Americo Annuities — A Rated

Americo Financial Life and Annuity Insurance Company is a Kansas City-based insurer with a history spanning over a century. As the flagship company of Americo Life, Inc., one of the largest independent, privately held insurance groups in the U.S., Americo offers a range of life insurance and annuity products designed to provide financial protection and retirement solutions. As of year-end 2023, Americo reported $9.1 billion in assets and $39.7 billion of insurance in force, covering approximately 780,000 policies. The company holds an “A” (Excellent) financial strength rating from A.M. Best, reflecting its solid balance sheet and operational performance . 

Americo’s annuity offerings include fixed indexed annuities like the Elite 5, which provide interest credits based on the performance of selected financial indices, offering potential growth with downside protection. The Elite 5 features options such as 1-year or 5-year point-to-point crediting methods and allows for 10% annual penalty-free withdrawals after the first year . Additionally, Americo offers multi-year guaranteed annuities (MYGAs) through its Platinum Assure Series, providing fixed interest rates for specified periods, catering to those seeking predictable, stable returns . 

As of April 24, 2025, Americo implemented new fixed annuity interest rates for its Platinum Assure Series, with adjustments reflecting current market conditions. Subsequently, on May 23, 2025, new indexed annuity interest rates became effective for the Elite 5 annuity. These updates ensure that new contracts issued on or after these dates receive the most current rates, aligning with Americo’s commitment to providing competitive and responsive financial products .