Fixed index annuity review and rates

LibertyMark Freedom 10

With no built-in fee and strong earnings potential driven by a diverse selection of index options, LibertyMark Freedom fixed indexed annuities give clients the freedom to choose their earnings potential—and to upgrade it by buying higher caps and participation rates. The backing of a highly rated carrier, protection of an industry-leading minimum guarantee, and optional 30% death benefit bonus on the full Accumulation Value help to reassure clients. 
Available in states: AZ, AR, CO, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, NE, NM, NC, ND, SD, TN, VT, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.2% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.7% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
12.4% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
47% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
66% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
91% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
64% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Annual
170% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Annual
240% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Biennial
330% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Biennial
233% Participation
1-Year SG Laser PTP Participation Rate
Point to Point
Annual
166% Participation
1-Year SG Laser PTP Participation Rate
Point to Point
Annual
237% Participation
2-Year SG Laser PTP Participation Rate
Point to Point
Biennial
327% Participation
2-Year SG Laser PTP Participation Rate
Point to Point
Biennial
229% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Riders

Name Inbuilt Fee
Heritage Maximizer No 0.30% annually
Americo Legacy Marketing Group
Founded: 1946
A.M. Best: A
S&P: A
Moody's: A3
Carrier details
Free withdrawal
1st year: 0%
2nd+ year: 10%
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, IRA, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, and Inherited IRA