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Fixed Indexed Annuity

OptiMark

Americo

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11%

Best S&P 500 Annual Cap

10%

Free W/D

26

Available states

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 OptiMark 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
$352,676
Est. value at age 80 (OptiMark)
12%
Premium bonus offered
S&P 500 Index — 11% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies OptiMark's published cap rate (11% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $12,000 premium bonus (12%) = $112,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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Live rate data

Run live numbers for OptiMark

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 point-to-point cap (no allocation charge)

11% cap on S&P 500

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.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers in one of this contract's 26 jurisdictions who want a long-surrender, A-rated accumulation FIA with at least one recognizable S&P 500 cap option and a premium bonus they intend to hold long enough to vest, and who are comfortable evaluating the no-fee vs. fee-bearing strategy variants and the proprietary-index alternatives on their own merits rather than expecting an income guarantee from this contract.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

26 states (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.7% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

11% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

45% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

2.85% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 7 additional crediting options (S&P 500, SG Lead, SG Columbia...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so this contract gives a buyer at least one like-for-like comparison point against other FIAs on this site rather than only proprietary or fee-bearing strategies.
  • Contract carries an up-front premium bonus that vests across the back half of the surrender period (no vesting in the first five contract years, then graded vesting through year ten). The bonus is meaningful only to a buyer who plans to hold the full surrender term — early surrenders forfeit most or all of it.
  • Liquidity provisions are visible directly on this page: a 10% annual free-withdrawal allowance, the full 10-year surrender ladder, an MVA flag, and a nursing-home waiver, rather than being gated behind a sales brochure.
  • Standard death benefit on this contract is Return of Premium via the Enhanced Death Benefit Rider, so heirs receive at least the premium paid in regardless of how the index strategies performed.

What to confirm

  • This contract covers only 26 jurisdictions. A separate OptiMark LT filing is sold in the other 19 jurisdictions, with no state overlap between the two. Read this page only if you live in one of the states this contract covers; otherwise the other OptiMark LT page applies to you, even though the product name is nearly identical.
  • The same S&P 500 annual point-to-point strategy appears on this contract in two variants with materially different headline caps. The higher of the two is the 'enhanced' / allocation-charge variant whose cap is propped up by a strategy charge deducted regardless of index performance — a higher cap on a fee-bearing strategy is NOT directly comparable to the no-fee cap. Read the strategy fee/charge column before reading the cap number; the honest headline is the no-fee S&P 500 cap.
  • Several on-menu indexes are proprietary excess-return constructions (SG Columbia Adaptive Risk Allocation, SG Lead Asset Select Exposure Rotation) and one is a decrement index (S&P 500 IQ 0.5% Decrement Index — a 0.5% annual deduction is built into the index level itself). Their headline participation rates can look large in absolute terms but are not directly comparable to an S&P 500 cap and several carry shorter live-track histories than the S&P 500 itself. Surrender lockup runs the full ten years with an MVA on amounts above the 10% free-withdrawal allowance — confirm MVA mechanics with the carrier before any planned partial surrender, and do not buy on a horizon shorter than the surrender period.
  • This contract is NOT an income product. There is no Protected Income Value mechanism in this data, no GLWB rider, and no income enhancement — if a lifetime-income guarantee is the reason for the purchase, OptiMark is not the Americo FIA to evaluate.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider or a built-in Protected Income Value income mechanism, who want short-surrender liquidity or are unwilling to wait until the back half of the surrender period for the premium bonus to vest, who want a plain MYGA-style declared rate, or who live in one of the 19 jurisdictions covered by the OptiMark LT sibling filing instead of this one — for those buyers, this is the wrong page to be reading.

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All crediting strategies

View rate listings (11 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: 122% · 1-yr

SG Lead Asset Select Exposure Rotation Index

participation

10-yr surrenderDoes not vary by premium

Par: 121% · 1-yr

SG Columbia Adaptive Risk Allocation Index

participation

10-yr surrenderDoes not vary by premium

Par: 48% · 1-yr

S&P 500 IQ 0.5% Decrement Index

participation

10-yr surrenderDoes not vary by premium

Cap: 11% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 7.4% · 1-yr

S&P 500 IQ 0.5% Decrement Index

cap

10-yr surrenderDoes not vary by premium

Cap: 5.7% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 5.3% · 1-yr

S&P 500 IQ 0.5% Decrement Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 2.85% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 168% · 2-yr

SG Lead Asset Select Exposure Rotation Index

participation

10-yr surrenderDoes not vary by premium

Par: 166% · 2-yr

SG Columbia Adaptive Risk Allocation Index

participation

10-yr surrenderDoes not vary by premium

Par: 45% · 2-yr

S&P 500 Index

participation

10-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 OptiMark

● Can I lose money in OptiMark?

A negative index return by itself does not reduce the contract's account value: OptiMark 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 10 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 OptiMark's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current OptiMark 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

Premium bonus

12%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Enhanced Death Benefit Rider

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

0.50%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.00%

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

13%

Yr 2

12%

Yr 3

11%

Yr 4

10%

Yr 5

9%

Yr 6

8%

Yr 7

7%

Yr 8

6%

Yr 9

5%

Yr 10

4%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

AF1738F.pdf

Confidence: highReviewed Apr 2, 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

OptiMark currently shows 11 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 7 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: 5.7% annual cap
  • S&P 500 Index: 11% annual cap
  • S&P 500 Index: 45% 2-year participation rate
  • Fixed Account: 2.85% 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
  • 10 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as AF1738F.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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See how OptiMark compares for your age, state, premium, and income goals alongside other Americo fixed indexed annuity options.

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