Indexed Annuity

Now more than ever, people are looking for secure ways to invest their money. With increasing life expectancies, rising costs of retirement, and market volatility, many people are unsure about where to put their money. That's where Elite 5 Indexed Annuity comes in.

Elite 5 Indexed Annuity gives you the choice on how to invest your money. Take part in the market without the downside.

Choose Where You Invest

Includes S&P 500 Select Sector Index companies from the following industries: pharmaceuticals
health care equipment and supplies; health care providers and services; biotechnology;
life sciences tools and services, and health care technology.

Includes S&P 500 Select Sector Index companies form the following industries: IT Services;
software; communications equipment; technology hardware, storage and peripherals;
electronic equipment, instruments and components.

Contains securities of NASDAQ-listed companies classified according to the Industry
Classification Benchmark as either Biotechnology or Pharmaceuticals which also meet other eligibility criteria.

The Dow Jones U.S. Real Estate Index represents the performance of real estate investment trusts (REITs) and other companies that invest directly or indirectly in real estate through development, management, or ownership.

A market-capitalization-weighted index of the 500 largest publicly-traded companies in the U.S.

Elite 5 Features

  • 10 index options available
  • Declared interest account
  • Full accumulation value death benefit
  • Accumulation value adjustment on the 5th anniversary
  • Confinement endorsement

Product Terms:

Point-to-Point - Point-to-Point is the method used to determine the Index Rate. The closing values of the Index at the beginning and end of the year are compared [(ending value - beginning value) / beginning value]. The annual indexed crediting rate applied to the Participation Account will be determined by adjusting this index rate by the current Participation Rate.

Final Average - The Index Credited Amount under the Final Average with Participation Rate Index Option is a calculated Amount based upon the percentage change of the Index Value from the beginning to the end of an Index Period, where the ending value is a 30-day average. This percentage change is the Index Rate. If the Index Rate is positive, the Net Index Rate will equal the Index Rate multiplied by the Participation Rate. If the Index Rate is negative or zero, there is no Index Credited Amount.

Participation Rate - The Participation Rate is declared in advance of each year-long index period or 5-year index period (depending on which indexes are chosen) and will be guaranteed for the one year or 5-year index period. The Participation Rate is the percentage of the index rate that will be used in determining the indexed crediting rate.

Declared Interest Account - Under the Declared Interest Option, interest is credited on a daily basis at a declared rate that is set in advance by Americo. This declared rate is guaranteed for one contract year (Term Period). Americo reserves the right to change the interest rate at any time for future allocations. We guarantee the declared rate will never be lower than 0.25%.

What is an Indexed Annuity?
An indexed annuity is a type of fixed annuity in which the interest rate is based on the performance of a financial index, such as the S&P 500® Index or NASDAQ. The interest paid is calculated based on changes in the index.
Indexed annuities offer the potential to outperform traditional fixed annuities when there are gains in the index. However, unlike variable annuities, indexed annuities offer downside protection. This means even if the index declines, the annuity will not lose value. Also, once earnings are calculated they are locked in for life - they never change as a result of poor market conditions.

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Singe Premium Deferred Annuity with Indexed and Declared Interest Options. Contract Series 318. Index Option Rider Series 4318. Elite 5 Series 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.