Index options
Select from multiple index options
The Americo Benchmark Flex FIAs offer three index options based on the S&P 500® — widely regarded as the best gauge of large-cap U.S. equities — a trusted name, with broad recognition. Your Americo Benchmark Flex FIA may increase in value based on the positive performance of the following underlying indexes:
S&P 500® Index
The S&P 500® is widely regarded as the best single gauge of U.S. large-cap equities. The index includes 500 leading companies spanning all sectors of the U.S. stock market. It covers approximately 80% of the U.S. equity market capitalization and over 50% of the global equity market.
S&P 500® Distance Stabilizer Index1
The S&P 500® Distance Stabilizer Index dynamically adjusts its exposure to the S&P 500® using an innovative mechanism that helps provide greater stability over time. The index measures volatility over multiple recent time windows, which allows for flexibility to navigate short-term fluctuations and increase exposure during subsequent market rebounds.
S&P PRISM® Index
The S&P PRISM® Index utilizes a multifaceted, rules-based strategy that provides exposure to the S&P 500®, U.S. Treasuries, and commodities and takes into account key market indicators, risk, and momentum. Designed to look beyond volatility, evaluate several market indicators and strategically allocate for diversification and consistent performance.
May not be available for use in all states
1 The full name of the S&P 500® Distance Stabilizer Index is S&P 500® Distance Stabilizer TCA Index (USD) ER.
• Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May lose value
Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY.
The S&P 500®, S&P PRISM®, and S&P 500® Distance Stabilizer TCA Index (USD) ER (“the Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and have been licensed for use by Americo Financial Life and Annuity Insurance Company (“Americo”). S&P®, S&P 500®, US 500, The 500, S&P PRISM®, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Americo’s Products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Americo’s Products or any member of the public regarding the advisability of investing in securities generally or in Americo’s Products particularly or the ability of the Indices to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to Americo with respect to the Indices is the licensing of the Indices and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Indices is determined, composed and calculated by S&P Dow Jones Indices without regard to Americo or the Americo’s Products. S&P Dow Jones Indices has no obligation to take the needs of Americo or the owners of Americo’s Products into consideration in determining, composing or calculating the Indices. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of Americo’s Products. There is no assurance that investment products based on the Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an “investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. SPDJI provides indices that use environmental, social and/or governance (ESG) indicators (including, without limit, business involvement screens, conformance to voluntary corporate standards, GHG emissions data, and ESG scores) to select, weight and/or exclude constituents. ESG indicators seek to measure a company’s, or an asset’s performance, with respect to E, S and/or G criteria. ESG indicators are derived from publicly reported data, modelled data, or a combination of reported and modelled data. ESG indicators are based on a qualitative assessment due to the absence of well-defined uniform market standards and the use of multiple methodologies to assess ESG factors. No single clear, definitive test or framework (legal, regulatory, or otherwise) exists to determine labels such as, ‘ESG’, ‘sustainable’, ‘good governance’, ‘no adverse environmental, social and/or other impacts’, or other equivalently labelled objectives. Therefore, the exercise of subjective judgment is necessary. Different persons may classify the same investment, products and/or strategy differently regarding the foregoing labels.
NEITHER S&P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY AMERICO, OWNERS OF THE AMERICO’S PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND AMERICO, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Americo Benchmark Flex FIA Series (Policy Series: 426, 426-10 DP, 426-B, 426-10B DP, 2533, 2533 DP, 2547 PTP LCL, 2547 PTPC, 2547 PTPP, 2547 PTPTR, 2547 MYGIA. Forms ICC25 426, ICC25 426-10 DP, ICC25 426-B, ICC25 426-10B DP, ICC24 2533, ICC24 2533 DP, ICC25 2547 PTP LCL, ICC25 2547 PTPC, ICC25 2547 PTPP, ICC25 2547 PTPTR, ICC25 2547 MYGIA. AAA426, AAA426-10 DP, AAA426-B, AAA426-10B DP, AAA2533, AAA2533 DP, AAA2547 PTP LCL, AAA2547 PTPC, AAA2547 PTPP, AAA2547 PTPTR, AAA2547 MYGIA) is underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions and variations apply. Consult the contract and riders for all limitations and exclusions. Annexus and their affiliated agencies are independently contracted with Americo.
All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
This product does not directly participate in any stock or equity investments. Refer to your Benefits Summary & Disclosure Statement, as well as your contract, for the governing contractual provisions.
This material is not a recommendation to buy or sell an insurance product or to adopt an investment strategy. Contract owners should discuss their specific situation with their insurance professional.
This material is generic and was developed for informational purposes only. It is not intended to provide financial, legal, accounting, or tax advice. Please consult with an insurance professional regarding your situation. For legal, accounting or tax advice consult with an insurance professional or qualified professional.
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