BreakThrough Annuity

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About Product

Premium Type

Single Premium with Additional

Fee withdrawal:

None

Market Value Adjustment

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Types Of Funds

Non-Qualified

Launch Date

09/01/2026

BreakThrough is a Multi Year Guarantee Annuity, often referred to as a MYGA, is a fixed annuity designed for long term financial goals. Your principal grows at a guaranteed fixed interest rate for your chosen term. With a MYGA, you also have the option to receive a guaranteed income stream.

Premiums

Minimum Premium - $10,000 (Non-Qualified funds)
Maximum Premium - $1,000,000 (higher amounts will be considered and require company approval)
Revol One will accept additional premium payments up to the amount of your initial premium on the same contract during the first 30 days after issue
No premiums are accepted on the same contract after this time period

Benefits of BreakThrough Annuity
Guaranteed rates

Your fixed interest rate is guaranteed for the period you select: 3, 5, 7 or 10 years. Choose the interest guarantee period that fits into your personal financial plan.

Death benefit

A core death benefit equal to the Cash Surrender Value (or Guaranteed Minimum Cash Surrender Value, if greater) is available to your beneficiary upon your death.
If the Enhanced Death Benefit Rider is elected for a reduced guaranteed fixed interest rate, the death benefit is equal to the Accumulation Value (or Guaranteed Minimum Cash Surrender Value, if greater).
Any beneficiary – not just spouses – may continue the contract upon death of the original Contract Owner.

Principal protection

Your principal and interest earnings are protected, regardless of what happens to the markets.

Tax structure

The BreakThrough Annuity Account has a unique tax structure. Interest is taxed annually as it is earned – similar to how a CD is taxed. Gains on withdrawals prior to age 59 ½ are not subject to the IRS 10% early withdrawal penalty.

Free withdrawals
If the Free Partial Surrender Rider is elected for a reduced guaranteed fixed interest rate, you can withdraw up to your interest earnings potential each year (based on your Accumulation Value at the start of the year multiplied by the guaranteed fixed rate).

Market Value Adjustment (MVA)
The BreakThrough Annuity comes with a MVA. The MVA applies only when the Surrender Charge applies. The MVA could increase or decrease the amount you receive from full or partial surrenders, depending on certain market interest rates.

If certain interest rates decrease, the MVA will be positive. A positive MVA increases the withdrawal amount or Cash Surrender Value.
If certain interest rates increase, the MVA will be negative. A negative MVA decreases the withdrawal amount or Cash Surrender Value.
The Cash Surrender Value will never be less than the Guaranteed Minimum Cash Surrender Value.

Annuitization and Payment Options

Life with 5-Years Period Certain
Life with 10-Years Period Certain
5-Years Period Certain
10-Years Period Certain
Annuitization Value applied to annuitization. The Annuitization Value before annuity payments begin equals the Accumulation Value less any Surrender Charges and taxes payable but not previously deducted.