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Fixed Indexed Annuity

Growth Commander 6

Americo

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7.75%

Best S&P 500 Annual Cap

10%

Free W/D

48

Available jurisdictions

Product data status: July 16, 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.

Model this product

See what Growth Commander 6 would do for you

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

Product analyzer
Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$236,698
Est. value at age 80 (Growth Commander 6)
7.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 11.6% Cap ((with fee) · Annual · 1.5% fee)
✦
How crediting works: the cap limits positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Growth Commander 6's published cap rate (11.6% 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. Net growth deducts the 1.5% annual strategy fee listed for this strategy. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how Growth Commander 6 compares for your age, state, premium, and income goals alongside other Americo fixed indexed annuity options.

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Live rate data

Run live numbers for Growth Commander 6

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

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

7.75% cap on S&P 500

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.

1-year term6-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want tax-deferred accumulation from an A-rated carrier but are not willing to lock funds for the longer period most accumulation FIAs require — the shorter surrender plus the absence of an MVA on early exit makes the worst-case exit cost more predictable than on longer comparable contracts, and the crediting menu still includes a like-for-like recognizable S&P 500 cap.

AM Best

A Excellent

Surrender period

6 years

Free withdrawal

10%/yr

Availability

48 jurisdictions (excl. Alabama, Mississippi, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.75% cap rate

Annual cap

1-year term · 6-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

(with fee)

11.6% cap rate

Annual cap

Strategy fee: 1.5%/yr

1-year term · 6-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.95% declared rate

Fixed account

1-year term · 6-year surrender · Does not vary by premium

+ 11 additional crediting options (S&P 500, Balanced, Morgan Stanley...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Short six-year surrender period for a fixed indexed annuity — most accumulation FIAs lock buyers in for seven or ten years, so the same crediting menu becomes available with a meaningfully shorter commitment than the carrier's own Growth Commander 10 sister filing.
  • Annual free-withdrawal allowance plus a nursing-home surrender waiver are visible directly on this page rather than buried in a sales brochure, so the structured liquidity inside the surrender period is clear up front.
  • No market-value adjustment is layered on top of the surrender charge, so an early exit costs only the scheduled surrender percentage rather than a surrender plus an interest-rate-driven MVA penalty — meaningfully different from most accumulation FIAs at this surrender length.
  • Crediting menu pairs a recognizable no-fee S&P 500 annual point-to-point cap with a fixed-rate bucket and a wider set of participation-rate strategies on volatility-controlled indexes (SG Global Balanced, Morgan Stanley Enhanced Allocation, an S&P 500 decrement variant), so the same contract can express either a like-for-like S&P comparison or higher-participation alternatives across both annual and two-year crediting cadences.

What to confirm

  • There is no lifetime-income rider attached to this contract in the live data, and no Protected Income Value mechanism. This is a pure accumulation FIA — do not pitch it as a guaranteed lifetime payout product, and do not compare its numbers side-by-side with rider-led income contracts.
  • Several of the highest-looking participation rates and the highest S&P 500 cap on this contract are on 'with fee' Enhanced variants that carry an allocation charge deducted regardless of index performance. A headline rate on a fee-bearing strategy is not directly comparable to a no-fee strategy at the same headline rate — read the fee column on the strategy table before quoting the higher numbers.
  • Several index options are proprietary volatility-controlled or decrement indexes (S&P 500 IQ Decrement, SG Global Balanced, Morgan Stanley Enhanced Allocation). Their participation rates can look high in absolute terms but are not directly comparable to a recognizable S&P 500 cap, and they typically have shorter live-track histories than the S&P 500 itself — evaluate each strategy on its own.
  • The death benefit is the standard cash-surrender-value design with no rollup and no step-up, so this contract is not built as a wealth-transfer vehicle — estate-focused buyers expecting an enhanced or account-value-based death benefit will not find one here.
  • The six-year surrender ladder starts at its highest charge in year one and stays at that level in year two before grading down. Buyers needing meaningful liquidity beyond the free-withdrawal allowance in the first two years will pay the full surrender charge on the excess.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a Protected Income Value built-in-income chassis, need a death benefit with a rollup or step-up, or want very short surrender liquidity — none of those are part of this contract's design, and the carrier's longer-surrender filings or rider-led income products are the right comparison instead.

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All crediting strategies

View rate listings (14 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: 213% · 1-yr

SG Global Balanced Index

(with fee) · participation

6-yr surrenderDoes not vary by premium

Par: 195% · 1-yr

Morgan Stanley Enhanced Allocation Index

(with fee) · participation

6-yr surrenderDoes not vary by premium

Par: 154% · 1-yr

SG Global Balanced Index

participation

6-yr surrenderDoes not vary by premium

Par: 141% · 1-yr

Morgan Stanley Enhanced Allocation Index

participation

6-yr surrenderDoes not vary by premium

Par: 89% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee) · participation

6-yr surrenderDoes not vary by premium

Par: 65% · 1-yr

S&P 500 IQ 0.5% Decrement Index

participation

6-yr surrenderDoes not vary by premium

Cap: 11.65% · 1-yr

S&P 500 IQ 0.5% Decrement Index

cap

6-yr surrenderDoes not vary by premium

Cap: 11.6% · 1-yr

S&P 500 Index

(with fee) · cap

6-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

S&P 500 Index

cap

6-yr surrenderDoes not vary by premium

Fixed: 3.95% · 1-yr

Fixed Account

fixed

6-yr surrenderDoes not vary by premium

Par: 302% · 2-yr

Morgan Stanley Enhanced Allocation Index

(with fee) · participation

6-yr surrenderDoes not vary by premium

Par: 286% · 2-yr

SG Global Balanced Index

(with fee) · participation

6-yr surrenderDoes not vary by premium

Par: 218% · 2-yr

Morgan Stanley Enhanced Allocation Index

participation

6-yr surrenderDoes not vary by premium

Par: 208% · 2-yr

SG Global Balanced Index

participation

6-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current 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 Growth Commander 6

● Can I lose money in Growth Commander 6?

A negative index return by itself does not reduce the contract's account value: Growth Commander 6 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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 6 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 Growth Commander 6's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Growth Commander 6 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.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.15%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

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%

Yr 6

4%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

Growth-Commander-Brochure-AF1542v1121.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

Growth Commander 6 currently shows 14 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 11 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.75% annual cap
  • S&P 500 Index: 11.6% annual cap, Fee-bearing option, 1.5% annual strategy fee
  • Fixed Account: 3.95% fixed account 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
  • 6 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as Growth-Commander-Brochure-AF1542v1121.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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