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Fixed Indexed Annuity

Elite 5

Americo

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10%

Free W/D

50

Available jurisdictions

Product data status: updated regularly

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Elite 5 would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$175,249
Est. value at age 80 (Elite 5)
4
Broad-market strategies
S&P 500 Index — 48% Participation (Annual)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Elite 5's published participation rate (48% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

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See how Elite 5 compares for your age, state, premium, and income goals alongside other Americo fixed indexed annuity options.

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rate data

Run numbers for Elite 5

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Americo product.

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual participation rate

48% participation on S&P 500

A ten-year-surrender accumulation fixed indexed annuity from an A-rated carrier, built entirely on participation-rate crediting across sector indexes (Health Care, Technology, Biotech, Real Estate) plus the S&P 500, with no income rider, no premium bonus, and no cap-rate strategies on the menu.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want pure tax-deferred accumulation from an A-rated carrier, are comfortable committing capital for ten years, and want sector-tilted index exposure through participation-rate crediting that they understand is structurally different from the cap-rate FIAs they are comparing against.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

48% participation rate

Participation

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Final Average with Participation Rate

98% participation rate

Participation

5-year term · 5-year surrender · Does not vary by premium

Dow Jones

Dow Jones U.S. Real Estate

58% participation rate

Participation

1-year term · 5-year surrender · Does not vary by premium

Dow Jones

Dow Jones U.S. Real Estate

Final Average with Participation Rate

149% participation rate

Participation

5-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.35% declared rate

Fixed account

1-year term · 5-year surrender · Does not vary by premium

+ 6 additional crediting options (Health Care, Technology Select, Nasdaq Biotechnology...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Pure accumulation design from an A-rated carrier with no income rider, no premium bonus, and no rollup attached — every basis point of crediting flows to account value rather than rider fees, and the buyer is not paying for a feature the contract does not deliver.
  • Crediting menu is unusually sector-tilted: in addition to S&P 500, the same contract carries participation-rate strategies on Health Care, Technology, Nasdaq Biotechnology, Dow Jones US Real Estate, and a fixed-rate bucket — so a buyer who wants thematic equity exposure inside an annuity wrapper has options that most FIAs on the market do not offer.
  • Each indexed strategy is offered in two cadences — a one-year annual point-to-point and a five-year final-average — so the same index can be expressed as either a short crediting cycle or a longer-horizon averaging cycle inside one contract.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the nursing-home waiver, and the no-MVA flag are all visible on this page rather than gated behind a sales brochure.

What to confirm

  • Despite the name 'Elite 5', the surrender period on this contract is ten years in the live feed, not five. The 'Elite 5' branding refers to the carrier's product family, not the surrender duration — confirm the ten-year commitment with a buyer before quoting and do not pitch this as a five-year contract.
  • Every indexed strategy on this contract is a participation rate, not a cap. The headline is therefore the S&P 500 participation rate, not a cap rate — participation rates are not directly comparable to cap-rate headlines on other FIAs on this site. A fractional participation in an index's gain delivers a fundamentally different credit than a hard cap on that same gain, even when the headline numbers look similar. Compare strategy-by-strategy on like-for-like indexes, not headline-to-headline.
  • Several of the index strategies are five-year final-average participation rates. A final-average crediting cycle is a multi-year lookback, not an annual reset, and a buyer who exits before the five-year period closes may forfeit the indexed credit for that period — treat the 5Y participation strategies as long-horizon commitments inside an already-long contract.
  • The death benefit is the standard cash surrender value with no rollup and no step-up, so estate-focused buyers expecting a guaranteed enhanced death benefit will not find one here.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate, want a recognizable S&P 500 cap-rate comparison, need short-surrender liquidity (the 'Elite 5' name notwithstanding), want an enhanced death benefit with a rollup or step-up, or want a premium bonus — none of those are part of this contract's design.

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All crediting strategies

View rate listings (11 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 58% · 1-yr

Dow Jones U.S. Real Estate

participation

5-yr surrenderDoes not vary by premium

Par: 51% · 1-yr

Health Care Select Sector Index

participation

5-yr surrenderDoes not vary by premium

Par: 48% · 1-yr

S&P 500 Index

participation

5-yr surrenderDoes not vary by premium

Par: 38% · 1-yr

Nasdaq Biotechnology Index

participation

5-yr surrenderDoes not vary by premium

Par: 34% · 1-yr

Technology Select Sector Index

participation

5-yr surrenderDoes not vary by premium

Fixed: 4.35% · 1-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Par: 149% · 5-yr

Dow Jones U.S. Real Estate

Final Average with Participation Rate · participation

5-yr surrenderDoes not vary by premium

Par: 121% · 5-yr

Health Care Select Sector Index

Final Average with Participation Rate · participation

5-yr surrenderDoes not vary by premium

Par: 98% · 5-yr

S&P 500 Index

Final Average with Participation Rate · participation

5-yr surrenderDoes not vary by premium

Par: 78% · 5-yr

Nasdaq Biotechnology Index

Final Average with Participation Rate · participation

5-yr surrenderDoes not vary by premium

Par: 73% · 5-yr

Technology Select Sector Index

Final Average with Participation Rate · participation

5-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Elite 5

● Can I lose money in Elite 5?

A negative index return by itself does not reduce the contract's account value: Elite 5 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Elite 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Elite 5 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Certain period, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver

Documents

brochure

Elite5ClientBrochure.pdf

Confidence: highReviewed Apr 1, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Elite 5 currently shows 11 indexed or fixed crediting options, including S&P 500 Index and Dow Jones U.S. Real Estate, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 48% annual participation rate
  • S&P 500 Index: 98% 5-year participation rate
  • Dow Jones U.S. Real Estate: 58% annual participation rate
  • Dow Jones U.S. Real Estate: 149% 5-year participation rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 5 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Elite5ClientBrochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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See how Elite 5 compares for your age, state, premium, and income goals alongside other Americo fixed indexed annuity options.

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