Americo Ultimate One Index 7 Annuity – Market Growth and Principal Protection in One
At Diversified Insurance Brokers, our mission is to help individuals and families build dependable retirement strategies through customized annuity solutions. The Americo Ultimate One Index 7 Fixed Indexed Annuity, issued by Americo Life and Annuity Company, delivers an ideal mix of market-linked growth and guaranteed downside protection, making it an excellent option for those seeking tax-deferred accumulation, income flexibility, and legacy planning in one product.
This 7-year annuity is tailored for retirees and pre-retirees looking to protect their nest egg while capturing growth from leading financial indices.
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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:
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Monthly Averaging tied to the S&P 500 Index
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Annual Point-to-Point crediting methods
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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:
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Nursing home confinement
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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:
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Individuals looking for moderate growth with principal protection
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Those nearing or in retirement who want flexible income access
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Anyone concerned about market risk and healthcare-related withdrawals
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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.
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 Ultimate One Index 7 Annuity
What type of annuity is the Ultimate One Index 7?
It is a fixed indexed annuity offering principal protection, fixed crediting options, and index-linked interest strategies over a seven-year surrender period.
How does interest grow in the annuity?
Interest is credited based on either fixed rates or index strategies that use caps, participation rates, or spreads. Your premium is never directly invested in the market.
Does the annuity include any bonuses?
Some versions may offer premium or interest bonuses. These bonuses typically come with longer surrender schedules or specific index strategy requirements.
Are there penalty-free withdrawals?
Yes. Most contracts allow up to a set percentage of the account value to be withdrawn annually without penalty, subject to age and contract rules.
Does the product offer lifetime income options?
You can annuitize the contract or, in some cases, add optional riders that provide guaranteed lifetime withdrawals, depending on state availability.
Is the principal protected?
Yes. Your premium and credited interest are protected from market losses, regardless of index performance.
What is the length of the surrender charge period?
The Ultimate One Index 7 uses a seven-year surrender charge schedule, with penalties decreasing each year.
Are there required minimum premiums?
Americo typically sets a minimum premium requirement, which varies by state and distribution channel.
Does the contract include an MVA?
Depending on state availability, some versions of the product include a market value adjustment that may impact withdrawals during the surrender period.
Who is the Ultimate One Index 7 best suited for?
This annuity is well suited for individuals seeking moderate upside potential with guaranteed principal protection and a mid-length surrender period.
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.
