Platinum Assure
Americo
5.45%
5-yr guarantee
5%
Free W/D
49
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed declared rate
5.45% guaranteed for 5 years
A straightforward multi-year guaranteed annuity from an A-rated carrier, offered in multiple guarantee-period lengths with a term-scoped surrender ladder, an MVA, and a small annual free-withdrawal allowance — broadly filed across 49 jurisdictions (every US state plus the District of Columbia, except California and New York).
Best fit
Safety-first buyers who want a known, contractually guaranteed interest rate for a defined number of years from a financially sound carrier, are comfortable leaving the premium alone for the chosen guarantee period, and do not need market upside or a lifetime-income mechanism.
AM Best
A Excellent
Surrender period
2 years
Free withdrawal
5%/yr
Availability
49 jurisdictions (excl. California, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Multiple guarantee-period lengths are offered, so buyers can match the rate-lock to the horizon they actually want rather than being forced into a single term.
- Broadly filed across the country (49 jurisdictions — every US state plus the District of Columbia, except California and New York), so most buyers in most states can purchase the product on its standard terms.
- The surrender ladder is scoped to the chosen guarantee period — when the rate lock ends, the surrender charges end with it, so the contract does not extend penalty exposure beyond the term the buyer signed up for.
- A standard nursing-home waiver is built in, giving the contract a baseline liquidity escape valve for a defined hardship without paying for an optional rider.
What to confirm
- A market value adjustment (MVA) applies during the surrender period. If interest rates rise after issue, an early surrender can return less than the account value — the MVA is in addition to, not in place of, the surrender charge.
- Free-withdrawal allowance is limited (a small percentage of the contract value each year). This is a deferral product, not a checking account — buyers who need ongoing access to principal should size the premium accordingly.
- California and New York residents cannot buy this filing. California buyers should look at the Platinum Assure (CA) filing, which is the sibling product with a state-specific surrender schedule and free-withdrawal allowance.
- This is a fixed declared-rate contract: no upside participation in any market index, no built-in lifetime-income mechanism, and no income rider available. Buyers looking for either growth participation or guaranteed lifetime income should be comparing FIAs, not this product.
Not ideal for
Buyers who need ongoing access to principal, want exposure to a market index, are looking for guaranteed lifetime income, or live in California or New York — the broadly-filed Platinum Assure is not available in those two states, and California buyers should use the Platinum Assure (CA) sibling filing instead.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 2-Year | 4.15% |
| 3-Year | 4.45% |
| 4-Year | 4.75% |
| 5-Year | 5.45% |
| 6-Year | 5.45% |
| 7-Year | 5.5% |
Key Features
Free withdrawal
3%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
1Nursing home waiver
Death benefit
Death BeneftBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
9%
Yr 2
8%
After
0%
Nursing home waiver, Surrender waivers
Carrier Ratings
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