AccumRev™
Fixed Index Annuity
Up to 10% Cap Guaranteed on the S&P 500!
A fixed index annuity designed to help grow retirement assets safely and predictably, with principal protection, tax-deferred growth potential, multiple index strategy options, and flexible Lock-In features when timing matters.
- Fixed Strategy plus index-linked growth options tied to the S&P 500® and S&P 500 Dynamic Intraday TCA®
- 5, 7, and 10 year surrender charge periods
- Guaranteed Cap Rate options and Participation Rate options
- Index Lock Rider with manual, upper, and lower lock functionality on eligible strategies
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Product Overview
AccumRev is a fixed index annuity that offers a Fixed Strategy Option, multiple index-linked strategy options, and 5, 7, or 10 year surrender charge periods so allocations can be tailored to retirement goals while helping protect principal from market loss.
Core Product Highlights
- Issue ages: 0–85 for qualified and non-qualified business
- Premium range: $10,000 minimum and $1,000,000 maximum, with higher amounts considered subject to company approval
- Surrender charge periods: 5, 7, and 10 years
- Fixed Strategy Option: Yes; 4.60% on 5-year, 4.80% on 7-year, 4.80% on 10-year
- Annuitization: occurs on the first contract anniversary when the annuitant reaches age 115, with additional annuitization availability in certain Group A states
Available Index Choices
S&P 500 Dynamic Intraday TCA®
1 Year Point-to-Point with 7 Year Guaranteed Cap Rate
Par Rate After 5%
The 5 Year Guaranteed Cap option applies to the 5 and 10 year surrender charge periods, while the 7 Year Guaranteed Cap option applies only to the 7 year surrender charge period.
Why Producers Are Looking at AccumRev
AccumRev combines tax-deferred growth potential, principal protection, multiple strategy choices, guaranteed cap options, and flexible Lock-In functionality designed to help clients respond to changing market conditions.
100% of the Accumulation Value typically grows tax deferred, and initial principal and credited interest are protected from market loss.
Clients can select from multiple Index Strategy Options, including Participation Rate options designed to capture more growth when markets perform well.
Two Guaranteed Cap Index Strategy Options lock in a Cap Rate at contract issue and keep it fixed over either a 5 year or 7 year guarantee period, subject to the applicable strategy rules.
The Index Lock Rider allows eligible Participation Rate strategies to use a manual lock, an automatic upper lock threshold, or an automatic lower lock threshold.
Free Partial Surrenders are available annually, and surrender charges and MVA may also be waived for qualifying nursing home confinement, terminal illness, and applicable RMDs.
Upon death, the Accumulation Value is paid to the beneficiary, subject to contract terms and any applicable premium tax recoupment.
Current Rate Snapshot
Effective April 13, 2026, the rate sheet shows the following sample AccumRev rates by surrender charge period.
Guaranteed Cap Rate
1 Year Point-to-Point Cap Rate
The full rate sheet includes additional guaranteed cap and participation rate options for both available indices. Rates are subject to change.
Index Lock Rider
When markets move, timing matters. With the Index Lock Rider, eligible Participation Rate strategies can lock in an index crediting rate once during each index strategy term.
Lock in the current index crediting rate on the effective date of the request.
Set a threshold that automatically locks when the index value supports a crediting rate at or above the chosen level.
Set a lower threshold that automatically locks if a positive lockable crediting rate declines to or below the chosen level.
Important Lock Notes
The Lock feature is available for the Par Rate and Par Rate After 5% and 10% Index Strategy Options. It is not available for funds allocated to Fixed, Cap Rate, or Guaranteed Cap Rate options.
Lock requests must be received in good order before market close to be effective that day. Locks are based on the closing value, not the intraday value, and once activated cannot be changed for that strategy term.
Access to Funds
AccumRev includes several ways clients may access value without triggering standard surrender treatment, subject to contract terms and rider requirements.
Up to 10% of initial premium may be taken annually, beginning at contract issue. The available free amount each year is the greater of the Free Partial Surrender amount or the required minimum distribution for the annuity.
IRS Required Minimum Distributions can be taken without incurring a surrender charge, limited to the RMD amount applicable to the Revol One annuity.
Surrender charges and MVA may be waived if qualifying nursing home confinement requirements are met, including timing and proof requirements described in the rider language.
Surrender charges and MVA may be waived if the contract owner becomes terminally ill or injured in a way that they are not expected to live more than 12 months, subject to rider terms and state variation.
State Availability
Effective April 13, 2026, AccumRev is shown as available in most states. The state availability sheet shows it unavailable in California, Montana, New Mexico, Vermont, and West Virginia, and not authorized in New York.
Product Resources
Download the AccumRev materials below.
Product availability and features are subject to state variations and change. Rates are subject to change.
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