JourneyMark 10 (Legacy Marketing Group)
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Highlights
The JourneyMark base product (without an optional rider) offers accumulation potential from a diverse selection of interest crediting options, protection from market risk, and 5% free access to the account value when you need it. To meet various retirement time horizons, The 5-year version is available exclusively to issue ages 86–90.
Please note this product is developed and marketed exclusively with Legacy Marketing Group.
Please note this product is developed and marketed exclusively with Legacy Marketing Group.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, 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
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
10 Years |
|
Surrender schedule
|
9%8.75%7.75%6.75%5.75%4.75%3.75%3%2%1% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 5% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$10,000 |
|
Types of funds
|
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 5-Year Citi Flexi-Beta 5 ER High Water Mark Participation Rate |
High Water Mark
5-Year
|
205%
Participation
|
| 1-Year Fixed Account |
Fixed
|
3.95%
Fixed
|
| 1-Year Citi Flexi-Beta 5 ER PTP Participation Rate |
Point to Point
Annual
|
160%
Participation
|
| 2-Year Citi Flexi-Beta 5 ER PTP Participation Rate |
Point to Point
Biennial
|
232%
Participation
|
| 1-Year Goldman Sachs Pathfinder PTP Participation Rate |
Point to Point
Annual
|
73%
Participation
|
| 2-Year Goldman Sachs Pathfinder PTP Participation Rate |
Point to Point
Biennial
|
120%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
42%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |