DB-backed product comparison

Strategic Growth Annuity vs Growth Commander 6

Compare current product data, carrier backing, rates, liquidity, surrender terms, and rider mechanics. This page is part of the product-level evidence behind AnnuityRatesHQ annuity rates.

Fixed Indexed Annuity

Strategic Growth Annuity

Security Benefit Life Insurance Company

Best cap

14.5%

A.M. Best

A-

Free withdrawal

10%

Surrender period

10 yrs

Crediting strategies

Fixed Account4.75% fixed

S&P 500 Index9.25% cap

S&P 500 Index52% par

S&P 500 Index80% par

S&P 500 Index11.75% cap

S&P 500 Index63% par

Surrender schedule

Yr 1: 9%Yr 2: 8.1%Yr 3: 7.2%Yr 4: 6.3%Yr 5: 5.4%Yr 6: 4.5%Yr 7: 3.6%Yr 8: 2.7%Yr 9: 1.8%Yr 10: 0.9%

Minimum premium: Varies
State availability: 50 states

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Fixed Indexed Annuity

Growth Commander 6

Americo Financial Life and Annuity Insurance Company

Best cap

11.65%

A.M. Best

Free withdrawal

10%

Surrender period

6 yrs

Crediting strategies

Fixed Account3.95% fixed

S&P 500 Index7.75% cap

S&P 500 IQ 0.5% Decrement Index11.65% cap

S&P 500 IQ 0.5% Decrement Index65% par

S&P 500 Index11.6% cap

S&P 500 IQ 0.5% Decrement Index89% par

Surrender schedule

Yr 1: 8%Yr 2: 8%Yr 3: 7%Yr 4: 6%Yr 5: 5%Yr 6: 4%

Minimum premium: Varies
State availability: 48 states

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How to read this comparison

Compare the product job, not just the headline number.

These pages support the main annuity rates experience by showing why two products are not interchangeable. Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.

Rate context

Caps, participation rates, spreads, and fixed buckets show how each FIA creates accumulation potential.

Control

Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.

Carrier backing

Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.

Use the comparison as a starting point.

Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.

All FIA rates Income comparison

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