Product Details
Product Name
Benchmark Flex
Annuity Type
FIA
Issuing Insurance Company and Ratings
Americo Life Inc
Ratings
A.M. Best
A
3rd of 15
Standard & Poor's
N/A
N/A
Fitch
N/A
N/A
Product Information
The America’s Benchmark Flex is a Single Premium, Fixed Indexed Annuity with a 10 year surrender charge and index period. Features include Fixed Rate Strategy, Participation Rate Strategy, Performance Trigger Strategy, Cap Ladder Strategy, Cap Rate Strategy, Blended Performance Strategy, and Waiver of Surrender Charge upon Nursing Home/Hospital confinement.
Key Features
Premium Types: Single
Minimum Premium: $10,000
Maximum Premium: $2,000,000
Free Look Period: 15 Days
Rate Lock Period: 30 Days
Rates
Effective Date: 02/02/2026
Initial Guarantee Period: 10 years
Next Change: N/A — not specified
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Effective Date: 02/02/2026
Next Change: N/A — not specified
Initial Guarantee Period: 10 years
Premium Amount: $10,000 - $2,000,000
Current
10 Year Guarantee Period Annual Yield:
3.85%%
Interest rate start of year 1 through end of year 10:
3.85%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in CA GU NY OR PR VI
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : No Wait
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: No
Min Withdrawl Amount: $2,500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85 years old
State Restrictions: Not available in CA GU NY OR PR VI