Enduris 10 Income review

Yes, for the right buyer, with real caveats. This is a good annuity for someone who wants to lock in future lifetime income, has long-term money they will not need for a decade, and values the built-in payment doubler for care events. It is a poor fit for someone who wants strong accumulation, needs liquidity above the free-withdrawal amount, or is uneasy about a B++ carrier standing behind a guarantee that may run for thirty years or more. The income design is above average for its class; the carrier strength and the fee structure are what hold it back.

The main reason to buy Enduris 10 Income is to build a protected lifetime income stream while keeping principal shielded from market losses along the way. The income rider is included automatically, the benefit base gets a 25% head start at issue, and it then compounds at 7.20% for up to ten years, so the longer you defer, the larger the guaranteed payment you eventually turn on. The secondary reason is the care feature: the payment doubler can double your guaranteed income for up to five years if you can no longer perform two of six activities of daily living or are confined to a nursing home. For a buyer worried about both outliving their money and the cost of care, that combination has real appeal.

I think this annuity is best for someone in the pre-retirement or early-retirement window, comfortably within the 45-to-80 issue range, who has at least $50,000 of long-term money and wants to solve a future income problem rather than chase growth. It suits a buyer who will genuinely defer for several years to let the roll-up and bonus do their work, and who values the payment doubler as a partial hedge against care costs. It is not the right choice for someone who wants accumulation, expects to need principal above the 10% free amount, wants the simplest possible annuity, or wants the reassurance of a top-rated carrier behind a lifetime guarantee. On that last point I would not be casual: this product's promise is only as good as the company making it, and B++ is a notch below where I would want to be for a thirty-year commitment.

You are not buying market upside here, and you are not really buying a growing pile of walk-away cash. You are buying a lifetime income framework built on top of a principal-protected annuity. The engine is the benefit base, and it is important to understand that the benefit base is a calculation, not money you can take. It exists only to size your future income payment. You cannot withdraw it, you cannot surrender for it, and your heirs cannot inherit it. Say it plainly: the impressive benefit-base number the illustration shows you is not your money. Your actual money is the account value, which grows only through index crediting, and that is a much more modest number. What you are paying for is the guarantee that a defined income can be turned on for the rest of your life, and possibly doubled if you need care.

The Guaranteed Lifetime Withdrawal Benefit rider is built into the contract, so there is nothing separate to elect. At issue, your benefit base starts at 125% of premium, a 25% income bonus applied to the benefit base only. From there the benefit base grows as the greater of that 25% bonus value or a 7.20% compounded roll-up value, and it keeps rolling up for up to ten years or until you turn income on.

Here is the arithmetic that actually matters, per $100,000 of premium and a full ten-year deferral. The bonus value is a flat $125,000. The roll-up value is $100,000 compounding at 7.20%, so it reaches about $107,200 after year one, crosses the $125,000 bonus figure at around year four (roughly $132,000), and by year ten sits near $200,400. Because the contract pays the greater of the two, the 25% bonus is really a head start that the roll-up overtakes within about four years, not a bonus stacked on top of the roll-up. After a decade of deferral, a $100,000 premium supports a benefit base of roughly $200,000, and your guaranteed lifetime payment is a payout percentage, set by your age when you activate, applied to that number. The payout rate itself can keep stepping up for up to twenty years based on issue age and deferral, so waiting is rewarded on both sides of the equation. None of that $200,000 is withdrawable; it only sets the size of the check.

The most meaningful secondary feature is the payment multiplier inside the GLWB rider. If, during the income phase, the annuitant cannot perform two of six activities of daily living or is confined to a nursing home, the guaranteed income payment can double for up to five years. On a benefit base that has compounded for a decade, that is a large temporary raise at exactly the moment care costs typically spike, and it is built in rather than a separately priced long-term-care policy. It is not long-term care insurance, and the doubling is capped at five years, so it will not cover an open-ended care situation. But as a partial hedge layered onto an income contract you were buying anyway, it adds real value. The contract also carries nursing home and terminal illness waivers that drop surrender charges and MVA on qualifying events, which is a smaller but useful liquidity relief.

This is a ten-year contract built for long-term retirement dollars, not for cash you might need. After the first contract year you can withdraw up to 10% of the account value each year with no surrender charge and no market value adjustment. Anything above that during the surrender period is subject to the schedule below plus an MVA, which can move the charge up or down depending on interest rates when you withdraw.

The fee to understand here is the 1.25% rider charge, and the way it is assessed is the whole story. The 1.25% is calculated as a percentage of the benefit base, but it is deducted from the account value, your real money. Those are two different and diverging numbers. In year one, per $100,000, the fee is about 1.25% of the roughly $125,000 benefit base, or about $1,562, pulled out of a $100,000 account value, an effective drag of about 1.56% on your actual money. By year ten the benefit base is near $200,000, so the fee is about $2,500, and because your account value has barely grown under a 5% annual cap, that $2,500 is now roughly 2.2% or more of your real money. The dollar cost climbs every single year, from about $1,562 toward $2,505, and cumulatively takes on the order of $19,000 out of a $100,000 account over the decade. The effective drag on the money you can actually touch rises the entire time, precisely because the base it is charged on keeps compounding away from the account value it is drawn from. That is the central tradeoff of this design.

The other tradeoffs follow from the same priority. Accumulation is modest by design: six S&P 500 strategies plus a 2.75% fixed account, with the capped annual point-to-point strategy running a 5.00% cap and the two-year term-end-point version a 10.00% cap. Those are income-supporting terms, not growth terms, so do not expect the account value to keep pace with the benefit base. Two structural gates are worth an editorial note as well. The $50,000 minimum premium is five times the $10,000 minimum on the Enduris 10 Bonus sibling, and the issue window is 45 to 80 rather than the sibling's 18 to 80. Both are deliberate carrier gating: this product is priced around a real income guarantee, so Revol One is filtering for larger, older, income-oriented buyers. And note the rate snapshot here is from 11/11/2025, roughly eight months old as of this writing, so treat the caps and rates as directional rather than current. Finally, this is a B++ carrier. Carrier strength matters more, not less, on a product whose entire promise is a lifetime income guarantee that may not begin paying for ten years, and I have weighted that accordingly.

Legal Entity: Revol One Insurance Company

A.M. Best Rating: B++