Is Revol One a good annuity company?
It can work well for a specific kind of buyer, but it is not for everyone. AM Best rates Revol One B++ (Good), one full step below the A- floor that many advisors treat as a minimum for new annuity purchases. In exchange, the DirectGrowth and BreakThrough MYGA lineup frequently prices ahead of higher-rated competitors on guaranteed rate. If you understand and accept that rating tradeoff, or you want to blend Revol One into a MYGA ladder alongside stronger-rated carriers, it is worth pricing. If A- or better is a hard requirement for you, look elsewhere.
Revol One at a glance
| AM Best rating | B++ (Good) |
|---|---|
| Products offered | Multi-year guaranteed annuities: the DirectGrowth, BreakThrough and Excelera Plus series |
| Headquarters | Michigan |
| States available | A select group of states, varies by product |
| Minimum premium | $10,000 on most terms; $50,000 on Excelera Plus |
| Customer service phone | 1-833-573-8665 |
Where Revol One sits on the AM Best scale
B++ is grade 5 of 13. Most buyers look for A- or better for a long-term contract.
- A++
- A+
- A
- A-
- B++Revol One
- B+
- B
- B-
- C++
- C+
- C
- C-
- D
Today's rates for Revol One
Rates change often and vary by state, term and deposit size. Get today's numbers for your state, side by side with other top-rated carriers. Free, with no obligation.
Revol One's financial strength
Revol One Financial is a Michigan-domiciled carrier built specifically around competitively priced multi-year guaranteed annuities, sold through independent agents rather than direct to consumers. AM Best affirmed the company at B++ (Good) in March 2025, with the outlook on its long-term issuer credit rating revised to positive, a notch below the A- level that many buyers use as their cutoff. That is typical for a young carrier that has not yet had time to build the scale and track record behind an A-range grade, and it does not by itself signal any current financial trouble.
Because AM Best is the only major agency that rates Revol One, there is no second data point to weigh alongside it, which is worth factoring into your own comfort level. Regulatory oversight runs through the state of Michigan, and like every licensed carrier, Revol One's contracts get a backstop from your own state's guaranty association up to a set dollar limit. Coverage amounts differ from state to state, so check yours before assuming a specific number.
What annuities does Revol One sell?
Revol One's entire shelf is built around one idea: a straightforward, fixed-rate MYGA sold under a few different names and configurations rather than a wide product family.
- DirectGrowth is the flagship series, offered in 3, 5, 7 and 10-year terms with no market exposure and a rate that locks for the full term.
- BreakThrough runs the same term lengths and functions much like DirectGrowth, giving agents a second branded option to place the same underlying contract structure.
- Excelera Plus targets larger deposits, with a $50,000 minimum and its own separate rate tier.
- Several versions across the lineup add an enhanced death benefit or a free partial surrender feature, and California has its own state-specific versions of multiple products.
Because rates move often and depend on your state and deposit size, we do not print them here. Use the rate box on this page to pull today's numbers, or run a hypothetical scenario through our MYGA calculator.
Revol One has leaned hard into pricing this lineup to compete with, and in many terms beat, carriers rated a full grade or more above it. For a buyer who understands and accepts the rating tradeoff, that makes DirectGrowth and BreakThrough worth a look next to the A-range field.
How does Revol One compare with other MYGA carriers?
Before you commit to any single MYGA issuer, line up three to five options side by side. A few things worth checking every time:
- AM Best rating. Most advisors treat A- as the floor for a new purchase; decide where your own comfort level sits.
- Guaranteed rate and term. Even a small rate gap adds up over a five- to ten-year contract.
- Surrender schedule. Know exactly when your money becomes accessible without a penalty.
- Free withdrawal allowance. Most MYGAs let you take out roughly 10% a year with no charge.
A common approach with a carrier like Revol One is to build a ladder: place part of your money with a top-rated carrier for safety, and use a higher-yielding, lower-rated MYGA like DirectGrowth for a portion of the total, so your blended risk stays reasonable while your overall yield improves.
Contact Revol One Financial
| Contact method | Details |
|---|---|
| Website | www.revolone.com |
| Customer service | 1-833-573-8665 |
| Mailing address | Revol One Financial, Michigan |
| Hours | Monday through Friday, 9 a.m. to 5 p.m. ET |
Pros and cons
Pros
- DirectGrowth and BreakThrough rates frequently compete with carriers rated A- or better
- A simple, single-purpose product shelf built entirely around MYGAs
- Optional riders, including an enhanced death benefit and a free partial surrender feature, let you tailor a contract
- State guaranty association backing applies here the same as with any other regulated carrier
Cons
- B++ (Good) sits one full notch below the A- floor many advisors recommend as a minimum
- A newer entrant without the long track record of established MYGA issuers
- Sold in a narrower set of states than national carriers
- AM Best is the only agency that rates the company, with no second opinion available
Frequently asked questions
Is Revol One a safe company for annuities?
Safe is relative. A B++ rating from AM Best does not signal financial distress, but it does sit below the A-range floor that many financial professionals recommend for a new annuity purchase. Layered on top of that, your state's guaranty association provides a backstop up to a state-set limit if a carrier were ever to fail, though that protection is a safety net rather than a reason to skip checking the rating yourself.
What types of annuities does Revol One offer?
Only multi-year guaranteed annuities, sold through independent agents under the DirectGrowth, BreakThrough and Excelera Plus names. Terms, optional riders and state availability vary, and rates move often enough that you should always confirm the current numbers before applying.
How do I buy a Revol One annuity?
Revol One sells exclusively through licensed independent agents, not directly to the public. We can quote its current MYGA rates alongside other top-rated carriers so you can weigh the rating tradeoff against the extra yield before you decide.
Written and reviewed by
James Forren Warren
Licensed Retirement Income Strategist · License #20551202
James Forren Warren is a licensed Retirement Income Strategist with Tax Free Wealth Plan. For the past five years he has helped individuals and families turn their savings into retirement income they can count on. He writes and reviews the annuity research on this site and keeps it plain: what a product does, what it costs you, and who it actually fits.
Sources
Educational only, not investment, tax or legal advice. Tax Free Wealth Plan LLC is a licensed insurance agency, not a registered investment adviser or broker-dealer. Annuities are not bank deposits, are not FDIC insured and are not guaranteed by any government agency. Guarantees are backed solely by the claims-paying ability of the issuing insurance company. Features, rates and availability vary by state and change over time; the contract and disclosure documents govern.
