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LibertyMark Freedom 10 Plus (Legacy Marketing Group)

The LibertyMark Freedom 10 Plus Annuity is a promising option for securing a comfortable retirement. It offers a variety of bonuses, including a premium bonus enhancing your savings. It's like adding extra fuel to your retirement nest egg!

Also, it allows you to grow your investments, tax-deferred and assures a lifetime income. With the Freedom 10 Plus, you can relax, knowing you've made a solid, safe, and smart choice for future!

LibertyMark Freedom 10 Plus (Legacy Marketing Group)

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About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

Term

10 Years

Surrender schedule

13%

12.5%

11.5%

10.5%

9.5%

8.5%

7.5%

6.5%

5.5%

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: AZ, AR, CO, DC, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, NE, NM, NC, ND, RI, SD, TN, VT, 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	6.4% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.4% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	81% 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	129% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Annual	199% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	274% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	178% 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	200% 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 Cap	Point to Point Annual	8.85% Cap
1-Year S&P 500 IQ PTP Participation Rate	Point to Point Annual	55% Participation
1-Year S&P 500 IQ PTP Participation Rate	Point to Point Annual	85% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	13%	13%	13%	12%	11%	10%	9%	8%	7%	6%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

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

Waivers

Hospital

Unavailable in states: MA

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

Unavailable in states: MA

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.

Company Founded: 1946

Excellent Rated Company

Americo Financial Life and Annuity

Company Ratings

4.3