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
2.35% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
5.2% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
27% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
47% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
65% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
38% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Annual
94% 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
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate
Point to Point
Biennial
130% Participation
1-Year SG Laser PTP Participation Rate
Point to Point
Annual
94% Participation
1-Year SG Laser PTP Participation Rate
Point to Point
Annual
164% Participation
2-Year SG Laser PTP Participation Rate
Point to Point
Biennial
226% Participation
2-Year SG Laser PTP Participation Rate
Point to Point
Biennial
130% 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