Americo
Americo Benchmark Flex Plus
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
1.39%
A.M. Best
A
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1-Year Fixed Account | Fixed | 2.95% | — | — | 1.39% |
| 1-Year S&P 500 Distance Stabilize Point to Point Participation Rate | Point to Point | — | — | 50.00% | — |
| 1-Year S&P 500 Point to Point Cap | Point to Point | — | 5.25% | — | — |
| 1-Year S&P 500 Point to Point Performance Trigger | Performance Triggered | — | 4.75% | — | — |
| 1-Year S&P 500 PRISM Point to Point Participation Rate | Point to Point | — | — | 120.00% | — |
| 2-Year S&P 500 Distance Stabilize Point to Point Participation Rate | Point to Point | — | — | 70.00% | — |
| 2-Year S&P 500 PRISM Point to Point Participation Rate | Point to Point | — | — | 165.00% | — |
| 5-Year S&P 500 Annual Point to Point Performance Trigger | Performance Triggered | — | 4.00% | — | — |
| 5-Year S&P PRISM Blended Performance | Other | — | 4.50% | 100.00% | — |
| S&P 500 Cap Ladder (10-Year Guaranteed Rates) 1-Year | Point to Point | — | 5.75% | — | — |
| S&P 500 Cap Ladder (10-Year Guaranteed Rates) 2-Year | Point to Point | — | 11.50% | — | — |
| S&P 500 Cap Ladder (10-Year Guaranteed Rates) 3-Year | Point to Point | — | 17.25% | — | — |
| S&P 500 Cap Ladder (10-Year Guaranteed Rates) 4-Year | Point to Point | — | 23.00% | — | — |
| S&P 500 Cap Ladder (10-Year Guaranteed Rates) 5-Year | Point to Point | — | 28.75% | — | — |
| S&P 500 Cap Ladder (5-Year Guaranteed Rates) 1-Year | Point to Point | — | 5.50% | — | — |
| S&P 500 Cap Ladder (5-Year Guaranteed Rates) 2-Year | Point to Point | — | 11.00% | — | — |
| S&P 500 Cap Ladder (5-Year Guaranteed Rates) 3-Year | Point to Point | — | 16.50% | — | — |
| S&P 500 Cap Ladder (5-Year Guaranteed Rates) 4-Year | Point to Point | — | 22.00% | — | — |
| S&P 500 Cap Ladder (5-Year Guaranteed Rates) 5-Year | Point to Point | — | 27.50% | — | — |
Surrender Schedule
Yr 1
13%
Yr 2
12%
Yr 3
11%
Yr 4
10%
Yr 5
9%
Yr 6
8%
Yr 7
7%
Yr 8
6%
Yr 9
5%
Yr 10
4%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 48 states
From the Americo product brochureper brochure, 2026-07-22
- Death Benefit
- Greater of Full Account Value or Minimum Guaranteed Surrender Value
- Minimum Guaranteed Surrender Value
- 87.5% of premiums at 0.15% - 3%
- Withdrawal Provisions
- Confinement waiver available (not in Massachusetts): after 90 consecutive days confined to a nursing home or hospital, all or part of Accumulation Value may be withdrawn without surrender charges. NOTE: the brochure glossary lists a 'Standard' surrender charge schedule starting at 13% (declining to 0% by year 11) alongside a lower '70/10 States' schedule starting at 10% and declining to 0% by year 11 - the Wink product profile (used as the surrender.schedule source per extraction rules) reports the 10%-declining schedule; verify which schedule applies before publishing state-specific claims.
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.