Americo
Growth Commander 10
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
1.29%
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 | 3.95% | — | — | 1.29% |
| 1-Year Morgan Stanley Enhanced Allocation Index Guaranteed Rate with Participation and Fee | Point to Point | — | — | 196.00% | 0.14% |
| 1-Year Morgan Stanley Enhanced Allocation Index Guaranteed Rate with Particiption | Point to Point | — | — | 142.00% | 0.14% |
| 1-Year S&P 500 with Cap | Point to Point | — | 7.85% | — | 0.14% |
| 1-Year S&P 500 with Cap and Fee | Point to Point | — | 11.70% | — | 0.14% |
| 1-Year SG Global Balanced Index Guaranteed Rate with Participation | Point to Point | — | — | 155.00% | 0.14% |
| 1-Year SG Global Balanced Index Guaranteed Rate with Participation and Fee | Point to Point | — | — | 214.00% | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point with Cap | Point to Point | — | 11.75% | — | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point with Participation | Point to Point | — | — | 65.00% | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point with Participation And Fee | Point to Point | — | — | 90.00% | 0.14% |
| 2-Year Morgan Stanley Enhanced Allocation Index Guaranteed Rate with Participation and Fee | Point to Point | — | — | 303.00% | 0.14% |
| 2-Year Morgan Stanley Enhanced Allocation Index Guaranteed Rate with Particiption | Point to Point | — | — | 219.00% | 0.14% |
| 2-Year SG Global Balanced Index Guaranteed Rate with Participation | Point to Point | — | — | 209.00% | 0.14% |
| 2-Year SG Global Balanced Index Guaranteed Rate with Participation and Fee | Point to Point | — | — | 287.00% | 0.14% |
Surrender Schedule
Yr 1
9%
Yr 2
8.7%
Yr 3
7.8%
Yr 4
6.8%
Yr 5
5.9%
Yr 6
4.9%
Yr 7
3.9%
Yr 8
3%
Yr 9
2%
Yr 10
1%
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
- false
- Return of premium
- false
- States available
- 48 states
From the Americo product brochureper brochure, 2026-07-22
- Death Benefit
- Greatest of Premium, Accumulation Value, or Guaranteed Minimum Value, less any applicable premium tax
- Minimum Guaranteed Surrender Value
- 87.5% of premium (minus gross withdrawals and applicable premium tax), plus interest at the Guaranteed Minimum Value Interest Rate (set at issue, 1%-3%, fixed for the life of the contract)
- Withdrawal Provisions
- Minimum premium $10,000; maximum premium $2,000,000 ($1,000,000 for issue ages 75+). Nursing home/hospital confinement waiver: 100% of Accumulation Value withdrawable without surrender charge after 90 consecutive days of confinement, in most states (not Massachusetts); withdrawal request and proof of confinement must be submitted within 30 days of discharge. Annuitization available at any time: fixed period (5-20 years) or lifetime income (life, or life with 10/20-year period certain).
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.