Annuity Atlas
Reviews

Expert review · 2026

Americo review

Annuity Atlas covers 17 Americo annuity products with live rates and contract specs. 16 carry full editorial reviews.

Carrier strength

A
A.M. Best
Products17
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Products covered
17
A.M. Best
A
Categories covered
MYGA · FIA
01

17 Americo annuities

Click any product for rates, specs, and the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
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
MYGA5yrA——Review →
Platinum Assure 6
Savers who want a clean, no-fee 6-year guaranteed rate with day-one access to a modest free withdrawal
MYGA6yrA——Review →
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
MYGA7yrA——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
MYGA4yrA——Review →
Platinum Assure 3
Savers who want a short, guaranteed-rate commitment with a built-in nursing-home liquidity backstop
MYGA3yrA——Review →
Platinum Assure 2
Short-horizon savers who want a locked rate for two years without committing to a long surrender schedule
MYGA2yrA——Review →
Benchmark Flex
A ten-year accumulation buyer who wants crediting rates locked for five or ten years rather than re-declared annually, and who values a 10% free withdrawal from the very first contract year
FIA10yrA——Review →
Benchmark Flex Plus
A buyer who wants the largest possible day-one balance, will hold the contract for eleven years, and expects index returns weak enough that the reduced caps never bind
FIA10yrA—10%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
FIA5yrA——Review →
Growth Commander 10
A long-horizon buyer who wants no market value adjustment and a return-of-premium death benefit, and who specifically wants the ten-year surrender schedule's gentler tail
FIA10yrA——Review →
Growth Commander 6
A six-year buyer who wants no market value adjustment, a return-of-premium death benefit, and the option to pay 1.50% for a materially higher cap
FIA6yrA——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
FIA10yrA——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
FIA7yrA——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
FIA10yrA—10% / 12%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
FIA7yrA——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
FIA9yrA——Review →
Ultimate One Index 9 Bonus (411)FIA9yrA——Details →
02

Income rider fees

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

RiderProductFee
LibertyMark EDBLibertyMark Freedom 100.15%
Heritage MaximizerLibertyMark Freedom 70.30%
OptiMark Enhanced Death Benefit RiderOptiMark0.15%
03

Frequently asked questions

Is Americo a good annuity company?
We have reviewed 16 Americo products, 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.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
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