Americo Elite 5 Index Annuity – Short-Term Growth with Long-Term Security
Flexible Growth Without Long Commitments
At Diversified Insurance Brokers, we guide clients toward annuities that meet both their timeline and long-term financial goals. The Americo Elite 5 Index Annuity, issued by Americo Financial Life and Annuity Insurance Company, is designed for individuals who want reliable accumulation potential, short-term flexibility, and the ability to turn assets into guaranteed income later in retirement.
With a 5-year surrender schedule, this product offers more flexibility than many longer-term options while still delivering meaningful growth and protection benefits.
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Built for Accumulation—Without Market Risk
The Americo Elite 5 uses fixed indexed crediting strategies to grow your contract value based on the performance of popular market indices, including:
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S&P 500® Index
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NASDAQ Biotechnology Index
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Dow Jones Industrial Average
These options offer exposure to different sectors and asset classes—all while protecting your principal from market downturns.
Interest earnings grow tax-deferred, allowing for more efficient compounding over time. If you’d like to compare the Americo Elite 5 to other short-term annuities, request a customized quote here, and our team will walk you through side-by-side illustrations.
Liquidity and Lifetime Income Options
After the first year, you can withdraw up to 10% annually from your annuity without penalty. The contract also includes special waivers for nursing home confinement or extended hospital stays, giving you access to funds in the event of a serious health event.
For long-term security, the Guaranteed Lifetime Income option allows you to convert your annuity into a stream of payments you can never outlive—regardless of market performance or how long you live.
Legacy Protection for Your Family
In the event of the annuitant’s passing, the full accumulation value is paid directly to beneficiaries—ensuring your savings are preserved and transferred efficiently.
Who This Annuity May Be a Good Fit For
The Americo Elite 5 Index Annuity may be a great solution for:
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Individuals nearing retirement who want short-term flexibility without sacrificing growth
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Clients who value multiple index options but want principal protection
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Pre-retirees or retirees looking for access to their money in emergencies
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Savers who plan to generate income in retirement but aren’t ready yet
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Individuals seeking a legacy-friendly annuity with a 5-year surrender window
It’s also a strong fit for rollover funds or cash repositioning when you want an efficient, safe accumulation solution with income flexibility built in.
Contact Us Today:
Ready to explore this annuity in more detail — or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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