Americo Elite 5
Americo
10%
Free W/D
50
States
A 5-year indexed annuity that grows based on stock market performance while protecting your principal from market losses, designed for retirement accumulation.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Dow Jones U.S. Real Estate | 5Y | -- | 156% | -- |
| Dow Jones U.S. Real Estate | Annual | -- | 60% | -- |
| Health Care Select Sector Index | 5Y | -- | 124% | -- |
| Health Care Select Sector Index | Annual | -- | 56% | -- |
| Nasdaq Biotechnology Index | 5Y | -- | 81% | -- |
| Nasdaq Biotechnology Index | Annual | -- | 38% | -- |
| S&P 500 Index | 5Y | -- | 103% | -- |
| S&P 500 Index | Annual | -- | 52% | -- |
| Technology Select Sector Index | 5Y | -- | 79% | -- |
| Technology Select Sector Index | Annual | -- | 36% | -- |
| Fixed Account | Daily | -- | -- | 4.55% |
Key Features
Index Options
5 sectors availableChoose from 5 market sectors: Technology, Healthcare, Biotechnology, Real Estate, or S&P 500
Crediting Methods
1-year or 5-year termsEarn interest based on 1-year or 5-year market performance with participation rates
Principal Protection
0% floorYour account value never decreases due to market losses
Free Withdrawals
10% annually after year 1Access up to 10% of account value annually without surrender charges
Surrender Period
8% to 5% over 5 years5-year surrender charge period with declining penalties
Minimum Guarantee
87.5% premium + 0.25%Account value guaranteed to be at least 87.5% of premium plus 0.25% annual growth
Highlights
Earn interest based on market performance without losing money when markets decline
Choose from 5 different market sectors including Technology, Healthcare, and Real Estate
Access up to 10% of your account value each year without penalties after the first year
Surrender Schedule
Yr 1
9.2%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver
Best For
People seeking retirement accumulation with market growth potential but who want protection from market losses.
Consider Alternatives If
Those who need immediate access to their full investment or want guaranteed fixed returns.
Carrier Ratings
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