LibertyMark Freedom 10 LT Rate & Reviews

LibertyMark Freedom 10 LT

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: AK, CA, CT, DE, FL, ID, MN, MO, MT, NV, NH, NJ, OH, OK, OR, PA, SC, TX, UT, VA, and WA

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.2% Fixed
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
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

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