Americo
Ultimate One Index 9 Bonus (411)
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. We don't hold this carrier's brochure for this product yet, so the specifications below are limited to what the rate filing carries.
Type
FIA
Surrender
9 years
Top yield
1.83%
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 | 3.50% | — | — | 1.83% |
| 1-Year S&P 500 Monthly Averaging with Cap | Point to Point | — | 9.45% | — | 1.44% |
| 1-Year S&P 500 Monthly Averaging with Participation Rate | Point to Point | — | — | 68.00% | 1.44% |
| 1-Year S&P 500 Point-to-Point with Cap | Point to Point | — | 7.25% | — | 1.44% |
| 1-Year S&P 500 Point-to-Point with Participation Rate | Point to Point | — | — | 41.00% | 1.44% |
Surrender Schedule
Yr 1
13%
Yr 2
13%
Yr 3
12%
Yr 4
11%
Yr 5
19%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Market value adjustment
- No
- Return of premium
- No
- States available
- 46 states
The Bonus optionfiled rates, 2026-08-03
Compared with Ultimate One Index 9, the contract this version is built on:
- Issue ages
- Up to 80
- Up to 85 (base)
- Premium bonus
- 4% / 5%
- None (base)
- S&P 500 cap
- 7.25%
- 8.5% (base)
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.
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.