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Is Americo a Good Insurance Company?
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we know that choosing the right insurance company is about more than just a rate—it’s about long-term reliability, competitive product features, and confidence in your retirement plan. Americo is one of the largest privately held, independent insurance companies in the United States, offering annuities, life insurance, and Medicare Supplement products. But is Americo a good company for your needs? Let’s take a closer look at their history, ratings, and most popular offerings.
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About Americo
Founded over 100 years ago, Americo has built a reputation for stability and customer-focused service. As a privately held company based in Kansas City, Missouri, Americo is not driven by quarterly shareholder expectations. This allows them to focus on long-term policyholder benefits and product innovation. They operate nationwide, providing solutions for retirement income, wealth transfer, and healthcare cost protection.
Financial Strength & Ratings
Americo’s strong financial ratings from respected agencies reflect their ability to meet long-term commitments—an essential factor when purchasing annuities or life insurance. This financial stability ensures that retirement income guarantees and life insurance benefits will be paid as promised.
Popular Americo Products
- Americo Ultimate One Index Series: Fixed indexed annuities offering market-linked growth with downside protection.
- HMS Plus Series: Whole life insurance with level premiums and simplified underwriting.
- Medicare Supplement Plans: Nationwide options to fill gaps in Original Medicare.
Who Americo is a Good Fit For
Americo is often a great choice for retirees and pre-retirees seeking competitive fixed indexed annuities, simplified life insurance coverage, and guaranteed income solutions. Clients who value principal protection along with the opportunity for growth tend to find Americo’s products appealing.
Why Work with Diversified Insurance Brokers
We compare Americo’s offerings with over 75 other top-rated carriers to ensure you get the best combination of features, rates, and guarantees. Our role is to help you align your insurance and retirement strategy with your long-term goals, providing clarity and confidence in your choices.
Bottom Line
Americo is a financially solid, reputable insurance company with a strong portfolio of annuities and life insurance products. With guidance from the advisors at Diversified Insurance Brokers, you can determine if Americo’s solutions are the right fit for your retirement and legacy plans.
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FAQs: Is Americo a Good Insurance Company?
What are Americo’s financial strength ratings?
Americo has an A (Excellent) rating from A.M. Best, reflecting a very strong ability to meet its insurance obligations. It also has a Moody’s rating of A3, though Standard & Poor’s and Fitch do not regularly rate all its entities.
How long has Americo been in business?
Americo was founded in 1946 (originally as The College Life Insurance Company) and operates through a family of insurance companies. It is one of the larger privately held life & annuity insurers in the U.S.
What products and annuity options does Americo offer?
Americo provides a broad portfolio including fixed index annuities, multi-year guaranteed annuities (MYGAs), life insurance, Medicare supplement and final expense products. Its fixed index annuity lines include the Ultimate One Index Series and Americo Elite series, as well as MYGA options.
How does Americo perform in customer satisfaction and complaints?
Customer feedback is mixed. Some reviews are positive, especially around product offerings, but there are complaints over service, customer support responsiveness, billing issues, and claims. Americo’s BBB profile shows over 100 complaints in the past 3 years.
Are there any notable policy or claim exclusions?
Yes—like many insurers, Americo enforces standard policy exclusions. For example, hazardous activities or driving under influence can lead to claim denials. One case involved an aviator crash without a valid license being excluded under policy terms.
Is Americo available nationwide?
Americo is licensed to conduct life insurance and annuity business in nearly all U.S. states (and DC), though in some states certain product lines or features may be limited.
