Americo Ultimate One Index 9 Fixed Indexed Annuity – Secure Growth, Streamlined Structure
At Diversified Insurance Brokers, we help clients evaluate annuity options that are straightforward and reliable. The Ultimate One Index 9 Fixed Indexed Annuity from Americo Life and Annuity Company, delivers market-indexed growth—primarily tied to the S&P 500—with clear terms, no unnecessary complexity, and protection against loss of principal.
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Why Ultimate One Index 9 appeals to many clients:
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One fixed term option for clarity and simplicity
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Indexed crediting tied securely to the S&P 500 index
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Guaranteed principal protection—your value won’t decline if the market drops
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Earnings grow on a tax-deferred basis
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Transparent structure with minimal riders for straightforward planning
Americo’s clean product design makes this a great match for retirees or conservative investors who want market exposure—without volatility, confusion, or unnecessary bells and whistles. With access to over 75 leading carriers, Diversified Insurance Brokers can help determine if this FIA aligns with your goals or whether a more flexible product might serve you better.
Want expert insight into Ultimate One Index 9 or other market-linked products?
Diversified Insurance Brokers partners with over 75 top-rated carriers, including Americo. We’ll help you assess crediting methods, guarantees, and how this annuity fits into your long-term strategy.
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 Annuity
What is the Americo Ultimate One Annuity?
Americo Ultimate One is a fixed indexed annuity that blends principal protection with index-based growth potential. It’s designed for long-term accumulation or retirement planning with downside protection and optional lifetime income features.
How does Ultimate One credit interest?
Interest is credited based on either index-linked strategies (using caps, participation rates, or spreads) or a fixed-interest option. When the selected index performs positively, your account may receive credited interest; if the index declines, your principal is protected and will not lose value due to market drops.
Is there a fixed-interest account option?
Yes. In addition to the index strategies, Ultimate One offers a fixed-interest allocation for conservative growth—providing a guaranteed interest rate over a specified time period.
Does Ultimate One allow penalty-free withdrawals?
Many versions allow a limited penalty-free withdrawal amount (commonly 5–10% of the account value) annually after the first contract year. Withdrawals beyond that or full surrender during the early years may be subject to surrender charges.
Is principal protected from market losses?
Yes. As a fixed indexed annuity, Americo Ultimate One ensures that your account value will not decrease due to negative index performance. Only withdrawals, fees, or optional rider costs can reduce your contract value.
Are lifetime income or benefit riders available?
The annuity typically offers an optional lifetime income rider for an additional fee, allowing you to convert accumulation value into guaranteed periodic income during retirement. Availability may vary by state and contract version.
What is the surrender charge period?
Ultimate One includes a surrender schedule for the contract term. Early withdrawals beyond the penalty-free allowance or full surrender during this period may trigger surrender charges and potentially a market value adjustment (MVA), depending on the version.
Who is Americo Ultimate One best suited for?
This annuity is a good fit for individuals seeking a mix of safety and growth: those who want downside protection, potential indexed growth, optional lifetime income security, and flexibility to allocate between fixed and indexed strategies.
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.
