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Fixed Indexed Annuity

Growth Commander 6

Americo Financial Life and Annuity Insurance Company

11.65%

Best Cap

10%

Free W/D

48

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 cap rate

11.65% 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 termAdvisorWorld + 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

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.75% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

11.65% cap rate

S&P 500

S&P 500 Index

11.6% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

65% participation rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

89% participation rate

Fixed Account

Fixed Account

3.95% declared rate

+ 8 volatility-controlled index options (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.

All crediting strategies

View rate listings (28 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: 213% · 1-yr

SG Global Balanced Index

(with fee) · participation

6-yr surrender

Par: 195% · 1-yr

Morgan Stanley Enhanced Allocation Index

(with fee) · participation

6-yr surrender

Par: 154% · 1-yr

SG Global Balanced Index

participation

6-yr surrender

Par: 141% · 1-yr

Morgan Stanley Enhanced Allocation Index

participation

6-yr surrender

Par: 89% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee) · participation

6-yr surrender

Par: 65% · 1-yr

S&P 500 IQ 0.5% Decrement Index

participation

6-yr surrender

Cap: 11.65% · 1-yr

S&P 500 IQ 0.5% Decrement Index

cap

6-yr surrender

Cap: 11.6% · 1-yr

S&P 500 Index

(with fee) · cap

6-yr surrender

Cap: 7.75% · 1-yr

S&P 500 Index

cap

6-yr surrender

Fixed: 3.95% · 1-yr

Fixed Account

fixed

6-yr surrender

Par: 302% · 2-yr

Morgan Stanley Enhanced Allocation Index

(with fee) · participation

6-yr surrender

Par: 286% · 2-yr

SG Global Balanced Index

(with fee) · participation

6-yr surrender

Par: 218% · 2-yr

Morgan Stanley Enhanced Allocation Index

participation

6-yr surrender

Par: 208% · 2-yr

SG Global Balanced Index

participation

6-yr surrender

Par: 213% · 1-yr

SG Global Balanced Index

(with fee)

Par: 195% · 1-yr

Morgan Stanley Enhanced Allocation Index

(with fee)

Par: 154% · 1-yr

SG Global Balanced Index

Par: 141% · 1-yr

Morgan Stanley Enhanced Allocation Index

Par: 89% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee)

Par: 65% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Cap: 11.65% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Cap: 11.6% · 1-yr

S&P 500 Index

(with fee)

Cap: 7.75% · 1-yr

S&P 500 Index

Fixed: 3.95% · 1-yr

Fixed Account

Par: 302% · 2-yr

Morgan Stanley Enhanced Allocation Index

(with fee)

Par: 286% · 2-yr

SG Global Balanced Index

(with fee)

Par: 218% · 2-yr

Morgan Stanley Enhanced Allocation Index

Par: 208% · 2-yr

SG Global Balanced Index

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.15%

Strategy guarantee

Minimum guaranteed participation: 5.00%

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 distinct indexed or fixed crediting choices across 28 current rate listings, including S&P 500 Index and S&P 500 IQ 0.5% Decrement Index, with 8 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: 7.75% cap
  • S&P 500 IQ 0.5% Decrement Index: 11.65% cap
  • S&P 500 Index: 11.6% cap

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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