Revol One DirectGrowth MYGA Review (2026), Full 3/5/7/10-Year Family
Written & reviewed by Hans Goldstein, EA, Independent Licensed Insurance Producer · CA license 4273294 · NPN 20602398Admitted to practice before the IRS
Independently reviewed & last updated 2026-09-25
Short answer
What are Revol One DirectGrowth MYGA rates?
With base rates effective September 1, 2026 (checked September 25, 2026), Revol One DirectGrowth paid 6.00% for 3 years, 6.15% for 5 and 7 years, and 6.25% for 10 years, with a $10,000 minimum. Adding the enhanced death benefit or free partial surrender rider lowers each rate by 0.10%. Revol One is rated B++ by AM Best, so keep deposits within your state guaranty association limit.
The rate is guaranteed for the term, backed by the claims-paying ability of the issuing insurer.
Quick take: Revol One's DirectGrowth comes in 3/5/7/10-year base + Enhanced Death Benefit + Free Partial Surrender variants. B++ rating. Base rates effective 9/1/2026: 6.00% (3-year), 6.15% (5 and 7-year), 6.25% (10-year).
| Term | Base | Enhanced Death Benefit | Free Partial Surrender | Both riders |
|---|---|---|---|---|
| 3-year | 6.00% | 5.90% | 5.90% | 5.80% |
| 5-year | 6.15% | 6.05% | 6.05% | 5.95% |
| 7-year | 6.15% | 6.05% | 6.05% | 5.95% |
| 10-year | 6.25% | 6.15% | 6.15% | 6.05% |
$10,000 minimum. Base rates per AnnuityAdvantage (3 and 10-year effective 9/1/2026) and public carrier rate sheets via MyAnnuityStore (last change 9/1/2026). AM Best B++.
Rates expire like milk.
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CD vs MYGA, after tax
What $100,000 earns in 5 years: CD vs MYGA, after tax
Rates used: CD 5.00%, the top nationally available 5-year CD (Bankrate, October 14, 2026); change it to the rate you are offered. MYGA 5.95%, the best A-rated rate we track as of October 13, 2026: Delaware Life Pinnacle Plus 5-year (AM Best A-, negative outlook, 7/31/2026), $100,000 and up, effective October 6, 2026 (Delaware Life rate sheet).
| CD, interest taxed every year | $121,081 |
|---|---|
| MYGA, tax-deferred, before tax | $133,507 |
| MYGA after paying tax on all the interest at withdrawal | $126,136 |
| Tax deferral alone adds about | $674 |
| MYGA ahead of the CD, after tax | $5,055 |
Assumes 22% federal and 0% state income tax, no withdrawals, rates held for the whole term. MYGA interest is taxed as ordinary income when you withdraw it, not as capital gains. Gains taken before age 59 1/2 can owe a 10% IRS penalty, and cashing out early can cost a surrender charge.
In an IRA both grow tax-deferred, so the edge there is the rate alone. Bank and credit union deposits are FDIC or NCUA insured up to the limits; a MYGA is backed by the issuing insurer's claims-paying ability and your state's guaranty association up to its limits, not the FDIC. General education, not tax, legal or financial advice.
Ratings (independent third-party)
| Rating Agency | Grade |
|---|---|
| AM Best | B++ |
| S&P | n/a |
| Moody's | n/a |
| COMDEX (composite, 0-100) | n/a |
Hans is independently licensed and is NOT specifically appointed to discuss or sell Revol One Financial products. Rates checked 9/25/2026 on AnnuityAdvantage and public carrier rate sheets via MyAnnuityStore.
DirectGrowth MYGA family: every variant compared (rates effective 9/1/2026)
Revol One Financial sells DirectGrowth at 3, 5, 7 and 10-year terms, each in four versions:
1. DirectGrowth base: standard MYGA
2. DirectGrowth Enhanced Death Benefit: adds full account value death benefit (no MVA at death)
3. DirectGrowth Free Partial Surrender: adds interest-as-free-withdrawal feature (a fourth version stacks both riders)
Full rate matrix (rates effective 9/1/2026)
| Variant | Term | Rate | Free Withdrawal | Death Benefit | Min Premium |
|---|---|---|---|---|---|
| DirectGrowth 3 | 3 yrs | 6.00% | 0%/0% | Standard | $10K |
| DirectGrowth 5 | 5 yrs | 6.15% | 0%/0% | Standard | $10K |
| DirectGrowth 5 Enhanced Death Benefit | 5 yrs | 6.05% | 0%/0% | Full AV (no MVA) | $10K |
| DirectGrowth 7 | 7 yrs | 6.15% | 0%/0% | Standard | $10K |
| DirectGrowth 7 Enhanced Death Benefit | 7 yrs | 6.05% | 0%/0% | Full AV (no MVA) | $10K |
| DirectGrowth 7 Free Partial Surrender | 7 yrs | 6.05% | Int / Int | Standard | $10K |
| DirectGrowth 10 | 10 yrs | 6.25% | 0%/0% | Standard | $10K |
| DirectGrowth 10 Enhanced Death Benefit | 10 yrs | 6.15% | 0%/0% | Full AV (no MVA) | $10K |
| DirectGrowth 10 Free Partial Surrender | 10 yrs | 6.15% | Int / Int | Standard | $10K |
The trade-off math
Each rider option costs 10 basis points off the base rate (6.15% → 6.05% on the 5-year); stacking both costs 20 bps. Whether the rider is worth it depends on your situation:
| If you... | Pick |
|---|---|
| Want maximum yield + don't need liquidity + don't worry about death-time MVA | Base DirectGrowth |
| Are 70+ and worry about leaving full account value to heirs at death | Enhanced Death Benefit |
| Want access to credited interest without surrender penalty | Free Partial Surrender |
| Want both? | Stack them (the combined version pays 20 bps under base, e.g. 5.95% on the 5-year) |
B++ rating context
Revol One Financial is rated B++ by AM Best. That's one notch below A- (the floor most advisors use). Same rating analysis as other B++ MYGAs applies:
• State guaranty fund covers principal up to $250K typical (NY $500K)
• Carrier failure probability is materially higher than A-rated peers (still low absolute)
• You're paid ~25-50 bps yield premium for taking the rating risk
Pros
- Comprehensive product family, pick the exact term + rider combo you want
- Rates effective 9/1/2026 of 6.00% to 6.25% across all four terms (3/5/7/10)
- Two genuinely useful riders (Enhanced Death Benefit + Free Partial Surrender)
Cons
- B++ rating (below A- floor)
- No free withdrawal in the base product
- No free withdrawal in the base product (0%/0% means surrender charges apply on any withdrawal, that's why the Free Partial Surrender variant exists)
Best for
Yield-maximizers who want to diversify across multiple B++ MYGAs at multiple terms and stay under state guaranty fund coverage limits.
My take
Revol One's DirectGrowth comes in 3/5/7/10-year base + Enhanced Death Benefit + Free Partial Surrender variants. B++ rating. Base rates effective 9/1/2026 run 6.00% to 6.25%. Get a second opinion before signing, most agents only sell one or two carriers and will frame whatever they sell as "the best." We don't.
About Hans Goldstein: Independent retirement income specialist. CA Life License #4273294. NPN #20602398. Reviews 30+ carriers. Phone: 213-414-2808. Email: [email protected].
Goldstein Complexity Index
Every annuity I review gets a complexity score from 0 to 100. Higher means harder to understand. Complexity is where buyers get hurt: riders they didn't know they were paying for, surrender charges that surprise them, and income "benefit bases" they took for cash. SPIAs and MYGAs score low. Products that stack a bonus, an income rider, an MVA and several crediting options score high.
This product's score: 11/100, Grade A+ (Transparent)
Easy to understand. Few moving parts. The buyer can fully explain the product to a friend after one read of the contract.
Score breakdown
| Dimension | Score (1-10) | What this measures |
|---|---|---|
| Riders | 2/10 | How many riders, optional or built in (income, death benefit, LTC). Each one adds cost and one more thing to understand. |
| Crediting strategies | 1/10 | How many index options (cap, spread, participation rate, step rate, volatility-controlled indices). More choices are harder to follow. |
| Surrender complexity | 5/10 | Length of the surrender period, plus any MVA and bonus recapture. The longer and more layered it is, the harder it is to know what leaving early costs. |
| Benefit-base separation | 1/10 | Whether there is a separate income base ("PIV") that is not cash but looks like it. This causes more buyer confusion than anything else. |
| Bonus structure | 1/10 | A premium bonus with a recapture schedule. The bonus is real, but you can lose part of it if you leave early. |
How to read this
- A+/A (0-40): Easy to understand. A pure accumulation FIA, a MYGA or a SPIA. Little room for mis-selling.
- B (41-60): Read the contract carefully and get a second opinion before signing. Income riders cause most of the confusion.
- C (61-80): Many owners don't fully understand what they bought. Common mis-sells: a bonus presented as cash, a benefit base presented as account value, surrender charges glossed over.
- D (81-100): Get an independent second opinion before signing. The product may still fit you, but the odds you later say "I didn't know it worked that way" are high.
Why it matters: nobody gets sued for selling a complicated product, but buyers regret them all the time. An annuity that wins your money in year one and confuses you for the next 14 is worse than a simpler one you understood from the start. Simple products are easier to check.
How a MYGA works, in plain terms
A MYGA (Multi-Year Guaranteed Annuity) works like a CD from an insurance company. You give the carrier money for a fixed term (3, 5, 7, or 10 years). The carrier guarantees a specific interest rate for that entire term. At maturity, you get your money plus accumulated interest back, or you renew or convert to another product.
The math (MYGA rate as of October 14, 2026, CD rate as of September 24, 2026):
• Put $100,000 in a 5-year MYGA at 5.50%, the low end of what A-rated carriers paid (public carrier rate sheets)
• At year 5 maturity: ~$130,700 (compound growth, no tax until withdrawal)
• Same $100K in a 5-year CD at 4.50% APY, the top national rate (DepositAccounts), taxed each year at 24%: ~$118,300
Why MYGA beats CD:
• Higher rate (about 1.0 to 1.7 points over the best 5-year CDs on September 24, 2026)
• Tax-deferred growth (you owe tax only at withdrawal)
• Terms out to 10 years at a fixed rate
The trade-off:
• Surrender charges if you withdraw before maturity (5-10% typical)
• Free withdrawal of 10% per year (usually) for emergencies
• Locked-in rate for the term, if rates rise after you buy, you're stuck at the lower rate
• IRS 10% penalty on gain portion if withdrawn before age 59½
The only "fee" is built into the contract, no separate annual fee.
Quick MYGA FAQ
Q: Is a MYGA safer than a CD?
A: Both are safe at the retail level. CDs are FDIC-insured (federal); MYGAs are state guaranty fund covered (state). Coverage limits are similar (~$250K).
Q: What happens at maturity?
A: You typically have 30 days to elect: renew at the carrier's then-current rate, withdraw cash, transfer (§1035) to a different annuity, or annuitize for lifetime income. Don't miss the window, many carriers auto-renew if you don't elect.
Q: Can I §1035 exchange to a different MYGA at maturity?
A: Yes, tax-free direct transfer to a new annuity, including a different carrier offering better rates.
Q: What about MVA (Market Value Adjustment)?
A: Some MYGAs have MVA. If you surrender early when rates have RISEN, MVA reduces your surrender value further. If rates have FALLEN, MVA can increase it.
Q: Should I ladder MYGAs?
A: For larger purchases, yes. Splitting across 3-year, 5-year, 7-year locks in rates at multiple maturity dates and gives flexibility to capture future rate moves.
Q: How is MYGA interest taxed?
A: Inside the contract: tax-deferred. At withdrawal (non-qualified): only the gain is taxable as ordinary income. Inside an IRA: standard IRA rules apply.
Q: Can I lose money on a MYGA?
A: Not from market loss (no market exposure). You CAN lose money from early surrender charges + MVA. Stay to maturity = guaranteed return.
Q: Is the rate locked for the full term?
A: Yes. Some MYGAs have a "1-year rate" then "renewal rate" structure, be sure you understand whether the full term is at one rate or steps down.
Get a second opinion before you sign
Talk to Hans Goldstein, a licensed independent insurance producer.
MYGAs lock in your rate for the full term. Before you commit, is this carrier's rate actually competitive vs. the full market? Is the rating tradeoff worth it? Before signing, get an independent review of the rate, surrender schedule, and carrier strength.
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Rather talk it through? Or book 15 minutes on Hans’s calendar, or call 213-414-2808.
Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer appointed with multiple A-rated carriers
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Disclosure
This review is based on the carrier's public product materials and rates as of the date shown above. Annuity rates, caps, participation rates, payout factors, crediting methods, and long-term care benefit structures change often, sometimes monthly. Confirm current figures in the latest carrier disclosure and the contract before you buy. This is general education, not a personal recommendation or an offer of any product. Hans Goldstein is an independent licensed insurance producer (CA license 4273294, NPN 20602398) appointed with several A-rated carriers. His appointment with the carrier reviewed here may vary, and this review is not an endorsement. No carrier paid for this review. Always read the actual contract and consult a licensed advisor before purchasing any annuity or long-term care insurance product. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies are long-term contracts with surrender charges; they are not suitable for funds you may need before the end of the surrender period. AM Best ratings and tax treatment are subject to change. Tax discussion of IRC §7702B, §1035, and the Pension Protection Act of 2006 reflects law as of 2026 and is subject to change.