Rate Change Notice: DirectGrowth 5, 7, and 10-year fixed rates are decreasing from 6.00% to 5.85% effective 11/11/2025.
To receive current 6.00% rates, applications must be signed by 11/10/2025.
Revol One will hold the current rates for 10 business days if funding by check and 60 calendar days if funded by a transfer or rollover.
Multi Term
Multi-Year Guaranteed Annuity (MYGA)
Revol One DirectGrowth MYGA
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.
6.00% 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 6.00% or the 5.85% rate (effective 11/11/2025) 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.
When a Fixed Annuity Could Make Sense (Use Case Comparison)
Explore common scenarios where a fixed annuity may be considered versus doing nothing, buying a CD, or using other fixed‑income instruments. A fixed annuity—also called a Multi‑Year Guaranteed Annuity (MYGA)—offers a guaranteed rate for a set term. Expand each panel for: the situation, why a fixed annuity might fit, alternatives, and key evaluation cautions.
Situation
Current CDs are maturing and future short‑term rates might fall; desire to lock multi‑year yield while keeping staged liquidity.
Why Fixed Annuity Might Fit
Fixed annuities may offer higher multi‑year guaranteed rates versus new CDs at 3–7 years; tax deferral can enhance effective after‑tax yield in a taxable account.
Alternatives
New CD ladder, Treasury ladder, short/intermediate bond funds, high‑yield savings (variable), fixed indexed annuity w/ fixed declared rate.
Cautions / Evaluate
Surrender schedule vs desired liquidity. Rate hold/transfer timing. Insurer rating diversification. Compare net after‑tax vs CD after annual tax.
Situation
Large balances in CDs / savings produce 1099‑INT each year; marginal tax rate erodes compounding.
Why Fixed Annuity Might Fit
A fixed annuity defers taxation until distribution; more principal compounding pre‑tax may result in higher after‑tax accumulation over identical nominal rates.
If rates rise instead, funds are committed unless surrendering (charges). Ladder to mitigate rate direction uncertainty.
Situation
Assets currently in single‑name accounts without POD/TOD designations; heirs want simplicity.
Why Fixed Annuity Might Fit
Direct beneficiary designations can bypass probate and accelerate claim settlement versus estate process.
Alternatives
Add TOD/POD to CDs, revocable trust titling, transfer‑on‑death brokerage with short‑term instruments.
Cautions
Beneficiaries must keep updated. Death proceeds still taxable on gain (ordinary income). Consider overall estate plan cohesion.
Situation
Lump sum awaiting a structured long‑term plan; desire to avoid rushed investment risk.
Why Fixed Annuity Might Fit
Offers guaranteed accumulation while comprehensive plan & tax strategy (e.g., staged Roth conversions) is finalized.
Alternatives
T‑bill ladder, high‑yield savings (variable), short muni ladder (if tax bracket warrants), partial DCA into portfolio.
Cautions
Avoid locking too large a share for too long. Analyze liquidity for near‑term tax payments or capital deployment needs.
Situation
Intend to perform annual Roth conversions; want stable value for amounts earmarked to convert.
Why Fixed Annuity Might Fit
Ensures the pre‑conversion asset value isn’t whipsawed by markets, helping precisely size each year’s taxable conversion.
Alternatives
Treasury ladder, high‑grade short bond fund, money market (variable reinvestment risk).
Cautions
Ensure term doesn’t extend beyond the conversion schedule. Consider opportunity cost if equities rally sharply during holding period.
This educational comparison is hypothetical and not personalized advice. Fixed annuities are long‑term insurance products with surrender periods and possible market value adjustments (if applicable). Withdrawals of taxable gains before age 59½ (non‑qualified) may incur a 10% IRS penalty. Rates, features, free withdrawal provisions, and carrier financial strength vary; guarantees rely on the insurer’s claims‑paying ability. State guaranty association coverage differs from and is not a substitute for FDIC insurance. Evaluate liquidity needs, tax implications, and suitability prior to purchase.
