Americo
The flagship insurer of Americo Life, Inc. - one of the largest independent, privately held U.S. insurance groups - a Kansas City-based carrier with more than a century of legacy and a focused retirement and protection lineup.
Financial strength
A
AM Best
A (Excellent) rated
Americo holds an A (Excellent) financial-strength rating from AM Best.
Privately held
Flagship company of Americo Life, Inc., one of the largest independent, privately held U.S. insurance groups.
Kansas City, MO
Headquartered in Kansas City, Missouri.
Century-long legacy
Roots tracing to The College Life Insurance Company (1946) and Great Southern Life (1909).
~780,000 policies
About 780,000 policies and $39.7 billion of insurance in force as of year-end 2023.
Run live numbers on Americo products
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Growth FIAs
Selected product: Elite 5
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
Other current products
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Explore Americo products
Americo’s lineup, grouped by what each product group is built to do. Current rates come from CANNEX via AdvisorWorld and are checked daily.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Americo Elite 5
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.
S&P 500 annual participation
48%
Growth Commander 6
A six-year-surrender accumulation FIA from an A-rated carrier filed in 48 jurisdictions, built around a no-fee S&P 500 annual cap option plus participation-rate strategies on volatility-controlled indexes, with no lifetime-income rider, no Protected Income Value, and notably no market-value adjustment on early exit.
S&P 500 annual cap
7.75%
Growth Commander 10
A ten-year, accumulation-only fixed indexed annuity from an A.M. Best A-rated carrier pairing a recognizable no-fee S&P 500 annual point-to-point cap with proprietary volatility-controlled indexes and optional 'with fee' allocation-charge variants — no income rider, no premium bonus, no market value adjustment.
S&P 500 annual cap
7.85%
LibertyMark Freedom 7
A seven-year-surrender fixed indexed annuity from an A-rated carrier, built for accumulation rather than rider income — pairing a no-fee S&P 500 annual cap with participation-rate strategies on two SG proprietary indexes and an S&P 500 IQ Decrement variant, each offered in both no-fee and 'Enhanced with Allocation Charge' fee-bearing versions.
S&P 500 annual cap
7.95%
LibertyMark Freedom 10
A 10-year, A-rated accumulation-focused fixed indexed annuity from Americo with a no-fee S&P 500 annual point-to-point cap alongside fee-bearing 'Enhanced with Allocation Charge' variants and a proprietary-decrement / participation-rate index menu, sold in 27 jurisdictions as the in-state counterpart to the LibertyMark Freedom 10 LT filing.
S&P 500 annual cap
8%
LibertyMark Freedom 10 LT
An A-rated, accumulation-focused 10-year fixed indexed annuity from Americo — the 20-state filing of the LibertyMark Freedom 10 family — with a vanilla S&P 500 annual cap alongside 2-year participation, decrement-index, and proprietary participation-rate strategies, plus optional fee-bearing uplift variants.
S&P 500 annual cap
8%
OptiMark
A 10-year, A-rated accumulation-focused fixed indexed annuity from Americo with an up-front premium bonus (vesting in the back half of the surrender period), a recognizable S&P 500 annual point-to-point cap alongside a fee-bearing 'enhanced' cap variant and a proprietary-decrement / participation-rate index menu, sold in 26 jurisdictions as the in-state counterpart to the OptiMark LT filing.
S&P 500 annual cap
11%
OptiMark LT
OptiMark LT is the 19-state filing of Americo's OptiMark fixed indexed annuity family — an accumulation-focused, A-rated FIA with a ten-year surrender, a premium bonus at issue, an S&P 500 annual point-to-point cap option, several proprietary participation-rate strategies, an MVA, and a return-of-premium death benefit. No income rider.
S&P 500 annual cap
11%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-16. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
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Company overview
What Americo is
Americo Financial Life and Annuity Insurance Company is a Kansas City-based insurer with a history spanning more than a century, and is the flagship company of Americo Life, Inc., one of the largest independent, privately held insurance groups in the U.S.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Americo offers life insurance and annuity products designed for financial protection and retirement, and as of year-end 2023 reported $9.1 billion in assets and $39.7 billion of insurance in force across approximately 780,000 policies.
As of 2023-12-31 · AnnuityRatesHQ carrier research, June 2026
Americo's annuity lineup spans Americo Elite, Growth Commander, and Platinum Assure.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Assets
~$9.1B
About $9.1 billion in assets as of year-end 2023.
As of 2023-12-31 · AnnuityRatesHQ carrier research, June 2026
Insurance in force
~$39.7B
About $39.7 billion of insurance in force across roughly 780,000 policies.
As of 2023-12-31 · AnnuityRatesHQ carrier research, June 2026
Headquarters
Kansas City, MO
Headquartered in Kansas City, Missouri.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Ownership
Private
Flagship company of the privately held Americo Life, Inc.
June 2026 · AnnuityRatesHQ carrier research, June 2026
History highlights
Americo Financial Life and Annuity Insurance Company traces to The College Life Insurance Company, founded in 1946.
Founded 1946 · AnnuityRatesHQ carrier research, June 2026
The broader group also includes Great Southern Life Insurance Company, founded in 1909, giving Americo more than a century of insurance lineage.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Americo has grown into a meaningful independent insurer with a focused retirement and protection product lineup.
June 2026 · AnnuityRatesHQ carrier research, June 2026
A privately held insurance group
Americo is the brand name for insurance products issued by subsidiary insurance companies controlled by Americo Life, Inc.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Americo Life, Inc. is one of the largest independent, privately held insurance groups in the United States, giving Americo a private-ownership structure distinct from publicly traded competitors.
June 2026 · AnnuityRatesHQ carrier research, June 2026
The group's insurance lineage includes Great Southern Life Insurance Company (founded 1909) and Americo Financial Life and Annuity Insurance Company, formerly The College Life Insurance Company (founded 1946).
June 2026 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
CurrentA
Excellent financial-strength rating; strong balance sheet and stable outlook.
June 2026
AnnuityRatesHQ carrier research, June 2026 · current rating check
What makes Americo different
Independent and privately held
As the flagship of Americo Life, Inc., Americo operates outside the public markets, with private ownership and a focused retirement and protection lineup.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Excellent AM Best rating
Americo's A (Excellent) rating from AM Best reflects a strong balance sheet, solid operating performance, and a conservative investment strategy.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Participation-led FIA design
Several Americo FIAs lean on participation-rate crediting across sector and proprietary indexes rather than cap-rate strategies, which shows up on each product page.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Focused lineup with state filings
Americo keeps a compact lineup with several state-specific filings (LibertyMark, OptiMark, Platinum Assure), so availability and surrender terms are shown for each product.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Americo
Americo Financial Life and Annuity Insurance Company, headquartered in Kansas City, Missouri, is the flagship of the privately held Americo Life, Inc., with insurance lineage spanning more than a century.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Americo is smaller than national carriers such as Prudential, F&G, or Mutual of Omaha, but its private ownership, A (Excellent) AM Best rating, long operating history, and focused retirement lineup make it a credible independent carrier. Its agency rating coverage is more limited than the largest carriers.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Americo focuses on the Elite, Growth Commander, LibertyMark Freedom, and OptiMark FIAs, with Platinum Assure serving fixed-rate buyers.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Americo's current rate report
Compare Americo's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Americo website — 2026-06-20
- AnnuityRatesHQ carrier research, June 2026 — June 2026
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026