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Multi-Year Guaranteed Annuity
DirectGrowth MYGA California — Revol One Insurance Company
Guarantee terms
3 · 5 · 7 yrs
Free withdrawal
10% source schedule summary; contract tier timing not published
Market value adj.
Applies
Minimum premium
$10,000
Availability
California Only state
Surrender schedule
7-year option published contract option; match to the selected rate before purchase
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Oct 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 | +0.60 ptsmedian 5.40% · n=128 |
| 5-yearSchedule not publishedHighest | 6.15% | 6.15% | Flat throughout | $134,772+$34,772 interest | +0.45 ptsmedian 5.70% · n=152 |
| 7-yearSchedule not published | 6.10% | 6.10% | Flat throughout | $151,359+$51,359 interest | +0.40 ptsmedian 5.70% · n=138 |
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 California
- 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
- This California-only contract gives buyers in the state a dedicated DirectGrowth option rather than treating California as part of the broader filing.
- The contract publishes several guarantee terms so California buyers can compare different rate-lock periods.
- The source distinguishes versions with and without the Free Partial Surrender Rider, and the rate table keeps both choices visible.
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.
- This contract is available only in California and does not publish the longest guarantee term offered by the multi-state sibling.
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
Standard Death Benefit
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
2
California · MVA · Free Partial Surrender Rider · California · MVA · No liquidity rider
Source
CANNEX via AdvisorWorld
Normalized facts observed Nov 13, 2026.
State availability
California only 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.
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