Ratings last updated July 30, 2026
Americo is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of A (Excellent).
AM Best assigns Americo a financial-strength rating of A, which sits in its "Excellent" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. An A reflects AM Best's assessment that the company has an excellent ability to meet those obligations. Ratings can change; the rating shown here was last checked July 30, 2026.
Americo lists both multi-year guaranteed annuities (MYGAs) and fixed index annuities (FIAs) on AnnuaLife. The MYGA products link to a full detail page; the fixed index products are covered in our fixed index guide. Rates and caps below are examples as of July 30, 2026 and vary by state.
Multi-year guaranteed annuities
| Product | Term | Rate | Minimum | Details |
|---|---|---|---|---|
| Platinum Assure 2 | 2 yr | 4.15% | $25,000 | View |
| Platinum Assure 6 | 6 yr | 5.55% | $25,000 | View |
Fixed index annuities
| Product | Index | Cap | Participation | Minimum |
|---|---|---|---|---|
| Ultimate One Index 9 | S&P 500 annual pt-to-pt | 12.45% | 82% | $10,000 |
| Ultimate One Index 7 | S&P 500 annual pt-to-pt | 11.85% | 77% | $10,000 |
Fixed index annuities work differently from fixed-rate products. Learn how caps and participation rates shape your return in the fixed index annuity guide.
Americo carries an A ("Excellent") AM Best rating and lists both multi-year guaranteed annuities and fixed index annuities on our board. Its MYGA rates sit mid-pack rather than at the top, a common profile for an established A-rated carrier, where you trade a little headline yield for a stronger rating. If you want index-linked growth with a floor instead of a flat guaranteed rate, its Ultimate One index series is worth a look.
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