Enduris 10 Bonus review

Yes, for a narrow and specific buyer. This is a good annuity for someone who wants principal protection, a large up-front bonus, and a clean death benefit, and who is confident they will leave the money in place for the full ten years. It is a poor fit for someone who might need access to the principal, who wants guaranteed lifetime income, or who places a high priority on carrier financial strength. The whole product hinges on the bonus, and the bonus only fully pays off if you stay to the end or if a qualifying life event triggers full vesting. If there is a real chance you surrender early, the math turns against you quickly, and this stops being a good annuity for you.

The main reason to buy Enduris 10 Bonus is the 16% premium bonus paired with principal protection. On a $100,000 premium, the contract starts with a $16,000 Bonus Accumulation Value sitting alongside your money, which gives more of your balance a chance to earn index-linked interest from day one. The secondary reason is the death benefit. Because the bonus fully vests the moment the owner dies, heirs receive the base value plus the entire bonus, which makes this an interesting legacy tool for someone who wants to pass money on rather than spend it. In plain terms, people buy this when they want a bigger starting balance, downside protection, and a strong death benefit, and when they are patient enough to let the vesting schedule run its course.

I think Enduris 10 Bonus is best for a buyer who is certain about the timeline. That means someone in their sixties or seventies with money they have already earmarked as long-term or legacy dollars, who will not touch the principal beyond the free-withdrawal allowance, and who values a large death benefit. It also suits someone who is drawn to the care-related protections, since a qualifying nursing home confinement or terminal illness diagnosis fully vests the bonus and waives surrender charges. It is a weaker fit for anyone who wants guaranteed lifetime income, since this version has no income rider at all. And it is a poor fit for someone who is still unsure whether they will need the money, or who would lose sleep over the B++ carrier rating. The people this product punishes hardest are the ones who buy it for the big bonus number and then surrender in the first few years.

You are not buying stock market exposure, and you are not buying $16,000 of free money. You are buying a principal-protected insurance contract with two moving parts that are easy to confuse. The first part is your Base Accumulation Value, which is your premium growing by whatever index or fixed interest gets credited each term. The second part is the Bonus Accumulation Value, a separate 16% bucket that is held at 16% of your current base value but is only partially yours until the vesting schedule completes. Interest can be credited on both buckets, which is genuinely useful, but the bonus bucket is conditional. What you are really buying, then, is a deal: accept a ten-year commitment and a slow vesting schedule, and in exchange you get a larger working balance and a death benefit that hands your heirs the full bonus. Understand that trade before you sign, because the brochure headline shows you the 16% and does not show you the vesting curve behind it.

The core feature is the 16% premium bonus, and the only honest way to explain it is to do the arithmetic. Put in $100,000 and the contract immediately creates a $16,000 Bonus Accumulation Value. But that $16,000 is not fully yours. It vests on a graded schedule: 0% at the start of year one, 10% at the start of year two, 20% at year three, and so on, adding ten points each year until it reaches 100% at the start of year 11. Notice the timing. During your entire first contract year, the vested value of that bonus is zero. If you surrendered in month six, you would forfeit the whole $16,000, on top of paying a 9% surrender charge and any market value adjustment.

Walk it forward. Surrender at the start of year six and you are 50% vested, so you keep $8,000 of the bonus and forfeit the other $8,000, and you still owe a 5% surrender charge on the account value plus MVA. Hold to the start of year 11 and you keep the full $16,000, right as the surrender charges hit zero. The vesting curve and the surrender schedule are deliberately aligned to make holding to term the only way to capture the whole bonus.

There are three shortcuts to full vesting that do not require waiting: death, a qualifying nursing home confinement of 90 or more days, and a terminal illness diagnosis. Any of those instantly vests the entire bonus. That is why I read this as a legacy and care instrument first. If you die in year two, your heirs still receive the full $16,000 as part of the death benefit. If you simply change your mind in year two, you get none of it.

One more mechanic that catches people: your free withdrawals cut into the bonus. Taking the 10% free withdrawal, or an RMD, is drawn from the Base Accumulation Value and proportionally reduces the un-vested Bonus Accumulation Value. So using the liquidity the contract advertises quietly shrinks the bonus you have not yet earned. This is not a product where you can take income along the way and still expect the full bonus at the end.

The secondary story is the crediting menu, and it is worth asking what the 16% bonus costs you in crediting terms, because bonuses are never truly free. Every strategy here is tied to the S&P 500. The two capped point-to-point strategies credit 100% of index growth up to a cap: 5.50% on the one-year and 11.00% on the two-year, as of the 3/2/2026 rate snapshot. That 5.50% one-year cap is modest. Established carriers with A-level ratings have posted one-year S&P 500 caps in the 7% to 9% range on comparable contracts, so the soft cap here is, in effect, part of how Revol One pays for the bonus. You are trading headline crediting potential for that up-front 16%.

Beyond the caps, there is an uncapped participation-only pair, crediting 25% of index growth on the one-year strategy and 35% on the two-year, with no cap but a lower share of the move. Then there are the two Enhanced Participation Rate strategies, or EPAR. These credit a fixed 10% base participation on index growth up to a 10% threshold in the term, then step up to a fixed 75% Enhanced Participation Rate on any growth above that threshold. I read the spec closely and there is no explicit fee attached to the EPAR tier, which is a point in its favor, but the structure only shines in a strongly positive index year, since you get very little on the first slice of growth. Finally, there is a fixed account currently paying 2.30%, with a 1% guaranteed minimum. None of these are bad, but none are best-in-class either. The menu is competent and conservative, which is consistent with a product whose real selling point is the bonus, not the caps.

This is a ten-year contract, and the surrender schedule reflects it. After the first contract year, you can withdraw up to 10% of the Account Value each year free of surrender charges and MVA, which covers routine income needs but not much more. Anything above that free amount during the surrender period is hit by the withdrawal-charge schedule below, which starts at 9% and grinds down over ten years, plus a market value adjustment that can add to or subtract from the charge depending on interest rates at the time. The minimum premium is $10,000 and issue ages run 18 to 80.

Two things make the liquidity picture worse than the raw schedule suggests. First, as covered above, free withdrawals proportionally reduce your un-vested bonus, so pulling money out costs you twice: once in bonus you forfeit and once in growth you no longer earn on. Second, the surrender charge sits on top of that bonus forfeiture if you take more than the free amount. The offsetting good news is the set of full-vesting waivers. A qualifying nursing home stay of 90 or more days or a terminal illness diagnosis waives surrender charges and MVA and fully vests the bonus, and RMDs are also free of charges. Even so, treat this contract as long-term money, not a reserve you can dip into.

On paper, the fee picture is clean. There is no explicit annual base-contract fee, no income-rider fee, and the premium bonus itself is a no-fee bonus. The spec shows no rider charge and no separate strategy fee, including on the EPAR tier. So you will not see money deducted from your account each year the way you would on a product with a living-benefit rider.

The real cost is structural, and it comes in three forms. The first is the vesting handcuff: the bonus you were shown is only fully yours at year 11, and any early exit forfeits the unvested share. The second is the modest crediting, especially the 5.50% one-year cap, which is how the carrier funds a bonus it does not charge an explicit fee for. The third is carrier strength. Revol One Insurance Company carries a B++ rating from A.M. Best, which is a step below the A− floor I use as a general comfort line. That is not a prediction of trouble, but for a ten-year commitment it is a factor that belongs in the decision. Taken together, the tradeoff is straightforward: you accept slower crediting, a below-bar carrier, and a long vesting schedule in exchange for a large up-front bonus and a strong death benefit. Whether that is a good deal depends almost entirely on whether you actually hold to term.

Legal Entity: Revol One Insurance Company

A.M. Best Rating: B++