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	3.85% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	7.35% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	11% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	44% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	60% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	83% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	60% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Annual	158% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Annual	218% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	300% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	217% Participation
1-Year SG Laser PTP Participation Rate	Point to Point Annual	156% Participation
1-Year SG Laser PTP Participation Rate	Point to Point Annual	217% Participation
2-Year SG Laser PTP Participation Rate	Point to Point Biennial	299% Participation
2-Year SG Laser PTP Participation Rate	Point to Point Biennial	215% 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