Americo Growth Commander Annuity – Market-Linked Growth with Downside Protection and Income Options
At Diversified Insurance Brokers, we help clients build strong retirement strategies by combining growth opportunities with protection and stability. The Americo Growth Commander Fixed Indexed Annuity, issued by Americo Life and Annuity Company, is an excellent solution for individuals looking for market-linked growth without the risk of loss, along with flexible liquidity and lifetime income potential.
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Market Participation with Principal Protection
This annuity gives you access to a wide range of interest crediting strategies, including market index-linked options and a fixed interest rate strategy. These strategies allow your retirement savings to grow based on market performance—without risking your principal. If the market performs poorly, you simply earn zero interest for that period—your account value is never reduced due to market loss.
Accessible for a Broad Range of Investors
The minimum investment requirement is just $10,000, making this annuity accessible for most retirement savers. Higher maximums may be allowed with approval and vary by age, which adds flexibility based on your investment stage.
Flexible Liquidity Features
After the first contract year, you can withdraw up to 10% of your account value annually without penalty. Additionally, the contract includes withdrawal charge waivers for nursing home confinement and terminal illness, helping protect your financial flexibility during critical health events.
Term Options and Surrender Schedule
You can choose between a 6-year or 10-year surrender charge period, depending on your goals and planning horizon. This allows you to tailor the contract to your unique retirement timeline and liquidity needs.
Death Benefit and Legacy Protection
Your beneficiaries will receive the greater of the contract’s accumulation value, the original premium, or the guaranteed minimum value. This feature helps you preserve and pass along your savings—regardless of market fluctuations.
Financial Strength You Can Trust
Americo is a well-established provider with over $8.4 billion in assets and an A (Excellent) rating from A.M. Best. Their financial stability and strong reputation provide peace of mind that your funds are in good hands.
Why Work With Diversified Insurance Brokers
We help individuals and families select annuities that match their risk tolerance, income goals, and retirement timeline. The Growth Commander is a strong choice for those who want growth, protection, and optional income without the volatility of market investing.
🎯 Looking to grow your retirement savings without market risk?
Talk to an Advisor or Request Your Annuity Quote
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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FAQs: Americo Growth Commander
What is the Americo Growth Commander annuity?
Growth Commander is a fixed indexed annuity built to provide long-term accumulation with principal protection. It uses multiple index crediting options to capture upside potential while avoiding market losses.
What makes Growth Commander different from other FIAs?
The product emphasizes diverse index choices, including volatility-controlled indices, along with competitive participation rates and multi-term crediting options that can perform well in varied market environments.
Does Growth Commander offer a fixed-rate allocation?
Yes. A portion of your premium may be placed in a guaranteed fixed-interest bucket, allowing you to blend assured growth with index-linked strategies.
How does the annuity protect against market losses?
Your account value will never decline due to index performance. Negative returns credit zero interest, and principal remains fully protected throughout the contract.
Are penalty-free withdrawals available each year?
Most versions include an annual penalty-free withdrawal based on a percentage of the contract value. Larger withdrawals may be subject to standard surrender charges.
Does Growth Commander include an income rider?
Some configurations may offer optional guaranteed income features, though Growth Commander is typically positioned as an accumulation-focused FIA rather than an income-first annuity.
Can this annuity be used for transfers from another retirement plan?
Yes. Growth Commander commonly accepts IRA rollovers and qualified transfers. You can compare this process to the steps outlined in our 403(b) transfer guide.
How often can I change index allocations?
Allocation adjustments are usually available at each crediting anniversary. This allows you to reposition strategies as economic conditions evolve.
Is there a market value adjustment (MVA)?
Depending on the contract version, an MVA may apply to early withdrawals. This can increase or decrease values based on interest rate movements during the surrender period.
Who is Americo Growth Commander best suited for?
This product is ideal for savers seeking tax-deferred accumulation, principal protection, and growth potential through multiple index strategies without taking on market downside risk.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
