Fixed Indexed Annuity

Americo Elite 5

Americo

10%

Free W/D

Jurisdictions

Product data status: May 29, 2026

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.

Live product data

Rates as of May 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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 termAdvisorWorld + 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

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsTermPremium

S&P 500

S&P 500 Index

48% participation rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

98% participation rate

5-year term

Premium band not shown

Dow Jones

Dow Jones U.S. Real Estate

58% participation rate

1-year term

Premium band not shown

Dow Jones

Dow Jones U.S. Real Estate

149% participation rate

5-year term

Premium band not shown

Fixed Account

4.35% declared rate

1-year term

Premium band not shown

+ 6 volatility-controlled index 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.

All crediting strategies

View rate listings (22 rows)

These are the current crediting strategy listings returned 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 surrender

Par: 51% · 1-yr

Health Care Select Sector Index

participation

5-yr surrender

Par: 48% · 1-yr

S&P 500 Index

participation

5-yr surrender

Par: 38% · 1-yr

Nasdaq Biotechnology Index

participation

5-yr surrender

Par: 34% · 1-yr

Technology Select Sector Index

participation

5-yr surrender

Fixed: 4.35% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 149% · 5-yr

Dow Jones U.S. Real Estate