Americo Growth-Commander-Fixed-Indexed-Annuity

ACCESS Your Money Life has a way of intruding when least expected, which may require you to access your Accumulation Value for emergency funds. Should the unexpected occur—or if you just need some extra money—Growth Commander o€ers a variety of options for accessing your funds. PENALTY-FREE WITHDRAWALS You may withdraw up to 10% of your Accumulation Value each contract year after the ‚rst and incur no surrender charges. The minimum withdrawal amount is $500 and your Surrender Value cannot fall below $2,000. SURRENDER CHARGES If you need to surrender your contract or withdraw a sum that exceeds the penalty-free withdrawal amount, a surrender charge will apply during the contract’s six- or 10-year surrender period. The surrender charge is expressed as a percentage of the amount withdrawn. Percentages vary by product version and state, and decrease over time as follows.

SURRENDER CHARGE PERCENTAGES

CONTRACT YEAR

1

2

3

4

5

6

7

8

9

10 11+

Growth Commander 6

8% 8% 7% 6% 5% 4% 0% 0% 0% 0% 0%

Growth Commander 10

9% 8.7% 7.8% 6.8% 5.9% 4.9% 3.9% 3% 2%

1% 0%

CONFINEMENT WAIVER In most states, if after the contract date you become con‚ned to a nursing home or hospital for at least 90 consecutive days, you may withdraw 100% of your Accumulation Value without incurring surrender charges. This is made available under the Waiver of Surrender Charges Upon Hospital or Nursing Home Con‚nement Endorsement.* Your withdrawal request and proof of con‚nement must be provided no later than 30 days after discharge. Check with your insurance professional regarding availability of this waiver in your state and refer to the contract for details and restrictions. Not available in MassachuseŠs. * Endorsement Forms AAA4139 (05/06), APA4139 (05/06), ATX4139 (05/06). ANNUITIZATION You can convert your annuity’s value into regular monthly payments at any time. This is a process called annuitization. Payout options include a ‚xed period option that pays out for between ‚ve and 20 years, or a lifetime income option that pays out for the longer of the annuitant’s life or a period of 10 or 20 years.

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