Ratings:

A.M. Best A
Moody's A3
Comdex 70

James Alden

Experienced Financial Advisor

25 years

experience

3,712

career consultations

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LibertyMark Freedom 10 LT Plus (Legacy Marketing Group)

Originally established in 1946, Americo Financial Life and Annuity Insurance Company offers life insurance, annuities, and other insurance products. Being in the financial services sector, their insurance solutions include senior life insurance, mortgage protection, Medicare supplemental insurance, and a broad range of annuity products. These offerings are distributed through a network of independent insurance agents, enabling Americo to personalize their guidance and tailor coverage to customers. With a common goal to ensure policyholders’ financial security, the company has seen a constant growth of assets while upholding high standards of customer service and corporate responsibility.

LibertyMark Freedom 10 LT Plus (Legacy Marketing Group)

Your Email

Ratings:

A.M. Best A
Moody's A3
Comdex 70

About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

Term

10 Years

Surrender schedule

11.9%9.4%8.2%7.2%6.2%5.2%4.2%3.1%2.1%1%

Fee withdrawal:

10%

Market Value Adjustment

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, and Inherited IRA

Launch Date

08/23/2022

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.

Fee/No-Fee Index Options

Accumulation free of mandatory fees.
Ability to buy higher caps and par. rates for upgraded earnings potential. The charge on optional indexed options with a fee is 1.75% on LibertyMark Freedom 10-year products, deducted at the end of each contract year during the index period.

Please note this product is developed and marketed exclusively with Legacy Marketing Group.
For more information about submitting New Business applications, please contact the Legacy Marketing Group sales desk directly at 800-395-1053, Ext 4002

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	3.2% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	6.4% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.6% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	89% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	58% 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	200% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	275% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	179% Participation
1-Year SG Laser PTP Participation Rate	Point to Point Annual	130% Participation
1-Year SG Laser PTP Participation Rate	Point to Point Annual	201% Participation
2-Year SG Laser PTP Participation Rate	Point to Point Biennial	276% Participation
2-Year SG Laser PTP Participation Rate	Point to Point Biennial	179% Participation
1-Year S&P 500 IQ PTP Participation Rate	Point to Point Annual	87% Participation
1-Year S&P 500 IQ PTP Participation Rate	Point to Point Annual	57% Participation
1-Year S&P 500 IQ PTP Cap	Point to Point Annual	10% Cap

Surrender schedule

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

Riders

No Riders for LibertyMark Freedom 10 LT Plus (Legacy Marketing Group) annuity.

Waivers

Hospital

Surrender charges are waived if after contract issue any owner is confined to a qualified nursing home or hospital for at least 90 consecutive days.

Nursing Home

Surrender charges are waived if after contract issue any owner is confined to a qualified nursing home or hospital for at least 90 consecutive days.

Premium Notes

Premium

$10,000 minimum, Q and NQ.
$1 million maximum per owner without Home Office approval or commission reduction.
Additional premium payments not allowed.
$50 minimum interest crediting option allocation.

Markets

Non-qualified money.
403(b)/TSA plan/Roth 403(b)—non-contributory only.
Rollover IRA (traditional).
Inherited IRA—spousal only.
SEP IRA.
Roth IRA.
Roth IRA conversion (full).
Spousal Roth IRA—living spouse assumes deceased spouse’s Roth IRA.
Charitable Remainder Trust.
Corporation.
Irrevocable Trust.
Revocable Trust.
Special Needs Trust.
Net Income with Make-up Charitable Remainder Unitrust.

Withdrawal Provisions

Penalty-Free Withdrawals
Contractually, one penalty-free withdrawal is allowed per year after the first year, equal to 10% of the Accumulation Value as of the most recent contract anniversary. The minimum withdrawal amount is $500, with a minimum remaining surrender value of $2,000. Withdrawals will be taken from the Declared Interest Option on a last-in first-out (LIFO) basis first, and then any additional amounts will be taken from the index options on a LIFO basis.