Fixed index annuity review and rates

LibertyMark Freedom 10 LT Plus

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, FL, MN, MO, MT, NV, NH, OH, OK, PA, SC, TX, UT, VA, and WA

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.9% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
6.05% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.95% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
34% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
53% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
73% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
46% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Annual
119% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Annual
190% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Biennial
261% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Biennial
164% Participation
1-Year SG Laser PTP Participation Rate
Point to Point
Annual
119% Participation
1-Year SG Laser PTP Participation Rate
Point to Point
Annual
190% Participation
2-Year SG Laser PTP Participation Rate
Point to Point
Biennial
262% Participation
2-Year SG Laser PTP Participation Rate
Point to Point
Biennial
164% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 12% 9% 8% 7% 6% 5% 4% 3% 2% 1%
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%
Premium bonus
7%
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