Americo Financial Life and Annuity Insurance Company, or Americo, helps consumers plan and save for retirement with a variety of life insurance and annuity products.

Americo is authorized to issue annuities in the District of Columbia and all states besides New York. Annuity companies, like Americo, issue annuities to help protect clients against outliving their savings while providing growth potential.

About Americo

Americo Financial Life and Annuity Insurance Company, originally called The College Life Insurance Company of America, was founded in 1946.

The life insurance and annuity company is among a family of other subsidiary companies, including the following:

  • Great Southern Life Insurance Company
  • United Fidelity Life Insurance Company
  • National Farmers Union Life Insurance Company
  • Investors Life Insurance Company of North America

“We are progressive in our thinking,” according to the Americo website. “We are solutions-oriented. We offer innovative product solutions that can be tailored to fit your situation.”

In addition to consumer-focused annuity products, Americo offers:

  • Term and universal life insurance
  • Whole life insurance
  • Medicare Supplement insurance
  • Vision insurance

Current Americo annuity customers can reach out to the company through the following number:


Americo’s Credit Ratings

Credit rating agencies routinely evaluate the financial strength of annuity providers. This scoring provides a snapshot of the company’s ability to cover claims and other financial obligations.

Americo’s website refers to its ratings as “a portrait of financial stability,” boasting the third highest out of 16 possible AM Best rating categories.

Americo Financial Life and Annuity Insurance Company Credit Ratings

Credit Rating
AM Best: A Excellent
Moody’s: A3 Stable

Annuity Products Offered by Americo

One of two entities underwrite the annuity products for Americo — Americo Financial Life and Annuity Insurance Company or Great Southern Life Insurance Company.

Available products and benefits may vary by state, but Americo specializes in two primary annuity types: fixed indexed and multi-year guaranteed annuities, or MYGAs.

Fixed Indexed Annuities

Fixed indexed annuities earn interest based on the performance of a market index. For example, if the S&P 500 has favorable gains, the annuity collects earnings up to a certain amount. Even if the market endures losses, this annuity type has downside protection.

Multi-Year Guaranteed Annuities (MYGA)

MYGA products offer a fixed interest rate over a pre-determined period. Earnings are tax deferred, so you do not incur tax until you begin making withdrawals.

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How soon are you retiring?

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What is your goal for purchasing an annuity?

Select all that apply

Resources for Americo Clients

Americo clients can service their policies and complete important forms online.

The Americo website has easily accessible links to the following important processes:

  • Making a claim
  • Updating bank information
  • Surrendering a policy
  • Withdrawing from your policy
  • Submitting Required Minimum Distribution (RMD) forms
  • Updating your address
  • Updating beneficiaries
  • Completing additional forms, such as W-9s and annuitant changes

Americo also has a comprehensive glossary of terms to help consumers understand financial jargon, annuity terms and contract verbiage.


If you have an annuity with Americo, you can log into your account at:

Americo’s Customer Portal

About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: August 11, 2023
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