Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

JourneyMark 10 with Cascade Rider (Legacy Marketing Group)

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

Key Takeaways

  • Companies are different
The JourneyMark with Cascade Rider offers accumulation potential from a diverse selection of interest crediting options, protection from market risk, and 10% free access to the account value when you need it.

Guaranteed Minimum Accumulation Value (“GMAV”)
If your Account Value (plus interest calculated using the current “high water mark” of any applicable Indexed Interest Option) is less than the GMAV at the end of the Index Year immediately following the end of your Withdrawal Charge Period, we will increase your Account Value (including “high water mark” interest) to be equal to the GMAV. The GMAV is the premium, plus premium bonus, less withdrawals, including any withdrawal charges and MVA, less any rider charges, multiplied by an enhancement percentage of 110%.

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

Allocation Accounts

Name Type Rates
5-Year Citi Flexi-Beta 5 ER High Water Mark Participation Rate
High Water Mark
5-Year
195% Participation
1-Year Fixed Account
Fixed
3.8% Fixed
1-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
Annual
152% Participation
2-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
Biennial
217% Participation
1-Year Goldman Sachs Pathfinder PTP Participation Rate
Point to Point
Annual
71% Participation
2-Year Goldman Sachs Pathfinder PTP Participation Rate
Point to Point
Biennial
116% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
41% 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%

Riders

Name Inbuilt Fee
JourneyMark 10 Cascade Rider Yes 1.00% annually (0.00% after 10 years)