Enduris 10 Bonus FIA

The Enduris 10 Bonus FIA is a truly secure, dependable choice. It offers sure growth for your retirement nest egg and a very attractive bonus on initial funding - a winner for a comfy future!

With flexible access to funds and guaranteed returns, it takes the worry out of retirement planning. No stress, just confident cruising into your golden years. This is a golden ticket to serene retirement!

Revol One Insurance Company (formerly Pavonia Life)
Enduris 10 Bonus FIA-brochure Enduris 10 Bonus FIA-brochure

Enduris 10 Bonus FIA

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About Product

Type
Fixed Index
Purpose
Accumulation
Premium Bonus
16%
Term
10 Years
Surrender schedule
9%9%8%7%6%5%4%3%2%1%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, IRA, Spousal IRA, IRA Rollover, IRA Transfer, IRA-Roth, and 1035 Exchange
Launch Date
07/25/2024
Enduris 10 Bonus is a long-term contract designed to help achieve future financial milestones. Your funds grow tax deferred, are protected from market downturns and provide you the flexibility to distribute your premium dollars among the fixed interest or available S&P 500 indexed interest options.

Jump start retirement planning with a boost from a Premium Bonus
The Enduris 10 Bonus immediately provides a premium bonus, subject to a vesting schedule. As your Accumulation Value increases, the Bonus Value will also increase. This continues until your Accumulation Value is fully vested after 10 years. There is no fee for the Premium Bonus. 

The Enhanced Participation (EPAR) Indexed Interest Options offer additional upside growth potential.
The EPAR Indexed Interest Options offer you the chance to capture a greater percentage of growth if the S&P 500 Index performs well during the option period. 
Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.75% Fixed
1-Year S&P 500 PTP Enhanced Participation Rate (EPAR)
Threshold Part Rate
Annual
20% Participation
2-Year S&P 500 PTP Enhanced Participation Rate (EPAR)
Threshold Part Rate
Biennial
20% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
6% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
12% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
30% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
40% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%

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Riders

No Riders for Enduris 10 Bonus FIA annuity.

Waivers

Death

Surrender Charges do not apply to the death benefits paid. The Death Benefit will not be reduced by any negative MVA. Any positive MVA will be added to the Death Benefit.

Nursing Home

The Bonus Accumulation Value becomes fully vested and Surrender Charges and MVA will be waived if one of the following events occurs: 1. The Contract Owner becomes confined to a nursing home for at least 90 consecutive days on or after the Contract Date; 2. The Contract Owner is confined for a total of at least 90 days if there is no more than a 6-month break in the confinement and the confinements are for related causes.

Terminal Illness

The Bonus Accumulation Value becomes fully vested and Surrender Charges and MVA will be waived if: The Contract Owner becomes terminally ill or injured in such a way that they are not expected to live more than 12 months.

Premium Notes

Premium
You can purchase an Enduris 10 Bonus FIA with a minimum single premium of $10,000 for qualified and non-qualified funds.

Issue Ages
18 - 80 (Qualified and Non-Qualified funds)

Free Look Period
30 days 

Withdrawal Provisions

Free Partial Withdrawals
10% of the Accumulation Value may be withdrawn each contract year, after the first contract year, without incurring Surrender Charges or MVA. Free partial withdrawals are taken from the base Accumulation Value and will reduce the bonus level to equal 16% of the new lower base Accumulation Value.

RMDs
The Contract Owner can access IRS Required Minimum Distributions without incurring a Surrender Charge. RMDs are taken from the base Accumulation Value and will reduce the bonus level to equal 16% of the new lower base Accumulation Value.

Market Value Adjustment (MVA)
The Enduris 10 Bonus FIA comes with a Market Value Adjustment. The MVA applies only when the Surrender Charge applies. The MVA could increase or decrease the amount you receive from Surrender or a withdrawal in excess of the free amount, depending on certain market interest rates.

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