Americo Platinum Assure MYGA – Predictable Growth with Liquidity and Long-Term Protection
At Diversified Insurance Brokers, we specialize in providing stable, secure annuity solutions for retirement-minded individuals. The Americo Platinum Assure Multi-Year Guaranteed Annuity (MYGA), issued by Americo Insurance Company, is a powerful tool for those looking for guaranteed growth without market exposure, while still keeping access to their money when life changes.
Whether you’re rolling over a lump sum or looking for a conservative asset to anchor your plan, this MYGA offers the simplicity and security that many retirees prefer.
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Choose the Term That Works for You
The Platinum Assure MYGA offers multiple guarantee periods, allowing you to match your annuity to your personal financial timeline:
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Choose from 2, 3, 4, 5, 6, or 7-year terms
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Guaranteed fixed interest rates locked in for the full term
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No market risk, no surprises—just stable, tax-deferred growth
It’s a smart fit for pre-retirees, conservative investors, or anyone rolling over a CD or savings account into something more productive.
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Built-In Liquidity and Waiver Protection
The Americo Platinum Assure provides access when you need it most:
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Penalty-free withdrawals up to 10% annually, giving you flexible income options
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Nursing home and terminal illness waiver riders
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Full access at maturity—renew, start income, or withdraw 100% of your value without penalty
These provisions make this MYGA more than just a fixed product—it’s a tool for smart planning and financial control.
Leave a Legacy with Confidence
Every Platinum Assure MYGA includes a guaranteed death benefit that ensures your beneficiaries receive the full contract value—no fees, no surrender charges. Whether used for income or legacy purposes, this product provides both security and simplicity for your retirement plan.
Backed by Americo and Delivered by Experts
Issued by Americo Financial Life and Annuity Insurance Company, this MYGA is backed by strong financial ratings and disciplined investment practices. At Diversified Insurance Brokers, we help you compare the best available products and structure your plan to fit your goals—clearly, transparently, and with your best interest in mind.
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 Platinum Assure MYGA
What is the Americo Platinum Assure MYGA?
The Platinum Assure MYGA is a multi-year guaranteed annuity that provides a fixed interest rate for your entire chosen term. It is designed for savers who want predictable, secure accumulation without market volatility.
What term lengths are available?
The product is typically offered in multiple durations—commonly 3-, 5-, 7-, or 10-year options. Each term comes with a guaranteed fixed rate that does not change once your policy is issued.
Does the Platinum Assure MYGA protect my principal?
Yes. Your full principal is guaranteed as long as you follow the contract guidelines. Market declines cannot reduce your account value.
How is interest credited?
Interest is credited annually at the guaranteed rate set at the start of the contract. This rate remains level for the entire duration of your chosen term.
Are penalty-free withdrawals allowed?
Most Platinum Assure contracts allow up to 10% penalty-free withdrawals each contract year after the first year. Withdrawals exceeding this amount may be subject to surrender charges.
Does this MYGA include an MVA?
Some term lengths may include a Market Value Adjustment (MVA). If present, the MVA can increase or reduce the amount received from early withdrawals depending on interest-rate movement.
Can this annuity be used inside an IRA?
Yes. The Platinum Assure MYGA accepts traditional IRAs, Roth IRAs, and rollovers from employer-sponsored plans, as well as non-qualified funds.
Does this MYGA have nursing home or terminal illness waivers?
Many versions offer enhanced liquidity for qualifying nursing home confinement or terminal illness, allowing access to funds without surrender charges. Eligibility and details vary by state.
What happens at the end of the term?
At maturity, the annuity becomes fully liquid. You may withdraw the balance, renew for a new term, or transfer the funds into another annuity or financial vehicle. Americo will notify you of your options before maturity.
Who is the Platinum Assure MYGA best suited for?
This annuity is ideal for conservative savers and retirees who want guaranteed returns, stable accumulation, and predictable income planning without market exposure.
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.
