Product Details
Product Name
Elite 5
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 Elite 5 is a Single Premium, Fixed Indexed Annuity with a 5 year surrender charge and index period. Features include 10 index options available, each based on the combination of one of 5 indexes with a 1-year or 5-year point-to-point crediting method, Declared Interest Account, Full Accumulation Value Death Benefit, Waiver of Surrender Charge upon Nursing Home/Hospital confinement, Accumulation Value Adjustment – On the 5th anniversary, if there have been no prior partial surrenders, the accumulation value is guaranteed to be no less than the single premium accumulated for five years at a minimum interest rate.
Key Features
Premium Types: Single
Minimum Premium: $10,000
Maximum Premium: $1,000,000
Free Look Period: 30 Days
Rate Lock Period: N/A
Rates
Effective Date: 20/02/2026
Initial Guarantee Period: 5 years
Next Change: 03/20/2026
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: 20/02/2026
Next Change: 03/20/2026
Initial Guarantee Period: 5 years
Premium Amount: $10,000 - $1,000,000
Current
5 Year Guarantee Period Annual Yield:
4.35%%
Interest rate start of year 1 through end of year 5:
4.35%%
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 AL GU MS NY PR VI
Withdrawal Provisions
First Year Withdrawals: Interest Only
Withdrawal Years 2+: 10%
Wait Period Interest Only : 30 Days
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 90 years old
State Restrictions: Not available in AL GU MS NY PR VI