Strategy options
The Americo Benchmark Flex FIAs provide a variety of strategy options to choose from that are designed to help maximize your retirement savings.1
Participation Rate (Uncapped)
The Participation Rate Strategy provides the opportunity to benefit from positive performance of an underlying index without a set cap on returns. A participation rate is the percentage on index performance that will be used to calculate any interest credits. These strategies are available in two options.
Annual Point-to-Point
The Annual Point-to-Point option tracks the performance of an underlying index over a 1-year term. It provides the opportunity to credit interest annually, but offers slightly lower participation rates in exchange.
2-Year Point-to-Point
The 2-Year Point-to-Point option tracks the performance of an underlying index over a 2-year term. It provides the opportunity for higher participation rates than annual options.
Performance Trigger
The Performance Trigger Strategy provides the opportunity to earn interest based on any positive performance of an index. If the index performance is greater than or equal to 0% during the index strategy term, the interest credit will equal the trigger rate. Performance trigger rates can be locked for a 1-year or 5-year guaranteed rate lock period.
Hypothetical Performance Trigger crediting example
Rates are set at contract issue and are subject to change at the beginning of each index strategy term.
Cap Ladder
The Cap Ladder Strategy provides the opportunity to earn interest based on the positive performance of an index up to the cap rate. Your premium is allocated equally across five ladder segments ranging from one to five years. At the end of each index strategy term, funds will automatically transfer to a new ladder segment. Cap rates are locked in at contract issue and cannot be lowered for the full strategy term.
Cap Ladder Strategy for 10 years
The Cap Ladder is also available as a 5-year option. Rates are set at contract issue and are subject to change at the beginning of each index strategy term.
Cap Rate
The Cap Rate Strategy offers the opportunity for interest credits annually based on the performance of an underlying index up to a cap rate. A cap rate is the maximum interest rate that can be credited.
Hypothetical Cap Rate crediting example
Rates are set at contract issue and are subject to change at the beginning of each index strategy term.
Blended Performance
The Blended Performance Strategy allocates 50% to a guaranteed annual fixed interest rate account and 50% to a 5-year point-to-point with participation rate. Interest credited will equal any positive index performance multiplied by the participation rate. Rates are locked in at contract issue and cannot be lowered for the full 5-year strategy term.
Blended Performance Strategy allocations
May not be available for use in all states
1 Not all strategies are available for every index and may vary by state.
• 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.
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.
©Americo
25-800-11 (01/26)