Americo (Legacy)
Optimarksm
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
1.56%
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 |
|---|---|---|---|---|---|
| Declared Interest Option | Fixed | 2.85% | — | — | 1.56% |
| 1-Year S&P 500 IQ Index Point-to-Point With Cap | Point to Point | — | 7.40% | — | 1.28% |
| 1-Year S&P 500 IQ Index Point-to-Point With Declared Rate on Gain | Point to Point | — | 5.30% | — | 1.28% |
| 1-Year S&P 500 IQ Index Point-to-Point With Participation Rate | Point to Point | — | — | 48.00% | 1.28% |
| 1-Year S&P 500 Point-to-Point Inversion With Cap | Inverse Cap | — | 11.00% | — | 1.28% |
| 1-Year S&P 500 Point-to-Point With Cap | Point to Point | — | 5.70% | — | 1.28% |
| 1-Year SG Columbia Adaptive Risk Allocation Index Point-to-Point With Participation Rate | Point to Point | — | — | 121.00% | 1.28% |
| 1-Year SG Laser Index Point-to-Point With Participation Rate | Point to Point | — | — | 122.00% | 1.28% |
| 2-Year S&P 500 Point-to-Point With Participation Rate | Point to Point | — | — | 45.00% | 1.28% |
| 2-Year SG Columbia Adaptive Risk Allocation Index Point-to-Point With Participation Rate | Point to Point | — | — | 166.00% | 1.28% |
| 2-Year SG Laser Index Point-to-Point With Participation Rate | Point to Point | — | — | 168.00% | 1.28% |
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
- 80
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 50 states
Income Riders
OptiMark Enhanced Death Benefit Rider
Roll-up: 8.00%
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.