Fixed index annuity review and rates

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
3.55% Fixed
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
41% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
61% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
85% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
57% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Annual
142% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Annual
212% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Biennial
292% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Biennial
196% Participation
1-Year SG Laser PTP Participation Rate
Point to Point
Annual
139% Participation
1-Year SG Laser PTP Participation Rate
Point to Point
Annual
208% Participation
2-Year SG Laser PTP Participation Rate
Point to Point
Biennial
288% Participation
2-Year SG Laser PTP Participation Rate
Point to Point
Biennial
191% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.15% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
11.8% 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
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