Americo review

Annuity Atlas has published 12 editorial reviews of Americo products. Average peer-group rating 3.9 / 5, top-rated product earns 4.2 / 5. Browse the full lineup below.

Our rating

3.9

Avg ★ / 5

Products reviewed12

A.M. BestA

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Reviews published

Average rating

★ 3.9 / 5

A.M. Best

Categories covered

MYGA · FIA

12 Americo annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Platinum Assure 7 Buyers who want a locked 7-year rate with zero contract fees, generous early liquidity, and a full-account-value death benefit	MYGA	7yr	A	—	—	Review →
Ultimate One Index 7 Buyers who want a low-minimum, no-fee accumulation FIA with an automatic no-cost nursing home/hospital waiver and no interest in paying for an income rider	FIA	7yr	★ 4.2	—	—	Review →
Elite 5 Buyers who want uncapped, participation-rate-only crediting across a deep menu of index strategies and don't want to pay for an income rider they won't use	FIA	5yr	★ 4.0	—	—	Review →
Platinum Assure 6 Savers who want a clean, no-fee 6-year guaranteed rate with day-one access to a modest free withdrawal	MYGA	6yr	A	—	—	Review →
LibertyMark Freedom 7 Buyers who want a deep menu of index-crediting choices for long-term, principal-protected growth and may also want to boost what heirs eventually receive	FIA	7yr	★ 3.9	—	—	Review →
Platinum Assure 3 Savers who want a short, guaranteed-rate commitment with a built-in nursing-home liquidity backstop	MYGA	3yr	A	—	—	Review →
Platinum Assure 4 Conservative savers who want a shorter, four-year guaranteed-rate commitment and like having a no-cost nursing-home/hospital confinement waiver built in	MYGA	4yr	A	—	—	Review →
Platinum Assure 5 Conservative savers who want a competitively priced 5-year locked rate at an accessible minimum premium, along with a no-cost nursing home/hospital confinement waiver	MYGA	5yr	A	—	—	Review →
Ultimate One Index 9 Long-horizon savers who want a fee-free indexed annuity with a mix of crediting strategies and are comfortable locking money up for nine years	FIA	9yr	★ 3.9	—	—	Review →
Platinum Assure 2 Short-horizon savers who want a locked rate for two years without committing to a long surrender schedule	MYGA	2yr	A	—	—	Review →
LibertyMark Freedom 10 Buyers who want a deep index-crediting menu and a base contract with no explicit annual fee, and who happen to live in a state where this particular product is approved	FIA	10yr	★ 3.7	—	—	Review →
OptiMark Buyers who are certain they can leave the money untouched for a full decade and want a large up-front premium bonus working for them from day one	FIA	10yr	★ 3.7	—	12.00% of single premium (varies by state)	Review →

Income rider fees

Disclosed charges for optional riders on Americo products, live from Annuity Rate Watch. Product-level detail is on each review.

Rider	Product	Fee
LibertyMark EDB	LibertyMark Freedom 10	0.15%
Heritage Maximizer	LibertyMark Freedom 7	0.30%
OptiMark Enhanced Death Benefit Rider	OptiMark	0.15%

Frequently asked questions

Is Americo a good annuity company?

Americo earns an average rating of 3.9/5 across the 12 products we've reviewed, and A.M. Best rates the carrier A for financial strength.

What are the fees for Americo annuities?

Fee structures vary by product. Optional income riders on Americo products carry disclosed charges — for example LibertyMark EDB (LibertyMark Freedom 10): 0.15% ; Heritage Maximizer (LibertyMark Freedom 7): 0.30% ; OptiMark Enhanced Death Benefit Rider (OptiMark): 0.15% . See each product review for the full fee detail.

What is the surrender period for Americo annuities?

Surrender periods on Americo's current lineup run 2–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

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