirectGrowth MYGA
Guarantee terms
3 · 5 · 7 · 10 yrs
Free withdrawal
10% source schedule summary; contract tier timing not published
Market value adj.
Applies
Minimum premium
$10,000
Availability
49 jurisdictions (48 states + DC)
Surrender schedule
10-year option published contract option; match to the selected rate before purchase
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Sep 1, 2026
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $100,000 comparison premium, alongside the full-term effective rate.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $100,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 3-yearSchedule not published | 6.00% | 6.00% | Flat throughout | $119,102+$19,102 interest | +0.80 ptsmedian 5.20% · n=118 |
| 5-yearSchedule not published | 6.15% | 6.15% | Flat throughout | $134,772+$34,772 interest | +0.95 ptsmedian 5.20% · n=118 |
| 7-yearSchedule not published | 6.15% | 6.15% | Flat throughout | $151,859+$51,859 interest | +0.95 ptsmedian 5.20% · n=118 |
| 10-yearSchedule not publishedHighest | 6.25% | 6.25% | Flat throughout | $183,354+$83,354 interest | +1.05 ptsmedian 5.20% · n=118 |
Rate figures use a $100,000 comparison premium and are scoped to the selected contract version. Term-end values are illustrative calculations using the published rate and crediting convention with no withdrawals. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 6.15% grows over 5 years
Follow a deposit through the complete guarantee term.
The calculator shows outcomes only when the entered premium matches a published rate band. No rate or ending value is inferred outside those bands.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 6.15% | +$6,150 | $106,150 |
| Year 2 | 6.15% | +$6,528 | $112,678 |
| Year 3 | 6.15% | +$6,930 | $119,608 |
| Year 4 | 6.15% | +$7,356 | $126,964 |
| Year 5 | 6.15% | +$7,808 | $134,772 |
| Compound-equivalent annual rate over the full term | 6.150% | ||
How the number is calculated
- Product
- DirectGrowth MYGA
- Schedule
- 6.15% for 5 years
- Crediting
- Compound interest
- Ending value
- $134,772
- Effective rate
- 6.150% per year
Equivalent: a flat MYGA paying 6.15% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- The contract publishes several guarantee terms, allowing buyers to compare shorter and longer rate-lock periods on one page.
- The source distinguishes versions with and without the Free Partial Surrender Rider, and the rate table keeps those choices visible.
- A separate California contract is cross-linked so buyers can move directly to the filing available in that state.
What to confirm
- Revol One's published AM Best rating is below the rating floor some buyers use when comparing insurer credit strength.
- A market value adjustment applies and can change the amount received on withdrawals beyond the contract's free-withdrawal provisions.
- The source publishes multiple contract versions with different liquidity provisions, so the selected version must be confirmed on the application and quote.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$10,000 minimum
$1,000,000 maximum · Non-qualified: $10,000–$1,000,000 · Qualified: $10,000–$1,000,000
Issue ages
18–85 or 18–90 (annuitant and owner; applicability by range not published)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Enhanced Death Benefit Rider
Surrender charges and a market value adjustment may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Certain period · Single life
Maximum annuitization age: 100 years
Fees and charges
None published
Contract versions
4
Most states · MVA · Free Partial Surrender Rider · Published version 1 · Most states · MVA · Free Partial Surrender Rider · Published version 2 · Most states · MVA · No liquidity rider · Published version 1 · Most states · MVA · No liquidity rider · Published version 2
Source
CANNEX via AdvisorWorld
Normalized facts observed Sep 14, 2026.
State availability
49 jurisdictions (excl. California, New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.