Growth Commander 6
Americo
11.95%
Best Cap
10%
Free W/D
48
States
A fixed indexed annuity that lets you choose your surrender period and decide whether to pay optional fees for higher growth potential, while protecting your principal with guaranteed minimum returns.
Free Withdrawal
10%/yr
Available In
48 states
Min Premium
$10,000
Surrender
6 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Morgan Stanley Enhanced Allocation Index | 2-Year | -- | 302% | -- |
| Morgan Stanley Enhanced Allocation Index | Annual | -- | 195% | -- |
| SG Global Balanced Index | 2-Year | -- | 208% | -- |
| SG Global Balanced Index | Annual | -- | 213% | -- |
| S&P 500 Index | Annual | 11.95% | 100% | -- |
| S&P 500 IQ 0.5% Decrement Index | Annual | 12.15% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.95% |
Key Features
Surrender Period Options
6 or 10 yearsChoose between 6-year or 10-year surrender charge periods
Premium Range
$10,000 to $2,000,000 ($1M max for ages 75+)Single premium payment accepted
Free Withdrawals
Up to 10% annually after first yearPenalty-free access to your money
Optional Fee Enhancement
1.5% annual feePay 1.5% fee for higher caps and participation rates on selected portions
Guaranteed Minimum
1-3% guaranteed interest on 100% of premiumIndustry-leading protection of your principal
Nursing Home Waiver
100% access after 90+ days confinementFull access without penalties for extended care
Highlights
Choose between 6-year or 10-year surrender periods to match your timeline
Option to pay fees for higher earning potential through enhanced caps and participation rates
Industry-leading minimum guarantee protects 100% of premium with 1-3% guaranteed returns
No mandatory fees - you control whether to pay for enhanced growth options
Up to 10% penalty-free withdrawals annually after the first year
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
After
0%
Nursing home waiver
Best For
People nearing or in retirement who want principal protection with market upside potential and the flexibility to choose their time horizon and fee structure.
Consider Alternatives If
Those who need immediate liquidity or want direct market participation without any surrender period restrictions.
Carrier Ratings
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