RevolOne AccumRev Fixed Indexed Annuity

The Index Lock Rider is one of the most distinctive features of the AccumRev FIA — it allows policyholders to lock in a crediting rate mid-term rather than waiting for the end-of-term index calculation. In a standard FIA without this feature, you observe the index growing throughout the term but cannot capture those gains until the term ends; if the index pulls back sharply in the final weeks of the term, a year of positive performance can be significantly reduced. The Index Lock solves this by allowing you to secure a current crediting rate on demand, subject to the once-per-term-per-strategy limitation. The rider is available only on the participation-rate-based strategies — Par Rate, Par Rate After 5%, and Par Rate After 10% — and is not available on the Fixed Strategy Option, Cap Rate strategies, or the Guaranteed Cap Rate strategies. Three activation methods are available: the manual lock, which you initiate at any time you choose; the Automatic Upper Lock, which triggers automatically when the crediting rate reaches a target you specify in advance without requiring daily monitoring; and the Automatic Lower Lock, which activates automatically to protect remaining credits if the rate falls to a defined floor, providing downside protection for gains accumulated earlier in the term. All three methods can be configured independently for each eligible strategy option. For specific details on the lock activation process, timing requirements, and any applicable restrictions, the AccumRev FIA product brochure should be reviewed carefully before relying on the feature as part of a retirement accumulation strategy.

A standard participation rate strategy credits a defined percentage of all positive index return during the term — if the S&P 500 returns 8% and the participation rate is 60%, the credited interest is 4.8% (60% of 8%). The Par Rate After 5% and Par Rate After 10% strategies work differently: the participation rate is applied only to the portion of index return that exceeds the stated threshold. For Par Rate After 5%: if the index returns 12%, the participation rate is applied to 7% (the amount above the 5% threshold). For Par Rate After 10%: if the index returns 15%, the participation rate is applied to 5% (the amount above the 10% threshold). In weak or modest market years — say, an 8% index return under the Par Rate After 10% strategy — there may be zero credited interest because the index did not clear the 10% threshold. The value of these strategies becomes apparent in strong equity markets where the index significantly exceeds the threshold: in that scenario, the amount above the threshold can be larger, and when multiplied by a participation rate that may be higher than a standard Par Rate, the credited interest can be substantially greater than what a standard participation rate or cap rate strategy would produce. These strategies are appropriate for clients who are comfortable accepting zero credits in modest return years in exchange for the potential for meaningfully higher credits in strong return years — a different risk-reward profile than standard cap or participation rate designs. The Index Lock Rider is available on both threshold strategies, allowing the owner to capture and secure a favorable mid-term credit without waiting for the full term to end.

The core difference between a Guaranteed Cap Rate strategy and a standard Cap Rate strategy in the AccumRev is rate certainty over time versus potentially higher initial rates with annual renewal uncertainty. In a standard Cap Rate FIA, the carrier sets the cap at issue and renews it annually — the carrier may reduce the cap at each annual renewal if market conditions, interest rates, or competitive pricing warrant a change. This means the cap you see in a first-year illustration may be lower by years two or three, making long-term projections less reliable. The Guaranteed Cap Rate strategies in the AccumRev lock in the cap at the time of contract issue and guarantee that cap for the full 5-year or 7-year guarantee period — covering five or seven consecutive 1-year crediting terms at the same cap rate, with no risk of the carrier reducing it during that window. For clients who want the ability to model long-term accumulation scenarios with a high degree of confidence in the crediting parameters, the Guaranteed Cap Rate strategies provide that certainty. The trade-off is that initial rates on guaranteed-period strategies are sometimes lower than the initial rate on an annually renewable cap of the same product, because the carrier is taking on the multi-year rate commitment. One important mechanical note: allocations to Guaranteed Cap Rate strategies are available only at contract issue — no transfers or reallocations into or out of these strategies are allowed during the surrender charge period. This makes the choice of whether to use a Guaranteed Cap Rate strategy a permanent commitment that should be evaluated at application rather than after the contract is in force.

The AccumRev’s free partial surrender provision begins at contract issue — policyholders can withdraw up to 10% of the initial premium without surrender charges or MVA from the very first day of the contract, not after a waiting period. This is a meaningful liquidity advantage compared to many competing FIA products that do not allow free withdrawals until after the first contract anniversary, effectively making the first year a complete lock-in period with no penalty-free access at all. The practical impact is most significant for clients who purchase the contract shortly before an anticipated modest liquidity need — rather than needing to time the purchase around a first-anniversary window, the AccumRev provides immediate access to the standard 10% free amount. For clients funding the contract with IRA assets who are already subject to required minimum distributions, the day-one free withdrawal provision eliminates any concern about a first-year RMD creating a surrender charge — RMDs are also explicitly treated without surrender charges or MVA. The 10% free withdrawal is based on the initial premium, not the growing accumulation value — so the accessible amount is fixed at 10% of what you deposited rather than growing as the contract value grows through index credits.

Joint ownership in the AccumRev is permitted for lawfully married spouses, and the death benefit provisions under joint ownership differ meaningfully from single-owner contracts. Upon the death of the first spouse under joint ownership, the surviving spouse is required to continue the contract rather than having the option to receive the death benefit as a distribution. This is a contractually mandated continuation — not an elective spousal continuation option — which means the surviving spouse inherits the contract and its ongoing terms, including any remaining surrender charge period, the existing strategy allocations, and the accumulation value. The required continuation design ensures the contract remains in force for the surviving spouse’s benefit rather than triggering a taxable distribution event at the first death. The surviving spouse then owns the contract and may manage it according to its terms — making allocation decisions at the end of crediting terms, exercising Index Lock elections, and eventually accessing the funds through free withdrawals, annuitization, or at the end of the surrender charge period. Clients who prefer the option to receive the death benefit as a lump sum at first death rather than being required to continue the contract should evaluate whether joint ownership is the appropriate structure for their estate planning objectives, or whether individual ownership with beneficiary designation better serves their goals.

Revol One Insurance Company holds an AM Best Financial Strength Rating of B++ (Good) with a Positive outlook — the Positive outlook indicating that AM Best believes an upgrade is more likely than a downgrade based on the company’s current trajectory. B++ is a legitimate Good rating reflecting strong balance sheet strength and appropriate enterprise risk management, per AM Best’s assessment. It is below the A-range threshold that many financial advisors consider a preferred minimum for long-term annuity placements, particularly for large amounts or long surrender periods. The Positive outlook from AM Best is a meaningful positive signal: it suggests the company’s financial trajectory supports a potential rating upgrade, which if realized would bring the carrier closer to the A- level common among mid-tier FIA carriers. Practical guidance for evaluating the B++ carrier in this specific context: the lower the dollar amount being placed and the shorter the surrender period selected, the less consequential the carrier rating difference between B++ and A-rated competitors becomes. For a $25,000 IRA rollover into the 5-year AccumRev, the B++ rating combined with state guaranty association coverage limits the practical financial risk meaningfully. For a $200,000 non-qualified placement into the 10-year version, the carrier rating warrants a more thorough comparison against A-rated FIA alternatives. The product mechanics of the AccumRev — Index Lock Rider, threshold participation strategies, Guaranteed Cap Rate options, and day-one free withdrawals — represent a genuine differentiator that may justify placement for appropriate buyers even alongside the B++ carrier context. Our resource on what an AM Best rating means covers how to interpret rating levels and what they imply for claims-paying ability in practical terms.

The choice among the 5-, 7-, and 10-year surrender charge periods in the AccumRev should be driven by your genuine commitment horizon — how long you can realistically leave the bulk of the premium in place relying only on the 10% annual free withdrawal and health event waivers for liquidity — rather than by a desire to select a longer period for its potential rate advantages alone. The 5-year period is appropriate for clients with a nearer-term planning horizon, those approaching a specific financial decision point within five years, or those who want the shorter-term protection against market loss without a decade-long commitment. The 7-year period suits clients with a medium accumulation goal who want meaningful compounding time while keeping the commitment more limited than 10 years. The 10-year period is appropriate for clients with the longest accumulation horizon, highest confidence that the committed funds will not need to be accessed beyond the free withdrawal provision for a decade, and who want the maximum compounding runway for the guaranteed cap or participation rate strategies. Longer surrender periods in FIA products often carry more favorable crediting terms — higher caps or participation rates — because the carrier can support those rates with a longer commitment. The 5-year and 7-year Guaranteed Cap Rate strategies offer multi-year rate certainty across those shorter surrender periods, which makes them particularly relevant for the 7- or 10-year surrender version where the Guaranteed Cap can run for a full 7-year window without reset. A personalized illustration showing projected accumulation under each surrender period at current rates — using your specific premium, age, and index strategy allocations — is the most reliable basis for this decision.

The S&P 500 Dynamic Intraday TCA (Transaction Cost Aware) Index is a proprietary index licensed to Revol One Insurance Company by S&P Dow Jones Indices. It is not the same as the standard S&P 500, which simply tracks the performance of 500 large U.S. companies. The Dynamic Intraday TCA index incorporates a dynamic allocation mechanism that adjusts the index’s equity exposure based on intraday market conditions, using transaction cost signals to modulate risk exposure over the course of the trading day. Like other volatility-controlled and risk-aware index designs used in the FIA market, the Dynamic Intraday TCA index typically targets a smoother return profile than the uncontrolled S&P 500 benchmark — less extreme in both the upside and the downside compared to a year-over-year movement in the plain S&P 500. This smoother profile can translate to more consistent positive credits across different market environments, but it also means that the peak credits in exceptional equity years are typically lower than what a plain S&P 500 strategy might produce in the same year. The practical consideration for AccumRev buyers is that the two index options — standard S&P 500 and S&P 500 Dynamic Intraday TCA — offer different risk-return profiles for the crediting strategies, and diversifying across both index types within the contract can provide exposure to both the more direct equity participation of the standard S&P 500 and the risk-managed approach of the Dynamic Intraday TCA. Specific cap rates, participation rates, and threshold amounts for strategies based on each index will be shown in the current rate sheet and personalized illustration.