LibertyMark Freedom 7 Rate & Reviews

LibertyMark Freedom 7

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, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3.2% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	6.6% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.15% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	38% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	55% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	77% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	53% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Annual	130% 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	262% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	180% Participation
1-Year SG Laser PTP Participation Rate	Point to Point Annual	129% Participation
1-Year SG Laser PTP Participation Rate	Point to Point Annual	188% Participation
2-Year SG Laser PTP Participation Rate	Point to Point Biennial	260% Participation
2-Year SG Laser PTP Participation Rate	Point to Point Biennial	178% Participation

Surrender schedule

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

Riders

Name	Inbuilt	Fee
Heritage Maximizer	No	0.30% annually