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Rate current as of 10/14/2025. Rates are subject to frequent change, please check www.americo.com for current rates. A.M. Best rating for Americo Financial Life and Annuity Insurance Company (Americo), October 2024. Americo Financial Life and Annuity Insurance Company has a financial strength rating of A (Excellent, 3rd out of 15 rating categories.) A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile. A.M. Best uses a scale of 15 ratings, ranging from “A++” to “F.” Americo Elite 5 Annuity (Policy Series 318), Platinum Assure Series (Policy Series 320), and Platinum Assure 5 (Policy Series 271) are 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. Some riders are optional and available for an additional cost. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions. For exact terms and conditions, please refer to the policy. Neither Americo Financial Life and Annuity Insurance Company nor any agent representing Americo Financial Life and Annuity Insurance Company is authorized to give legal or tax advice. Please consult a qualified professional regarding the information and concepts contained in this material 25-062-1 (07/25)
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INDEXED ANNUITY
Plan for Tomorrow, Today. Retirement should be a time to enjoy some well-deserved rest after many years of hard work. How and when you will save for retirement may be some of the most important financial decisions that you make in your life. You want peace of mind that your money is secure, has the opportunity to grow, and will be there when you need it. Americo Financial Life and Annuity Insurance Company's (Americo) annuity products are designed to provide solutions for the following situations: Protecting against outliving your retirement savings Income planning with safety and growth When You Should Purchase an Annuity While saving for retirement To protect and grow your current savings (transfer funds from Trad IRAs, Roth IRAs, 401ks, and/or any non-qualified accounts) To guarantee lifetime income To leave a legacy. If you pass away, your hard-earned savings will be paid to beneficiaries of your choice with no surrender penalty Annuities An annuity is a retirement planning tool that offers safety, growth, and guarantees. All earnings in an annuity grow income tax-deferred until withdrawn. This means money that would have otherwise been used to pay taxes can remain in your annuity and compound over time. Annuities provide a stream of income payments that can be designed to fit your needs, even paying out over your entire lifetime. Fixed Indexed Annuities An indexed annuity is a type of fixed annuity in which the interest rate is based on the performance of a financial index, such as the S&P 500® Index. The interest paid is calculated based on changes in the index. Indexed annuities offer the potential to outperform traditional fixed annuities when there are gains in the index. However, unlike variable annuities, index annuities offer downside protection. This means even if the index declines, the annuity will not lose value. Also, once earnings are calculated, they are locked in for life – they never change as a result of poor market conditions. Americo offers the Elite 5, a fixed indexed annuity that provides growth potential through market-linked interest crediting and protection from market losses. Multi-Year Guaranteed Annuity (MYGA) A multi-year guaranteed annuity, or MYGA, is an annuity that provides a guaranteed fixed interest rate for a specified period of time. Americo offers the Platinum Assure MYGA, a fixed annuity that provides competitive interest rates and a reliable way to grow your savings. Why Choose an Americo Annuity? Americo has earned an “A” (Excellent) by A.M. Best, offering you a portrait of financial stability. Our priority is always our clients’ financial security. An independent rating firm routinely assesses the financial strength, stability, and claims-paying ability of Americo. We continue to receive a high-performance rating from an independent evaluator, A.M. Best. Learn more about how a fixed indexed annuity or fixed-rate annuity, such as a MYGA, can benefit you. Americo offers select annuities at competitive rates to help achieve financial success. Find out more about Americo’s different rates for each annuity term, or get in touch with an agent today.
MULTIYEAR GUARANTEED ANNUITY
Annuity Rates One of the biggest factors many people consider before purchasing an annuity is the interest or growth rate it offers. Americo provides two types of fixed annuities—fixed-rate annuities and fixed indexed annuities—each offering different ways to help your money grow safely over time. A fixed-rate annuity, like Americo’s Platinum Assure MYGA, provides a guaranteed interest rate for a specific period, such as 2 to 7 years. The advantage is predictable growth that does not vary with market conditions, making it easier to plan for your financial future. Generally, longer guarantee periods offer higher fixed rates. A fixed indexed annuity, such as Americo’s Elite 5, offers growth potential based on the performance of market index sectors. Instead of a guaranteed interest rate, these annuities credit interest based on a participation rate tied to index performance, while still protecting your principal from market losses. This option may appeal to individuals looking for a balance between protection and opportunity. Americo offers competitive rates for both types of annuities. Explore the rate options below to see what fits your financial strategy best.
Americo Fixed-Rate Annuity Interest Rate (Platinum Assure)
2-Year Fixed Annuity
3-Year Fixed Annuity
4-Year Fixed Annuity
5-Year Fixed Annuity
6-Year Fixed Annuity
7-Year Fixed Annuity
4.60%
4.90%
5.20%
5.35%
5.40%
GGuarantee Period Interest Rate Guarantee period interest rates are declared by Americo Financial Life and Annuity Insurance Company (“Americo”) and are guaranteed for the duration of the guarantee period of your annuity. This means your interest rate will never change during the guarantee period of the annuity. This annuity allows you to confidently plan for your future income, as you’ll know exactly how much growth you will accumulate. How Your Annuity Grows During the accumulation phase, your annuity earns interest based on the performance of the market indices and the participation rate of the crediting strategy you choose. Your money grows tax-deferred, meaning you won’t pay taxes on earnings until you withdraw. You can diversify across index sectors or include a declared interest option. Index performance may change over time, so growth potential varies by strategy, but your account will never lose value due to index losses. How Your Annuity Grows During the accumulation phase, your annuity earns interest based on the performance of the market indices and the participation rate of the crediting strategy you choose. Your money grows tax-deferred, meaning you won’t pay taxes on earnings until you withdraw. You can diversify across index sectors or include a declared interest option. Index performance may change over time, so growth potential varies by strategy, but your account will never lose value due to index losses.
Rate current as of 02/21/2025. Rates are subject to frequent change, please check www.americo.com for current rates. A.M. Best rating for Americo Financial Life and Annuity Insurance Company (Americo), October 2024. Americo Financial Life and Annuity Insurance Company has a financial strength rating of A (Excellent, 3rd out of 15 rating categories.) A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile. A.M. Best uses a scale of 15 ratings, ranging from “A++” to “F.” Americo Elite 5 Annuity (Policy Series 318), Platinum Assure Series (Policy Series 320), and Platinum Assure 5 (Policy Series 271) are 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. Some riders are optional and available for an additional cost. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions. For exact terms and conditions, please refer to the policy. Neither Americo Financial Life and Annuity Insurance Company nor any agent representing Americo Financial Life and Annuity Insurance Company is authorized to give legal or tax advice. Please consult a qualified professional regarding the information and concepts contained in this material 25-062-1
Index Sector
1-Year Point-to-Point PR
5-Year Final Average PR
Health Care Select Sector
58.00%
129.00%
Interest Crediting and Participation Rates Interest crediting for fixed indexed annuities is based on index performance, not a guaranteed rate. Americo declares participation rates that determine how much of the index’s growth is credited to your annuity. These rates apply for the duration of the crediting period selected. Your annuity offers multiple strategies and index sector options. While credited interest may vary, your principal is protected from market losses. This allows you to benefit from positive market movement while keeping your savings safe. Benefits of Indexed Growth The benefit of a fixed indexed annuity is that you can gain interest from positive market performance, without the risk of losing your principal. This helps you plan for the future, even in uncertain economic conditions. With many financial tools, your account value can fluctuate. Fixed indexed annuities offer a level of stability while providing market-linked growth potential. With Elite 5, your savings are protected, and your earning potential is expanded.
Americo Fixed Indexed Annuity Participation Rates (Elite 5)
Technology Select Sector
40.00%
84.00%
NASDAQ Biotechnology
41.00%
81.00%
S&P 500
54.00%
106.00%
Dow Jones U.S. Real Estate
62.00%
146.00%
CONTACT US
Indexed Annuity Now more than ever, people are looking for secure ways to invest their money. With increasing life expectancies, rising costs of retirement, and market volatility, many people are unsure about where to put their money. That's where Elite 5 Indexed Annuity comes in. Elite 5 Indexed Annuity gives you the choice on how to allocate your money. Benefit from the market without the downside.
Elite 5 Fixed Indexed Annuity Now more than ever, people are looking for secure ways to grow and protect their money. With increasing life expectancies, rising costs of retirement, and market volatility, many people are unsure about where to put their money. That's where Americo's Elite 5 Indexed Annuity comes in. Elite 5 offers growth potential linked to the performance of market indices, without the risk of market losses. It's designed to provide a balance of protection and opportunity for those planning their financial future. What is Elite 5? Elite 5 is a fixed indexed annuity in which the interest rate is based on the performance of a financial index, such as the S&P 500® Index or NASDAQ. The interest paid is calculated based on changes in the index. Indexed annuities offer the potential to outperform traditional fixed annuities when there are gains in the index. However, unlike variable annuities, indexed annuities offer downside protection. This means even if the index declines, the annuity will not lose value. Also, once earnings are calculated, they are locked in for life - they never change as a result of poor market conditions. Elite 5 Product Features 10 index options available, each based on the combination of one of 5 indexes with a 1-year or 5-year point-to-point crediting method Declared Interest Account Full Accumulation Value death benefit Accumulation Value Adjustment on the 5th anniversary, if there have been no prior partial surrenders, the accumulation value is guaranteed to be no less than the single premium accumulated for five years at 0.25%. Waiver of Surrender Charge Upon Nursing Home or Hospital Confinement Endorsement How Does Elite 5 Work? Clients have a choice of interest rate crediting options that will determine how the annuity earns interest. Premium can be allocated among multiple Index Sectors and a Declared Interest Account that guarantees the rate will never go below a specified minimum. The Elite 5 Annuity includes 5 straightforward Index Sectors that are easy to understand and help reduce exposure to risk tied to individual company performance. Index sectors are publicly traded companies sorted into groups based on their primary business activities. Each of these indices can be tied to either a 5-Year Final Average with Participation Rate or a 1-Year Point-to-Point with Participation Rate index method. There are 10 indexed interest crediting options available. Policyowners may elect any number from one to 10 by choosing from the 5 available index sectors and the two crediting methods.
Choose Where Your Money Goes
+
Technology Select Sector Index
NASDAQ Biotechnology Index
Dow Jones US Real Estate Index
S&P 500 Select Sector
Includes S&P 500 Select Sector Index companies from the following industries: pharmaceuticals health care equipment and supplies; health care providers and services; biotechnology; life sciences tools and services, and health care technology.
Includes S&P 500 Select Sector Index companies form the following industries: IT Services; software; communications equipment; technology hardware, storage and peripherals; electronic equipment, instruments and components.
Contains securities of NASDAQ-listed companies classified according to the Industry Classification Benchmark as either Biotechnology or Pharmaceuticals which also meet other eligibility criteria.
The Dow Jones U.S. Real Estate Index represents the performance of real estate investment trusts (REITs) and other companies that invest directly or indirectly in real estate through development, management, or ownership.
A market-capitalization-weighted index of the 500 largest publicly-traded companies in the U.S.
How Does Interest Crediting Work? The Index Credited Amount depends in part upon the Indexing Method. In applying the Indexing Method, a Participation Rate may apply. The Participation Rate may change each Index Period, but will never be less favorable than the guaranteed minimums. Point-to-Point - Point-to-Point is the method used to determine the Index Rate. The closing values of the Index at the beginning and end of the year are compared [(ending value - beginning value) / beginning value]. The annual indexed crediting rate applied to the Participation Account will be determined by adjusting this index rate by the current Participation Rate. Final Average - The Index Credited Amount under the Final Average with Participation Rate Index Option is a calculated Amount based upon the percentage change of the Index Value from the beginning to the end of an Index Period, where the ending value is a 30-day average. This percentage change is the Index Rate. If the Index Rate is positive, the Net Index Rate will equal the Index Rate multiplied by the Participation Rate. If the Index Rate is negative or zero, there is no Index Credited Amount. Participation Rate - The Participation Rate is declared in advance of each year-long index period or 5-year index period (depending on which indexes are chosen) and will be guaranteed for the one-year or 5-year index period. The Participation Rate is the percentage of the index rate that will be used in determining the indexed crediting rate. Declared Interest Account - Under the Declared Interest Option, interest is credited on a daily basis at a declared rate that is set in advance by Americo. This declared rate is guaranteed for one contract year (Term Period). Americo reserves the right to change the interest rate at any time for future Term Periods. We guarantee the declared rate will never be lower than 0.25%.
Final Average Indexing Method with Participation Rate +
Point-to-Point Indexing Method with Participation Rate +
Final Average Indexing Method with Participation Rate The Index Credited Amount under the Final Average with Participation Rate Index Option is calculated based upon the percentage change of the Index Value from the beginning to the end of an Index Period, where the ending value is a 30-day average. This percentage change is the Index Rate. If the Index Rate is positive, the Net Index Rate will equal the Index Rate multiplied by the Participation Rate. If the Index Rate is negative zero, there is no Index Credited Amount. Example: Unfavorable Index Performance Beginning Index Value: 500 Ending Index Value: 463 Participation Rate: 55.0% In this example, the Index Rate is -7.40% (463 / 500) - 1. Because the percentage change is negative, the Participation Rate does not apply, and the Net Index Rate will be zero. Example: Favorable Index Performance Beginning Index Value: 500 Ending Index Value: 595 Participation Rate: 55.0% In this example, the Index Rate is 19% (595 / 500) - 1. Because there is a 55% Participation Rate, the Net Index Rate is 10.45% (19% x 55%).
Point-to-Point Indexing Method with Participation Rate The Index Credited Amount under a Point-to-Point Indexing Method is calculated based upon the percentage change of the Index Value from the beginning to the end of an Index Period to the end of the Index Period, the Index Rate. If the Index Rate is positive, the Net Index Rate will equal the Index Rate multiplied by the Participation Rate. If the Index Rate is negative zero, there is no Index Credited Amount. Example: Unfavorable Index Performance Beginning Index Value: 1,000 Ending Index Value: 930 Participation Rate: 60.0% In this example, the Index Rate is -7% (930/1,000) - 1. Because the Index Rate is negative, the Participation Rate does not apply, and the Net Index Rate will be zero. Example: Favorable Index Performance Beginning Index Value: 1,000 Ending Index Value: 1,200 Participation Rate: 55.0% In this example, the Index Rate is 20% (1,200 / 1,000) - 1. Because there is a 60% Participation Rate, the Net Index Rate is 12% (20% x 60%).
Health Care Select Sector Index
-
Platinum Assure Multi-Year Guaranteed Annuity If you are looking for a safer way to grow and protect your money, Platinum Assure, Americo's Multi-Year Guaranteed Annuity (MYGA) may be a great way to achieve your financial goals. Platinum Assure can help you grow your savings without the market volatility involved in other financial options. Your funds will grow based on a fixed interest rate over the course of 2 to 7 years. What is Platinum Assure? Platinum Assure is a Multi-Year Guaranteed Annuity, or MYGA, that offers a guaranteed fixed interest rate for a set period, typically from 3 to 10 years. A MYGA is well-suited for individuals nearing retirement who value tax deferral and predictable growth. Purchasing Platinum Assure is one strategy for generating additional income in retirement to supplement savings and Social Security benefits. This fixed annuity offers a more stable way to grow your money, and you won't owe taxes on the growth until you begin taking payments. What Can Platinum Assure Do for Me? The concept behind Platinum Assure is simple: support your retirement with a safer, more predictable way to grow and protect your money. When you purchase this annuity, you're guaranteed a competitive interest rate for the full guarantee period. Americo offers guarantee periods ranging from two to seven years to meet different financial needs. Key Features of Platinum Assure "A" Rated Carrier 6 multi-year guarantee periods True "walk-away" surrender charge periods Yearly penalty-free withdrawals, including the first year Systematic monthly interest option 45-day rate lock Nursing Home waiver Single premium tax-deferred annuity Issue ages 0-90 Better than a CD or High-Yield Savings Account A certificate of deposit (CD) or a high-yield savings account are both safe ways to grow your money. However, a CD may not offer a very high interest rate, and high-yield savings accounts often have a fluctuating interest rate. Annuities tend to offer higher interest rates and provide tax-deferred growth. Similarly, you aren’t allowed to take money out of a CD without facing high withdrawal fees. Platinum Assure allows you to take up to 5% of your account value once each year without penalty (percent varies by guarantee period). A fixed annuity allows you to safely and predictably grow your savings and build a financial future. Give yourself peace of mind knowing your rates are locked with Americo’s Platinum Assure fixed rate annuity products. Find our current fixed annuity interest rates here. How Platinum Assure Works It’s as easy as 1, 2, 3… Contribute - You decide how much money to allocate when you purchase an annuity. It’s best to determine how long you can allow a certain amount of money to sit untouched. Grow - During this agreed-upon guarantee period, your money grows based on the guaranteed fixed interest rate. During this time, your growth is tax-deferred. Enjoy - This is when you receive payments from your annuity. You can also choose to withdraw the full account value, depending on your financial needs. How Much is Platinum Assure? The minimum premium to purchase Platinum Assure is $25,000, and the maximum is $1,000,000 without prior home office approval. Will I Have Access to My Money? Americo allows penalty-free withdrawals of up to 3-5 % once per year, depending on the guarantee period. Taking out more than the allotted amount can result in high penalty fees. Americo Financial Life and Annuity Insurance Company offers MYGA options that can help you meet your financial goals. Discover which fixed-rate annuity can work for your future. Find our current interest rates to help you determine what type of term you want to work with. Connect with an Americo agent to find out more today.
Privacy Policy
Americo values your privacy. This Privacy Policy explains how Americo collects, uses, processes, stores and transfers your “Personal Information” (as defined below), whether we collect it directly from you, through our website, www.americo.com (collectively the “Site”), or from an agency, brokerage, Americo affiliate, or non-affiliated company. This notice describes how information about you may be used and disclosed and how you can get access to this information. Please review it carefully. Companies Covered by this Privacy Policy
In this Privacy Policy, “Americo” means: Americo Financial Life and Annuity Insurance Company (formerly The College Life Insurance Company of America) This Privacy Policy covers these Americo affiliates: Great Southern Life Insurance Company United Fidelity Life Insurance Company National Farmers Union Life Insurance Company This Privacy Policy also covers our administration of policies for these non-affiliates: Protective Life Insurance Company (formerly Ohio Life Insurance) Berkley Life and Health Insurance Company (formerly Investors Guaranty Life) First Health Life & Health Insurance Company (formerly Loyalty Life Insurance Company) Pavonia Life Insurance Company of New York (formerly First Central National Life of New York) Renaissance Life and Health Insurance Company of America (formerly Central National Life of Omaha) Wilco (formerly Massachusetts General Life Insurance Company) Athene Annuity and Life Insurance Company (formerly America Investors) Upstream Life Insurance Company (formerly Financial Assurance Life Insurance Company) Life Insurance Company of North America The Ohio State Life Insurance Company Definition of Personal Information and Definition of Protected Health Information In this Privacy Policy, we refer to “Personal Information,” meaning data about an individual who can be identified from that data, or by combining it with other data. Personal Information is usually your name in combination with another identifier, such as date of birth, postal address, email address, telephone number, or government-issued identification number. The specific definition of Personal information varies from one jurisdiction to another. Personal information does not include anonymous or aggregated data that can no longer be used to identify a specific person, even if combined with other data. We typically do not consider business information, such as one’s position, business name, title, business email, business phone number, business address, business fax, and other similar business information, to be Personal Information. Other information that is part of publicly accessible data sources may not be Personal Information. In contrast, “Protected Health Information” or “PHI” is information, including demographics, which relates to your past, present, or future physical or mental health, and the provision or payment of healthcare, that is created or received by a “Covered Entity”, such as certain “Health Plans” that we offer. The protection of PHI is governed by our Notice of Privacy Practices. Personal Information Directly from You When you contact Americo, our Affiliates, or inquire about our products and services through our Site, we may collect or receive your name, email address, phone number, and date of birth, so that we may respond to your inquiry. When you make a claim, update your bank information, surrender your policy, withdraw from your claim, update your address, update your beneficiary, or otherwise seek service of your policy through our Site, we may collect Personal Information about you and information related to your request. This information may be collected through online forms, telephone, emails, and social media, and may include your name, address, policy number, bank information, address, and beneficiary information. We use the collected information to process and respond to your request. Personal Information from Agents and Brokers When you inquire with an insurance agent or broker about our products or services or apply for our products or services through them, we may receive Personal Information from them such as your name, address, email address, and phone number. Agents and brokers may also provide us with certain biographical information about you, including social security number and health-related information (such as age, weight, smoking habits, etc.) about you and your family members in the application process. This Privacy Policy explains what we do with your Personal Information. Please contact your agent or broker directly and review their policy if you have questions about how they collect, use, process and share your PHI. Personal Information from Non-Affiliates When you apply for products and services from a non-affiliate insurer whose policies we administer, we may receive Personal Information such as your name, address, email address and phone number. We may receive certain biographical information about you. We may also receive health-related information (such as age, weight, smoking habits, etc.) about you and your family members. We may also receive Personal Information from other non-affiliated third parties who supply us with information after you have executed a specific authorization. For example, you may authorize Americo or other insurers to share or obtain Personal Information with or from MIB, Inc., which operates an information exchange for insurers used to assist in the underwriting process. The collection, use, processing and disclosure of your Personal Information by non-affiliate third parties is governed by their own privacy policies, so please review those policies or contact those companies directly. Information from Visitors to our Site When you visit our Site, we may collect non-Personal Information such as your IP address, device ID, browser setting, operating system, referring domain, language preferences, mobile carrier (if using a mobile device), action tags, and site activity. We do not use this information on its own to trace or identify person. It is collected even if you cancel or do not complete a purchase, registration, or order. We share this non-Personal Information with our third-party vendors to help operate our Site and improve your experience with it. We also work with several third parties who offer analytics or deliver targeted ads online or through our apps. You can opt out of receiving targeted ads but it will not make your browsing ad-free. Information from Cookies and Similar Technologies We also collect information from Site visitors using “cookies.” Cookies are small text files stored on your device by our Site. They carry navigational information from your Site visits. We use cookies to transact with you, personalize your experience, analyze usage patterns, and otherwise improve our Site, products and services. Our cookies generally fall into one of four categories: Essential, Functional, Analytics and Target. Essential Cookies are necessary to provide you with products and services available through our Site. If you refuse them, it will impact your ability to access some of the Site’s functions and features. Performance cookies help us enhance the performance and functionality of our Site, products, and services, but are not necessary for your use. Certain functions or features may become unavailable if you refuse them. Analytics cookies collect information that is used to help us understand the use of our Site, products, services, effectiveness of marketing campaigns, or to help us customize our Site to enhance your experience. Target cookies record your visit to our Site, the pages you have visited, and the links you have followed. We use this so we can recognize you as a prior visitor and track your activity on our Site and others you visit. These cookies remain on your device for us to use during subsequent visits to our Site. Some cookies are “persistent”, and some cookies are deleted when your browsing session has ended. We also allow third parties to use cookies on our Site to collect information about your online activities over time and across different websites you visit. This information is used to provide advertising tailored to your interests on websites you visit, also known as interest-based advertising, and to analyze the effectiveness of such advertising. To learn more about the use of cookies by Google for analytics and to exercise choice regarding those cookies, please visit the Google Analytics Opt-out Browser Add-on or the Digital Advertising Alliance. There are “do not track” or similar browser choices available to internet users with respect to online web activity. However, given the present lack of consensus of what constitutes an informed election, appropriate trigger, or breadth of scope of such choice, our Site will not operate any differently when a “do not track” signal is received or one of these browsers is used. Use of Your Personal Information We use your Personal Information for our legitimate business interests, to communicate with you, to provide you with the products and services you seek, and as otherwise described in this Privacy Policy. We may use your Personal Information to personalize offers or pricing for you, to compile, analyze, and better understand the needs, demographics and behavior of our customers, and to detect, investigate, and prevent activities that may be illegal or violate our policies. We may use your Personal Information to communicate with you about products and services we believe might be of interest and to administer promotions, surveys, contests and sweepstakes in which you might participate. We may use the information collected by our Site, to improve the effectiveness of our marketing efforts, operations, customer experience, or as described elsewhere in this policy, to prevent against fraud and theft, and otherwise to protect our customers, our Site’s visitors, and our business. Our employees and agents may use your Personal Information to perform their jobs and service your needs and our operations. We authorize their access to your Personal Information on a need-to-know basis, with an obligation to protect the privacy of your Personal Information. Sharing Your Personal Information We share your Personal Information with our Affiliated Companies and non-affiliated insurers for whom we administer policies to (1) underwrite your application for coverage, and make eligibility, risk rating, policy issuance, and enrollment determinations; (2) obtain reinsurance; (3) administer claims and determine or fulfill our responsibility for coverage and the provision for benefits; (4) administer coverage; and (5) in furtherance of our legitimate business interest in identifying and marketing other of our, or our affiliates’, products and services that may be of interest to you. We also may share your Personal Information with non-affiliated entities who assist us in the marketing and operation of our business, our Site, and in communicating with you. We may disclose your Personal Information if we determine that disclosure is reasonably necessary to enforce our terms, this Privacy Policy or to otherwise protect our operations, customers, or our Site. We may release your Personal Information to others, including law enforcement, if we believe such release is reasonably necessary to comply with the law or legal process; enforce or apply the terms of applicable terms of use; detect, prevent, or otherwise address fraud, security or technical issues; or otherwise protect the rights, property or safety of others. We may sell, transfer and/or disclose your Personal Information as part of a business divestiture, sale, merger, or acquisition of all or a part of our business. If another company acquires our company, business, or assets, that company will possess the Personal Information collected by us and will assume the rights and obligations regarding your Personal Information as described in this Privacy Policy. In the event of an insolvency, bankruptcy, or receivership, your Personal Information may also be transferred as a business asset. In addition, we may share aggregate, non-individual information with third parties for lawful purposes. You may opt-out of receiving our marketing emails by clicking the “unsubscribe” link at the bottom of any such email you receive from us, or by emailing us at regulatory.compliance@americo.com. If you opt-out from receiving marketing emails or text messages, we may still need to send you communications about your account, orders, customer service inquiries, and other matters. If you agreed to receive future marketing communications directly from a third party through our Site you will need to contact that party to opt-out of such communications. This process may be outlined on that third party’s privacy policy. California Privacy Rights If you are a California resident, you may have certain rights with respect to your Personal Information, including the following: the right to know, by way of our Privacy Policy and any specific inquiries you direct to us, the source of the Personal Information we have about you, what we use that information for, whether it is being disclosed or sold, and to whom it is being disclosed or sold; the right to “opt-out” of Americo’s sale of your Personal Information to any third parties; the right, with some exceptions, to have your Personal Information deleted from Americo’s possession or control; and the right to receive equal service and pricing from Americo even if you exercise any of your privacy rights. California Civil Code Section 1798.83 permits California residents who use our Site to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, or if you have any questions or concerns about your California privacy rights, our Privacy Policy or our use of your Personal Information, please send an e‐mail to regulatory.compliance@americo.com, or contact us at: Americo Financial Life and Annuity Insurance Company PO Box 410288 Kansas City, MO 64141-0288 816.641.2850 800.231.080 (toll-free) For all California residents, any such inquiries shall be responded to within forty-five (45) days and at no cost to you. We must verify your identity with respect to such inquiries. Depending on the nature of the Personal Information at issue, we may require additional measures or information from you as part of that verification. For California residents under age 18 who have publicly posted content or information, you may request and obtain removal of such content or information pursuant to California Business and Professions Code Section 22581, provided you are registered user of any Site where this Policy is posted. To make such a request, please send an email with a detailed description of the specific content or information to regulatory.compliance@americo.com. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that the law may not require or allow removal in all instances, even if requested. Links to Other Sites We are not responsible for, nor do we review or evaluate, the privacy practices or the contents of other websites whose links may appear on our Site. When you leave our Site to visit a linked site, we encourage you to review the security and privacy policies of the linked site. Security Measures We maintain a variety of security measures, including physical, electronic and administrative safeguards. No system can be completely secure, however, so you should not expect, that your Personal Information, searches, or communications will always remain secure. You are responsible for maintaining the confidentiality of any Password used for access to our products or services. All activities that occur using your Password are your responsibility, whether you authorized them or not. If you suspect any unauthorized use of your Password or accounts, notify Americo immediately. Changes to this Privacy Policy This Policy was last revised on October 28, 2021. We reserve the right to modify this Privacy Policy at any time. Any such changes and clarifications will be distributed to you and will take effect when distributed by Americo.
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Companies Covered by this Privacy Policy
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