LibertyMark 7 Rate & Reviews

LibertyMark 7

The LibertyMark 7 is a single premium fixed indexed annuity with 8 interest crediting strategies and a 7 surrender schedule. This FIA offers full accumulation value at death and liquidity for nursing home and/or hospitalization confinement (may not be available in all states). There is a product fee applied to the account value each year. Please see the contract for details.

Annual administrative fee
deducted from the Accumulation Value (AV) at the end of each contract year, including the first. True Up—credits back any Liberty Optimizer Fee amounts paid that are greater than interest earnings. Applies at end of Year 5

Available in states: AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IA, KS, KY, LA, ME, MD, MA, MI, MN, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
5-Year SG Columbia Adaptive Risk Allocation FUSION Participation Rate with Fixed rate on Gain	FUSION 5-Year	258% Participation 2% Performance triggered
1-Year Fixed Account	Fixed	3.95% Fixed
1-Year Gold PTP Participation Rate	Point to Point Annual	45% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Annual	163% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year Morgan Stanley TEBI PTP Participation Rate	Point to Point Annual	130% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	8.4% Cap
2-Year Morgan Stanley TEBI PTP Participation Rate	Point to Point Biennial	178% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	66% Participation

Surrender schedule

Year	1	2	3	4	5	6	7
Penalty	9%	9%	8%	7%	6%	5%	4%

Riders

Name	Inbuilt	Fee
Heritage Maximizer	No	0.30% annually
Optimizer Fee	Yes	1.00% annually