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Fixed Indexed Annuity

OptiMark LT

Americo

7.4%

Best Cap

10%

Free W/D

19

States

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 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

7.4% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers in the 19 jurisdictions where this LT filing applies who want accumulation-focused growth with downside protection, can commit to a ten-year surrender in exchange for the up-front premium bonus, and want both an S&P 500 cap option and higher-participation proprietary-index alternatives in the same contract.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

19 states

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.7% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

7.4% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

100% participation rate + 5.3% declared rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

48% participation rate

S&P 500

S&P 500 Index

45% participation rate

Fixed Account

Fixed Account

2.85% declared rate

+ 4 volatility-controlled index options (SG Lead, SG Columbia...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus is applied at issue — additional value is credited on top of the premium up front, which buyers should weigh against the long surrender schedule (the bonus is the carrier's compensation for the term commitment, not free money).
  • Crediting menu spans a one-year fixed account, an S&P 500 annual point-to-point cap strategy, and several proprietary participation-rate indexes (including two-year terms). That gives buyers a clear like-for-like S&P 500 comparison alongside higher-participation alternatives.
  • Liquidity disclosures are visible on this page — the full surrender ladder, the free-withdrawal allowance, and the MVA flag are all shown, so the cost of early access is not gated behind a sales brochure.
  • Return-of-premium death benefit is included, so the contract guarantees beneficiaries at least the premium paid regardless of account performance.

What to confirm

  • This is an accumulation-focused FIA — there is no income rider and no built-in Protected Income Value mechanism. Buyers looking for a contractually-tracked lifetime income figure should look elsewhere; the only "income" path here is annuitization or systematic withdrawals from the account value.
  • Ten-year surrender schedule with a market-value adjustment (MVA) — early access beyond the free-withdrawal allowance is expensive, and the MVA can move the surrender cost up or down with interest rates. The first-year surrender charge is the highest in the ladder.
  • Several of the higher-participation strategies use proprietary, volatility-controlled indexes (not the S&P 500). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits.
  • The two-year point-to-point strategies lock crediting into a longer window. Skipping a credit if the index is down at the end of the two-year term means a longer wait before the next reset compared with one-year strategies.

Not ideal for

Buyers who need short-surrender liquidity, a guaranteed lifetime-withdrawal rate from an optional rider, or a built-in Protected Income Value income mechanism — none of those are part of this contract. Buyers in the other 26 jurisdictions covered by Americo's OptiMark filing (the non-LT sibling) — those residents see OptiMark instead, and the two filings have zero state overlap.

All crediting strategies

View rate listings (20 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: 122% · 1-yr

SG Lead Asset Select Exposure Rotation Index

participation

10-yr surrender

Par: 121% · 1-yr

SG Columbia Adaptive Risk Allocation Index

participation

10-yr surrender

Par: 100% + Fixed: 5.3% · 1-yr

S&P 500 IQ 0.5% Decrement Index

trigger

10-yr surrender

Par: 48% · 1-yr

S&P 500 IQ 0.5% Decrement Index

participation

10-yr surrender

Cap: 7.4% · 1-yr

S&P 500 IQ 0.5% Decrement Index

cap

10-yr surrender

Cap: 5.7% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.85% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 168% · 2-yr

SG Lead Asset Select Exposure Rotation Index

participation

10-yr surrender

Par: 166% · 2-yr

SG Columbia Adaptive Risk Allocation Index

participation

10-yr surrender

Par: 45% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 122% · 1-yr

SG Lead Asset Select Exposure Rotation Index

Par: 121% · 1-yr

SG Columbia Adaptive Risk Allocation Index

Par: 100% + Fixed: 5.3% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Par: 48% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Cap: 7.4% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Cap: 5.7% · 1-yr

S&P 500 Index

Fixed: 2.85% · 1-yr

Fixed Account

Par: 168% · 2-yr

SG Lead Asset Select Exposure Rotation Index

Par: 166% · 2-yr

SG Columbia Adaptive Risk Allocation Index

Par: 45% · 2-yr

S&P 500 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

Premium bonus

10%

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.00%

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

11%

Yr 2

10%

Yr 3

9%

Yr 4

8%

Yr 5

7%

Yr 6

6%

Yr 7

5%

Yr 8

4%

Yr 9

3%

Yr 10

1%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

Americo – OptiMark LT Fixed Indexed Annuity – Brochure (AF1738 : Series).pdf

Confidence: highReviewed Apr 5, 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 LT currently shows 10 distinct indexed or fixed crediting choices across 20 current rate listings, including S&P 500 Index and S&P 500 IQ 0.5% Decrement Index, with 4 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: 5.7% cap
  • S&P 500 IQ 0.5% Decrement Index: 7.4% cap
  • S&P 500 IQ 0.5% Decrement Index: 100% participation

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 Americo – OptiMark LT Fixed Indexed Annuity – Brochure (AF1738 : Series).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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