Market-Linked Growth with No Risk to Principal

One of the key advantages of the Ultimate One Index 7 Annuity is the ability to participate in market gains without risking your principal. The annuity offers a variety of crediting strategies, including:

• Monthly Averaging tied to the S&P 500 Index

• Annual Point-to-Point crediting methods

• A fixed interest option for those who prefer guaranteed returns

These strategies allow you to select the level of market exposure you’re comfortable with, while keeping your principal protected in times of market volatility. This feature alone makes the Americo Ultimate One Index 7 a strong alternative to traditional investments like CDs or bonds.

Tax-Deferred Accumulation and Liquidity

Your annuity value grows on a tax-deferred basis, allowing you to maximize compound interest over time without paying taxes on gains until you take distributions. This feature is particularly powerful for retirees who want to defer income until a later date when they may be in a lower tax bracket.

In addition, the contract includes penalty-free withdrawals of up to 10% of the accumulation value annually, starting after the first contract year. This allows you to access funds when needed without triggering surrender charges—an important benefit for managing unexpected expenses in retirement.

Built-In Safety Features and Withdrawal Flexibility

The Ultimate One Index 7 Annuity also includes special waivers for long-term care-related situations. Policyholders can access funds without penalty in the event of:

• Nursing home confinement

• Hospital stays lasting 90 consecutive days or more

These provisions provide financial peace of mind should health circumstances change unexpectedly.

Additionally, the product includes a Market Value Adjustment (MVA), which may impact values for early withdrawals beyond the free withdrawal limit. The surrender charge schedule is designed to balance long-term growth with financial flexibility, and our advisors at Diversified Insurance Brokers will walk you through how it applies to your specific timeline and goals.

Built-In Legacy Protection

This annuity includes a guaranteed death benefit, ensuring that beneficiaries receive the full contract accumulation value. It’s a straightforward, tax-advantaged way to pass on wealth without the complications of probate or market exposure, making it a strong choice for legacy planning.

Who Is the Americo Ultimate One Index 7 Annuity Best For?

This annuity is a great fit for:

• Individuals looking for moderate growth with principal protection

• Those nearing or in retirement who want flexible income access

• Anyone concerned about market risk and healthcare-related withdrawals

• Families seeking a simple, tax-advantaged way to leave a financial legacy

Whether you’re rolling over a retirement account or reallocating a portion of your savings, this annuity offers a reliable solution for long-term financial security.

Why Choose Diversified Insurance Brokers?

With over 75 top-rated carriers and a team of independent advisors, Diversified Insurance Brokers is here to help you compare options and find the best annuity for your retirement goals. We take the time to understand your needs, explain your options clearly, and provide personalized guidance—so you can move forward with confidence.

Looking to get started? Complete our Annuity Quote Request Form and our team will help match you with the best solution for your retirement goals.

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