Platinum Assure
Americo
5.05%
Best Rate
3%
Free W/D
49
States
A fixed annuity that guarantees your interest rate for 2-7 years while your money grows tax-deferred, designed for conservative retirement savers who want predictable returns.
Free Withdrawal
3%/yr
Available In
49 states
Min Premium
$25,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 2-Year | 4.15% |
| 3-Year | 4.45% |
| 4-Year | 4.75% |
| 5-Year | 4.9% |
| 6-Year | 5% |
| 7-Year | 5.05% |
Key Features
Guarantee Periods
2, 3, 4, 5, 6, or 7 yearsChoose how long you want your rate guaranteed
Tax-Deferred Growth
All earnings grow without paying taxes until withdrawal
Annual Free Withdrawals
Percentage varies by guarantee periodTake out a percentage each year without penalties
Nursing Home Waiver
Access full account value if confined 90+ consecutive days
Death Benefit
Beneficiaries receive full account value
Market Value Adjustment
Applies during guarantee period onlySurrender value may increase or decrease based on interest rate changes
Highlights
Guaranteed interest rate locked in for your entire chosen period (2-7 years)
Tax-deferred growth means more money stays invested and compounds over time
Full access to your money with no penalties after the guarantee period ends
Nursing home waiver provides penalty-free access if you're confined for 90+ days
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver
Best For
Conservative retirement savers who want guaranteed returns and don't need immediate access to all their money.
Consider Alternatives If
People who need full liquidity or want to take investment risk for potentially higher returns.
Carrier Ratings
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