Growth Commander Rate Update

Growth Commander Rates Are Increasing After February 21!

Americo Financial Life and Annuity Insurance Company has announced that, effective February 22, 2023, Growth Commander fixed indexed annuity interest crediting rates are going up. Increased rates are shown below in green.

New rates, effective February 22, 2023, and subject to change

Interest Crediting Option	Growth Commander 6		Growth Commander 10
Interest Crediting Option	No Fee	1.50% Fee	No Fee	1.50% Fee
Declared Interest Account (current declared rate)	3.70%	NA	3.80%	NA
One-Year S&P 500® Point-to-Point With Cap	7.10%	10.60%	7.20%	10.75%
One-Year S&P 500 Point-to-Point With Participation Rate	42%	58%	43%	59%
One-Year S&P MARC 5% Point-to-Point With Participation Rate	152%	212%	155%	215%
Five-Year SG Global Balanced Index Value Lock Annual Sum With Participation Rate and Cap	NA	NA	7% Cap 265% Par.	NA
Six-Year SG Global Balanced Index Value Lock Annual Sum With Participation Rate and Cap	7% Cap 271% Par.	NA	NA	NA
	Participation rate guaranteed for the entire surrender period:
One-Year SG Global Balanced Index Point-to-Point With Participation Rate	146%	204%	148%	207%
Two-Year SG Global Balanced Index Point-to-Point With Participation Rate	196%	274%	199%	278%
One-Year Morgan Stanley Enhanced Allocation Index Point-to-Point With Participation Rate	133%	187%	136%	190%
Two-Year Morgan Stanley Enhanced Allocation Index Point-to-Point With Participation Rate	206%	290%	210%	294%

Rate Lock

A rate lock applies on each interest crediting option for 45 days from the date the application is received by Americo. On premium received within the 45-day period, clients will receive the greater of (1) the locked-in rate or (2) the rate in effect on the index date following the date premium is received. After 45 days, the rates in effect at the time premium is received will apply.

Submit applications via:

FireLight® e-app platform
(preferred method)

E-mail

submit@americo.com

Fax

800-395-9261

Mail

Regular Mail:
Americo
P.O. Box 410288
Kansas City, MO 64141-0288

Overnight Delivery:
Americo
300 W. 11th Street
Kansas City, MO 64105-1618

Questions? Please contact your IMO.

Growth Commander 6, Growth Commander 10 (Contract Series 319). Products are single premium deferred fixed indexed annuities 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 contract and riders for all limitations and exclusions.

The S&P 500® Index and S&P MARC 5% Index are products of S&P Dow Jones Indices LLC (“SPDJI”) and have been licensed for use by Americo Financial Life and Annuity Insurance Company (“Americo”). Standard & Poor’s®, and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Americo. Americo’s annuity product is not sponsored, endorsed, sold, or promoted by SPDJI, S&P, Dow Jones, or their respective affiliates, and none of such parties makes any representation regarding the advisability of investing in such product, nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index.

Any annuity product that is linked to the performance of the Index is not sponsored, endorsed, sold or promoted by Morgan Stanley & Co. LLC, or any of its affiliates (collectively, “Morgan Stanley”). Neither Morgan Stanley nor any other party (including without limitation any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. In no event shall Morgan Stanley have any liability for any special, punitive, indirect or consequential damages including lost profits, even if notified of the possibility of such damages. The Index is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use for certain purposes. Neither Morgan Stanley nor any other party has or will have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein.

Morgan Stanley includes an index deduction mechanism that scales upward based on positive recent performance of the Index, up to a maximum of 0.15% per business day or up to approximately 37.8% per year. Such deduction is included in calculating the level of the Index and will thus reduce the return of the Index. The excess return calculation applied by Morgan Stanley as part of the Index’s methodology will also decrease the Index’s performance and thus reduce the return of any product linked directly to the Index.

The Global Balanced Index (“Index”) is the exclusive property of SG Americas Securities, LLC (together with its affiliates, “SG”). SG has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) (“S&P”) to maintain and calculate the Index. “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “Global Balanced Index”, et al. (collectively, the “SG Marks”) are trademarks or service marks of SG. SG has licensed use of the Index and the SG Marks to Americo Financial Life and Annuity Insurance Company (“Americo”) for use in fixed indexed annuities. Neither SG, S&P, nor any other third-party licensor has been authorized to act as an agent of Americo or has in any way sponsored, endorsed, sold, promoted, structured or priced any fixed indexed annuity or provided investment advice to Americo. Such parties make no representation regarding the advisability of purchasing, selling, or holding product linked to the Index, including Fixed Indexed Annuities and shall not be liable for any related loss or payment thereof. Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of Americo. Neither Americo nor SG are obligated to invest annuity payments in the components of the Index. The Index levels are net of a 0.50% annual maintenance fee, calculated and deducted daily. The Index also deducts fees to cover rebalancing, replication, and other costs. The total amount of these fees is unpredictable and depends on a number of factors, including the leverage of the Index, which may be as high as 200%. These fees and costs, which are increased by the Index’s leverage, will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control applied by the Index may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls. Additional information is available at https://sg-global-balanced.com/.

AF1557v0223_A
22-604-1 (02/22/23)

FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.