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BreakThrough Annuity (CA Only)
BreakThrough Annuity (CA Only)
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Our clients typically get 23% more income than their first quote.
About Product
Premium Type
Single Premium with Additional
Fee withdrawal:
None
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Types Of Funds
Non-Qualified
Launch Date
08/03/2026
MYGA Interest Rates
| Term |
Rate
Annual percentage yield (APY)
earned over the investment term |
|---|---|
| 3 years | 6% |
| 5 years | 6.25% |
| 7 years | 6.2% |
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
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
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
- The Accumulation (or Guaranteed Minimum Cash Surrender Value, if greater) is available to your beneficiary upon your death.
- 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).
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.
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.
Year by Year Account Balance
Understand how your money will increase when invested in BreakThrough Annuity (CA Only).
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Riders
No Riders for BreakThrough Annuity (CA Only) annuity.
Waivers
Surrender Window
There are no surrender charges during the first 30 days of each subsequent surrender charge period following renewal.
Company Founded: 1980
Good Rated
Company
Company Ratings
4.7
- A.M. Best B++
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