Lock a guaranteed rate across 5, 7, or 10 years with predictable accumulation, tax deferral, and optional annual interest withdrawals. Simple, steady growth without market volatility.
5.90% Rate
5 / 7 / 10 Year Terms
Level guaranteed rate for chosen term. Option to withdraw earned interest annually without surrender charge (subject to contract provisions).
Rates shown as of: 09/18/2025 • Subject to change until policy issue & funding. State availability & premium limits apply.
Growth Calculator (Illustrative)
Monthly Compounding (Illustrative)
Model hypothetical accumulation using either the current 5.90% or prior 6.00% rate across available terms. Actual contract mechanics may use annual compounding; this tool is for comparison only.
Projected Ending Value$0
Effective Annual Yield: —
Total Interest Earned$0
Difference vs Premium
Average Annual Interest$0
—
Monthly Compounding Factor—
(1 + r/12)^(12×Years)
Show Annual Value Schedule
Illustration uses nominal rate with monthly compounding for comparative display; actual MYGA accumulation is typically annual and may differ slightly from this model. Not a guarantee or an offer. Always refer to the official contract and disclosure documents.
A same-rate spread across 5, 7, and 10 year durations gives flexibility: match term to planned liquidity events (RMD timing, future income annuity purchase, ladder segment, etc.) without sacrificing yield for the shorter of the available terms. It can also simplify ladder construction—allocating proportionately to each term at a uniform rate to create rolling future liquidity.
5 Year: Bridge to medium-term goals or pending retirement income decisions
7 Year: Balanced horizon; often a sweet spot for deferral without feeling locked too long
10 Year: Maximizes tax-deferred compounding for dollars not needed this decade
Combine with other fixed or indexed annuity strategies to diversify carrier exposure while maintaining predictable accumulation.
Revol One DirectGrowth MYGA FAQs
A MYGA is a fixed deferred annuity that credits a contractually guaranteed interest rate for a set number of years (the surrender charge period). You defer taxes on the interest until you withdraw it or begin receiving income.
Yes. Once your contract is issued and funded, the stated guaranteed rate remains level for the entire selected term (5, 7, or 10 years), subject to the contract and state approvals.
The product allows annual withdrawal of earned interest (if elected) without a surrender charge, provided the withdrawal follows contract guidelines. Taking more than the allowed amount may trigger surrender charges (and any market value adjustment if applicable—confirm with current disclosure).
Withdrawals above available penalty-free provisions during the surrender charge period may incur surrender charges and potentially a market value adjustment (if included in the contract). Always evaluate liquidity needs before allocating funds.
MYGAs generally credit interest annually (guaranteed rate notionally applied each year). The on-page calculator uses monthly compounding purely for engagement and comparison; actual contract accumulation may differ slightly. Refer to the contract for precise crediting methodology.
Some MYGAs include an MVA feature that can increase or decrease surrender values if interest rates move. Verify the current version of the Revol One DirectGrowth contract and state variation. If present, it applies only to excess withdrawals or full surrender during the charge period.
Typical minimum premiums for MYGAs range from $5,000–$10,000 (qualified) and $10,000–$25,000 (non-qualified). Maximums can vary by age and state. Confirm current carrier guidelines before funding. The calculator default ($100,000) is just an example.
Growth is tax-deferred. Interest is taxed as ordinary income when withdrawn. Early distributions prior to age 59½ may incur a 10% IRS penalty unless an exception applies. Non-qualified contracts use Last-In-First-Out (LIFO) rules for distributions of gain.
Guarantees rely on the issuing insurer’s financial strength and claims-paying ability. MYGAs are not FDIC insured. Independent rating agencies and state guaranty association coverage (where applicable) provide additional context—though you should not rely solely on guaranty coverage when making a purchase decision.
Yes. A uniform-rate multi-term offering lets you allocate across 5, 7, and 10 year tranches so portions mature in staggered years. That can fund future RMDs or reposition into income annuities later without sacrificing yield on the shorter terms.
Near maturity the carrier typically provides renewal or settlement options: renew at a new declared rate, annuitize, transfer via 1035 exchange, or withdraw (subject to timing rules). A short window (30–60 days) often exists to act without new surrender charges.
Important Disclosures
Product availability, rates, credited interest, and contract features subject to state approval, carrier rules, premium tiers, and change without notice until contract issue and funding. Surrender charges and any applicable market value adjustment (if included in the contract) may apply to withdrawals exceeding penalty-free provisions during the surrender period. Withdrawals of taxable amounts are subject to ordinary income tax, and if taken prior to age 59½, may incur an additional 10% IRS penalty. Guarantees rely on the issuing insurer’s claims-paying ability. Not FDIC/NCUA insured. Not a bank obligation. This page is educational and not individualized advice. Consult your tax and legal advisors. Always review the official contract, disclosure statement, and carrier-approved materials before purchase.
Additional Carrier Disclosure
Guarantees are subject to the financial strength and claims-paying ability of Revol One Insurance Company and subject to the terms and conditions of the product. Surrender and withdrawal charges may apply. Withdrawals and surrenders are subject to federal and state income tax and may be subject to an IRS penalty if taken prior to age 59 ½.
This material is intended to provide educational information regarding the features and mechanics of the product. The contract associated with the product will contain actual terms, definitions, limitations, and exclusions that apply. This material should not be considered, and does not constitute, investment, legal or tax advice or recommendations. Revol One Insurance Company is not acting in any fiduciary capacity with respect to any annuity contract.
The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your tax or legal counsel for advice.
DirectGrowth™ MYGA is issued by Revol One Insurance Company, 11259 Aurora Avenue, Urbandale, Iowa 50322. DirectGrowth™ MYGA is available in most states with Contract number ICC24-RO-DTCM, ICC24-RO-DTCMSCH and other related forms. Products and features are subject to state variations and availability. Read the contract for complete details.
