Revol One Financial launches BreakThrough Annuity Account MYGA

Revol One Financial introduced BreakThrough Annuity Account, a multi-year guarantee annuity for non-qualified funds designed to appeal to savers seeking guaranteed rates and more flexibility than traditional retirement-focused annuities. The product is available in most states and is issued by Revol One Insurance Company.

Why it matters: - BreakThrough Annuity Account is aimed at consumers with after-tax assets who may not have considered an annuity before. - The product is designed to compete for savers comparing guaranteed fixed rates with certificates of deposit. - The structure gives financial professionals a new option for legacy planning and broader financial planning conversations.

What happened: - Revol One Financial launched BreakThrough Annuity Account MYGA on Sept. 8, 2026. - The product is a multi-year guarantee annuity built for non-qualified funds. - Revol One Financial said the launch is intended to expand how consumers think about guaranteed growth solutions.

The details: - BreakThrough Annuity Account is designed for after-tax assets rather than retirement-only planning. - The product is structured differently from a traditional non-qualified tax-deferred annuity. - The contract is not subject to tax deferral or the early withdrawal penalty during the accumulation phase, based on the company’s current understanding of tax law and the contract structure. - The product does not provide tax-deferred accumulation during the accumulation phase. - Interest credited or other taxable amounts during the accumulation phase may be subject to current federal, state or local tax in the year earned. - If the contract is annuitized, the portion of each annuity payment tied to accumulation value is treated as a nontaxable return of investment. - The portion of each annuity payment tied to interest credited after annuity payments begin is taxable income. - The product is issued by Revol One Insurance Company. - BreakThrough Annuity Account is available in most states. - The contract forms include ICC24-RO-DTCM, RO-DTCM-CA, ICC24-RO-TIWR2, ICC24-RO-NHWR2, ICC26-RO-BCR and related forms. - Products and features vary by state. - Surrender charges may apply. - Guarantees depend on the financial strength and claims-paying ability of Revol One Insurance Company. - The product is not FDIC or NCUA insured, not bank or credit union guaranteed, not a deposit, and not insured by any federal government agency.

Between the lines: - Revol One Financial is positioning the annuity as a broader savings tool, not just a retirement income product. - The company is leaning on flexibility and a simpler value proposition to reach consumers who may compare the product with CDs. - The launch also signals a push to give distributors a differentiated product that can open new sales conversations. - The tax treatment and withdrawal rules are more nuanced than a traditional tax-deferred annuity, which may appeal to some savers but will require careful review.

What's next: - Financial professionals and consumers can contact Revol One Financial for additional details. - Prospective buyers are being directed to consult a qualified tax advisor before purchasing. - Revol One Financial said the launch fits its broader plan to bring differentiated products to market quickly. - The company’s marketing materials also point customers to RevolOneFinancial.com for more information.

The bottom line: - Revol One Financial is trying to expand the annuity market by making a MYGA feel more relevant to non-retirement savers who want fixed growth and more flexibility.