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Fixed Indexed Annuity

OptiMark LT

Americo

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11%

Best S&P 500 Annual Cap

10%

Free W/D

19

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 LT 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
$346,378
Est. value at age 80 (OptiMark LT)
10%
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 LT'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 + $10,000 premium bonus (10%) = $110,000. 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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See how OptiMark LT 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 OptiMark LT

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

11% 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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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 (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

  • 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.

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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 LT

● Can I lose money in OptiMark LT?

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

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

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.

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

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 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 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

Free Comparison Report

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

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