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OptiMark (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.

OptiMark (Legacy Marketing Group)

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About Product

Type

Fixed Index

Purpose

Accumulation & Legacy

Premium Bonus

12%

Term

10 Years

Surrender schedule

13%

12%

11%

10%

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

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

Launch Date

09/15/2025

OptiMark is a single premium deferred fixed indexed annuity.
Single premium
You pay one lump-sum premium payment to purchase OptiMark. There are no ongoing premium commitments.
Deferred
Income is deferred until a later day, which allows your OptiMark annuity time to grow. Taxes on interest earned are also deferred until you access your money.
Fixed Indexed Annuity
Provides protection from loss while giving you the choice of predictable fixed interest earnings and the opportunity for growth based on the performance of a market index.

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, 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	3.3% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	6.5% Cap
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	58% Participation
1-Year S&P 500 IQ PTP Cap	Point to Point Annual	9.1% Cap
1-Year S&P 500 IQ PTP Participation Rate	Point to Point Annual	56% Participation
1-Year SG Laser PTP Participation Rate	Point to Point Annual	135% Participation
2-Year SG Laser PTP Participation Rate	Point to Point Biennial	185% Participation
1-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Annual	133% Participation
2-Year SG Columbia Adaptive Risk Allocation PTP Participation Rate	Point to Point Biennial	183% Participation
1-Year S&P 500 IQ PTP Declared Rate on Gain	Performance Triggered Annual	6.25% Performance triggered
1-Year S&P 500 PTP Inverse Cap	Inverse Cap Annual	16.4% Cap

Surrender schedule

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

Riders

Name	Inbuilt	Fee
Enhanced Death Benefit Rider	No	0.15% annually

Waivers

Hospital

Unavailable in states: MA

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

Nursing Home

Unavailable in states: MA

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

RMD

Required minimum distributions (RMDs) that may need to be satisfied during the first year should be taken prior to issue of the contract. In cases where this is not possible, the RMD amount associated with the contract may be withdrawn without surrender charges, even if it is greater than the penalty-free withdrawal amount, as provided by company practice. (Note: There will be a chargeback of 100% for premium withdrawn in the first year due to RMDs.)

Premium Notes

Issue Ages

0-80.
0-75 with optional enhanced death benefit rider.

Withdrawal Provisions

Penalty-Free Withdrawals Contractually, one penalty-free withdrawal is allowed per year starting the first year equal to 10% of the Accumulation Value as of the most recent contract anniversary. Subsequent withdrawals after the first are based on the Accumulation Value at the time of the withdrawal. The minimum withdrawal amount is $500, with a minimum remaining surrender value of $2,000. Withdrawals will be taken first from the Declared Interest Option on a last-in, first-out (LIFO) basis, and then any additional amounts that are needed will be taken from the indexed options on a LIFO basis. Market Value Adjustment (MVA) A market value adjustment will be added to a surrender charge during the market value adjustment period shown on the contract. An MVA adjusts the value of your withdrawal, based on how interest rates have changed since your contract began. The MVA is calculated based on a formula that takes into account changes in the Treasury Constant Maturity series published by the Federal Reserve that occur between the date your policy was issued and the date of your withdrawal or surrender request. An MVA adjustment may be positive or negative.

Company Founded: 1946

Excellent Rated Company

Americo Financial Life and Annuity

Company Ratings

4.3