Annuity Rates

One of the biggest factors many people take into consideration before they purchase an annuity is the interest rate they are getting. Rates may differ from a 2-year fixed rate annuity to a 7-year fixed rate annuity. That being said, longer annuities generally provide a higher interest rate to allow your money to grow even more.



Find Your Americo Fixed Rate Annuity Interest Rate

2-Year Fixed Annuity 3-Year Fixed Annuity 4-Year Fixed Annuity
3.75% 3.95% 4.40%
5-Year Fixed Annuity 6-Year Fixed Annuity 7-Year Fixed Annuity
4.45% 4.50% 4.60%


Current Interest Rate

Current interest rates are declared by Americo Financial Life and Annuity Insurance Company (“Americo”) and they are guaranteed for the duration of the guarantee period of your annuity. This means your interest rate will never change during the guaranteed period of the annuity. This form of investment allows you to confidently plan for your future income as you’ll know exactly how much growth you will accumulate, giving you the assurance to plan accordingly.

Growing Your Investment

During the accumulation phase your initial premium payment will grow based upon the current interest rate. Your money is also tax-deferred during this time. One thing to take note of is that the longer you invest your money, the higher the interest rate may be. While everyone’s financial plans and needs are different, a longer annuity could set you up for larger financial success.

Benefits of a Fixed Interest Rate

The plus side to your fixed rate annuity is that you know your money will grow no matter what, and your initial premium won’t be lost to a volatile market that is outside of your control. You also know how much growth to expect from the annuity so you can financially plan for the future. In other investments, the growth and value of your initial investment cannot quickly be determined in a volatile market. By investing in a fixed-rate annuity, you are guaranteed the growth of your money.

Why Invest in an Annuity with Americo

Americo has earned an “A” (Excellent) by A.M. Best, offering you a portrait of financial stability. Our priority is always our clients’ financial security. To make sure we stay at the top of our game for you, we strive to meet and exceed the highest industry standards. An independent rating firm routinely assesses the financial strength, stability, and claims paying ability of Americo. We continue to receive a high-performance rating from an independent evaluator, A.M. Best.

Learn more about how a fixed rate annuity such as a MYGA can benefit you. Americo offers select annuities at competitive rates to help achieve financial success. Find out more about Americo’s different rates for each annuity term or get in touch with an agent today.

A.M. Best rating for Americo Financial Life and Annuity Insurance Company (Americo), September 2020. Americo Financial Life and Annuity Insurance Company has a financial strength rating of A (Excellent, 3rd out of 15 rating categories.) A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile. A.M. Best uses a scale of 15 ratings, ranging from “A++” to “F.”

Americo Annuity is a marketing website representing Americo Financial Life and Annuity Insurance Company (AFL). Annuity policies are underwritten by AFL, Kansas City, MO, and may vary in accordance with state laws. Not all policies and benefits are available in every state. AFL is authorized to conduct life insurance business in the District of Columbia and all states except NY.

Platinum Assure Series (Policy Series 320) is underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Product and rider may not be available in all states. Certain restrictions apply. Consult contract for limitations and exclusions.

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