Platinum Assure
Americo
3%
Free W/D
49
States
A fixed-rate annuity that guarantees your principal and interest earnings for 2-7 years while allowing tax-deferred growth and limited annual penalty-free withdrawals. Ideal for conservative investors approaching retirement who want safety and predictable income.
Free Withdrawal
3%/yr
Available In
49 states
Min Premium
$25,000
Surrender
7 years
Key Features
Guarantee Period Options
6 options availableChoose between 2, 3, 4, 5, 6, or 7-year guarantee periods with locked-in interest rates
Tax-Deferred Growth
100% tax-deferredAll earnings grow without annual tax liability until withdrawal, allowing more money to compound
Penalty-Free Withdrawal
9% at year 1 (varies by guarantee period)Withdraw a percentage of account value once per contract year without surrender charges or market adjustments
Nursing Home Waiver
Available in most statesIf confined to qualified nursing home or hospital for 90+ consecutive days, access full account value without penalties
Death Benefit
100% of account valueBeneficiaries receive the full account value with no reductions or delays
Market Value Adjustment
Automatic adjustment featureSurrender value adjusts based on interest rate changes if withdrawn during guarantee period (does not apply to penalty-free withdrawals)
Highlights
Guaranteed interest rate for your entire chosen guarantee period (2-7 years), with no rate fluctuation risk
Tax-deferred growth means more of your money compounds over time instead of going to taxes
Penalty-free access to a portion of your account each year, plus full access after the guarantee period ends
Nursing home waiver provides access to your entire account value if confined for 90+ consecutive days
Full account value passes to beneficiaries at death with no reduction
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver
Best For
Conservative investors within 5-10 years of retirement who prioritize capital safety and guaranteed returns over growth potential, and who want predictable income with limited flexibility.
Consider Alternatives If
Investors who need frequent access to their money, expect to retire within 2 years, or require flexibility to access large sums without penalties during the guarantee period.
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