OptiMark LT
Americo
12.3%
Best Cap
10%
Free W/D
19
States
OptiMark is a single premium deferred fixed indexed annuity that helps you accumulate retirement wealth safely with guaranteed minimum protection and the opportunity for growth based on market index performance. It's designed for retirees and those approaching retirement who want security, growth potential, and flexible access to their money.
Free Withdrawal
10%/yr
Available In
19 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
Guaranteed Minimum Value
87.50% of premium guaranteedProtection of 87.50% of premium (minus withdrawals and applicable premium tax) plus guaranteed interest rate set at contract issue, regardless of market performance
Premium Bonus
Varies by state; check current rate sheetImmediate boost to accumulation value calculated as percentage of premium, eligible to earn interest right away; varies by state
Interest Crediting Strategies
Multiple options available; allocate as desiredCombination of indexed strategies linked to market index performance (with downside protection) and Declared Interest Option with guaranteed fixed rate
10% Penalty-Free Withdrawals
10% annually, penalty-freeWithdraw up to 10% of accumulation value each contract year without surrender charges; minimum $500, remaining balance must stay above $2,000
Confinement Waiver
100% penalty-free access if confined (not available in MA)Access up to 100% of accumulation value without surrender charges if confined to nursing home or hospital for 90+ consecutive days
Enhanced Death Benefit Rider
Up to 8% roll-up for 15 years; example: $100K becomes $220K by year 16+Optional rider (ages 75 and under) providing lump-sum death benefit equal to premium times 8% simple interest roll-up for up to 15 years; costs 0.15% annually
Tax Deferral
Tax-deferred growth until withdrawalTaxes on gains deferred until withdrawal, enabling triple compounding: premium earns interest, interest earns interest, and tax money earns interest
Highlights
Guaranteed minimum value protects against market downturns while offering growth potential through indexed strategies
Competitive premium bonus and multiple interest crediting options for flexible accumulation
Penalty-free withdrawals up to 10% annually plus confinement waiver for nursing home/hospital care
Optional enhanced death benefit rider with 8% guaranteed roll-up for up to 15 years
Issued by highly-rated Americo Financial Life and Annuity Insurance Company (AM Best "A" rating)
Surrender Schedule
Yr 1
11%
Yr 2
10%
Yr 3
9%
Yr 4
8%
Yr 5
7%
Yr 6
6%
Yr 7
5%
Yr 8
4%
Yr 9
3%
Yr 10
1%
After
0%
Nursing home waiver
Best For
Retirees and individuals approaching retirement who prioritize safety and guaranteed income protection while seeking market-linked growth potential and flexible access to funds.
Consider Alternatives If
Individuals who need immediate access to funds without surrender charges, require liquidity outside the penalty-free withdrawal limits, or cannot tolerate the time horizon typically required for annuities.
Carrier Ratings
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