Revol One Enduris 10 FIA with Income – Growth Potential, Income Security, and Flexibility
At Diversified Insurance Brokers, we specialize in helping clients secure guaranteed lifetime income, tax-deferred growth, and principal protection through customized annuity strategies. The Revol One Enduris 10 FIA with Income is designed for individuals seeking strong growth potential with market-linked strategies, guaranteed income options, and enhanced flexibility for retirement planning. With multiple crediting strategies, a built-in income rider, and penalty-free withdrawals, this annuity offers a well-rounded approach to financial security. For many retirees, the real question is not just “How much can I earn?” but “How do I protect what I’ve built while still creating dependable income?” That is where structured fixed indexed annuities like this one often enter the conversation.
The Enduris 10 is structured to help reduce exposure to market volatility while still allowing participation in index-linked growth. Unlike direct market investments, your principal is protected from index losses. That protection matters most during retirement distribution years, when negative returns combined with withdrawals can permanently impact long-term outcomes. If you are unsure how indexed annuities credit interest or how protection mechanisms work, you may want to review Can You Lose Money in an Annuity? to better understand contract design and risk structure. This type of education is critical before allocating retirement dollars.
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The built-in income rider is one of the defining features of the Enduris 10. Income riders are often misunderstood, and evaluating them properly requires comparing roll-up rates, payout percentages, deferral bonuses, and rider costs. If you want a deeper comparison between taking lifetime withdrawals versus converting to an immediate payout structure, review Annuitization vs. Lifetime Withdrawals. Understanding that distinction can significantly impact long-term flexibility. The Enduris 10’s structure allows for systematic lifetime withdrawals while maintaining control of the underlying account value.
Liquidity provisions also matter. The ability to withdraw up to 10% annually without surrender charges provides flexibility in case of emergencies or supplemental income needs. However, surrender charge schedules and market value adjustments should always be reviewed carefully. If you are comparing contracts, make sure you understand the surrender structure, how long it lasts, and what happens if funds are accessed early. These structural details can have a long-term impact on planning outcomes.
This annuity may be appropriate for individuals who are repositioning retirement assets from IRAs or 401(k)s and want to reduce direct market exposure while still targeting structured growth. If you are evaluating whether an annuity belongs in your retirement strategy at all, consider reviewing Is an Annuity Your Missing Retirement Piece?. That broader planning perspective can help clarify whether this product category aligns with your long-term objectives.
For those concerned about overall retirement income structure, remember that annuities are only one component of a comprehensive strategy. Healthcare planning, Medicare transitions, and risk management tools such as critical illness or disability riders may also play roles in protecting retirement income. While this product focuses on income and growth protection, broader planning considerations often extend into areas like Medicare plan transitions or evaluating supplemental protection strategies.
At Diversified Insurance Brokers, we evaluate annuities within the context of your entire financial picture. We compare over 75 carriers, analyze rider costs, assess income projections, and model multiple scenarios before making recommendations. Our goal is not simply to present a product but to determine whether it strengthens your retirement foundation. Every client’s timeline, tax situation, and income objectives differ, which is why personalized analysis matters.
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Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Revol One Enduris 10 Fixed Indexed Annuity
What is the Revol One Enduris 10 Fixed Indexed Annuity?
The Revol One Enduris 10 is a 10-year fixed indexed annuity designed to protect your principal while giving you the potential for interest credits linked to one or more market indexes. It is built for long-term retirement savings and can include options for guaranteed lifetime income.
How does interest grow in the Enduris 10?
Your premium can be allocated to a fixed interest account and one or more index-linked accounts. Interest is credited based on formulas that use caps, participation rates, or spreads. Your money is not directly invested in the stock market, so you get upside potential with protection from market losses.
Is my principal protected?
Yes. As a fixed indexed annuity, the Enduris 10 is designed to protect your principal from market downturns, subject to the claims-paying ability of the issuing company and any withdrawals beyond the free-withdrawal provisions.
How long is the surrender charge period?
The surrender period is typically 10 years to match the contract term. During this time, withdrawals above the free-withdrawal amount or a full surrender may be subject to surrender charges and, in some cases, a market value adjustment.
Can I access my money before the term ends?
Most contracts allow annual free withdrawals up to a stated percentage, often around 5–10% of the account value, once the first contract year is complete. Some contracts may also include waivers for events such as nursing home confinement or terminal illness. Larger withdrawals or full surrender during the surrender period can trigger penalties.
Does the Enduris 10 offer lifetime income options?
The Enduris 10 may offer built-in or optional income riders that can turn your account into a stream of guaranteed lifetime income. These riders are designed to help provide predictable income in retirement and may include features like deferral bonuses or guaranteed roll-up rates on the income base.
How are taxes handled on growth and withdrawals?
Growth inside the annuity is tax-deferred, meaning you do not pay taxes on interest each year. When you take withdrawals, the taxable portion is generally treated as ordinary income, and withdrawals before age 59½ may be subject to an additional IRS penalty. Always consult a tax professional for guidance on your specific situation.
Who might the Revol One Enduris 10 be a good fit for?
This annuity may be suitable for conservative or moderate investors who want principal protection, are comfortable committing funds for a 10-year period, and value the potential for index-linked growth without direct market exposure. It can also be considered by those who want to convert a portion of their savings into reliable future retirement income.
What should I watch out for before buying?
Key considerations include the length of the surrender period, the impact of surrender charges and market value adjustments, the cost of any optional riders, and how index crediting terms may change over time. Make sure the contract’s liquidity, fees, and features align with your goals and time horizon.
About the Author:
Jason Stolz, CLTC, CRPC and Chief Underwriter at Diversified Insurance Brokers, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
