OptiMark
Americo
12.3%
Best Cap
10%
Free W/D
26
States
OptiMark is a single premium fixed indexed annuity that protects your principal from market downturns while providing growth opportunities tied to market index performance. It's designed for pre-retirees and retirees seeking safe accumulation with upside potential.
Free Withdrawal
10%/yr
Available In
26 states
Min Premium
$10,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| SG Columbia Adaptive Risk Allocation Index | 2-Year | -- | 166% | -- |
| SG Columbia Adaptive Risk Allocation Index | Annual | -- | 121% | -- |
| SG Lead Asset Select Exposure Rotation Index | 2-Year | -- | 168% | -- |
| SG Lead Asset Select Exposure Rotation Index | Annual | -- | 122% | -- |
| S&P 500 Index | 2-Year | -- | 49% | -- |
| S&P 500 Index | Annual | 12.3% | 100% | -- |
| S&P 500 IQ 0.5% Decrement Index | Annual | 7.65% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.85% |
Key Features
Premium Bonus
Varies by stateImmediate bonus applied to your premium to boost starting value
Principal Protection
87.50% of premiumGuaranteed minimum value protects against market losses
Penalty-Free Withdrawals
10% annuallyAccess up to 10% of account value annually without surrender charges
Interest Crediting Options
Multiple options availableChoose from fixed rate or multiple indexed strategies
Confinement Waiver
100% access after 90 daysFull access to funds without penalties if confined to nursing home/hospital 90+ days
Enhanced Death Benefit
8% simple interest (optional)Optional rider providing 8% simple interest roll-up for 15 years
Highlights
Protects your principal from market losses while providing opportunity for growth through market index performance
Includes premium bonus at no additional cost to jump-start earnings
Offers 10% penalty-free withdrawals annually starting in year one
Provides multiple interest crediting strategies including fixed and indexed options
Backed by A-rated Americo Financial with over 100 years of experience
Surrender Schedule
Yr 1
13%
Yr 2
12%
Yr 3
11%
Yr 4
10%
Yr 5
9%
Yr 6
8%
Yr 7
7%
Yr 8
6%
Yr 9
5%
Yr 10
4%
After
0%
Nursing home waiver
Best For
Pre-retirees and retirees seeking principal protection with growth potential who want flexible access to their money.
Consider Alternatives If
Investors seeking direct market exposure or those needing immediate income payments should consider other options.
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