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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

JourneyMark 5 (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. 
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
Purpose Accumulation
Term
5 Years
Surrender schedule
5%4%3%2%1%
Free withdrawal
1st year: 0%
2nd+ year: 5%
Market value adjustment
Return of premium
Launch date
08/16/2021
Minimum contribution
$10,000
Maximum contribution
$1,500,000
Max Age Qualified
90
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
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Find out if the JourneyMark 5 (Legacy Marketing Group) is the right product for you.

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Premium Notes

JourneyMark is a modified single premium annuity. It can be purchased with a single lump-sum payment of at least $10,000, and you have the option to make additional premium payments in increments of $5,000 or more during the first contract year. Systematic additions are not allowed.

Maximum premium amounts vary by the age of the older owner:
  • $1,500,000 ages 0–75.
  • $1,000,000 ages 76+.
Funding Acceptance
  • Non-qualified, 
  • Non-qualified Stretch, 
  • 401a (Annuitant must be the beneficial employee. Plan docs required), 
  • 401k (Annuitant must be the beneficial employee. Plan docs required), 
  • 501(c) non-profit, 
  • Defined benefit plan (Section 401 plans only. Annuitant must be the beneficial employee. Plan docs required), 
  • Money purchase plan (Section 401 plans only. Annuitant must be the beneficial employee. Plan docs required), 
  • Profit sharing plan (Section 401 plans only. Annuitant must be the beneficial employee. Plan docs required), 
  • SEPP 72(t)/SEPP 72q (Both new and inforce. Requires calculation or substantiated quote), 
  • Rollover IRA (Traditional), 
  • Custodial IRA, 
  • Inherited IRA (Eligible beneficiaries only), 
  • Nondeductible IRA/Taxable IRA, 
  • Self-directed IRA, 
  • SEP IRA, 
  • Roth IRA, 
  • Roth IRA Conversion (Full), 
  • Backdoor Roth IRA, 
  • Designated Roth/Roth 401(k), 
  • Inherited Roth IRA, 
  • Self-directed Roth IRA, 
  • Spousal Roth IRA (Living spouse assumes deceased spouse’s Roth IRA)
Note: We accept TSP funds as a rollover and issue it as a traditional IRA. 

Withdrawal Provisions

Free withdrawal amount
Respond to life’s uncertainty with flexible, penalty-free access to your money. Each index year after the first, you may withdraw a percentage of your account value without a withdrawal charge or market value adjustment (noncumulative; $250 minimum). The free withdrawal percentage is based on the beginning-of-index-year account value, less any prior free withdrawals taken during the current index year.

Allocation Accounts

Name Type Rates
5-Year Citi Flexi-Beta 5 ER High Water Mark Participation Rate
High Water Mark
5-Year
232% Participation
1-Year Fixed Account
Fixed
4.45% Fixed
1-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
Annual
182% Participation
2-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
Biennial
262% Participation
1-Year Goldman Sachs Mariner PTP Participation Rate
Point to Point
Annual
165% Participation
2-Year Goldman Sachs Mariner PTP Participation Rate
Point to Point
Biennial
235% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
47% Participation

Surrender schedule

Year 1 2 3 4 5
Penalty 5% 4% 3% 2% 1%

Riders

No Riders for JourneyMark 5 (Legacy Marketing Group) annuity.

Waivers

Terminal Illness

Unavailable in states: CA

You qualify for waiver under this scenario if, after contract issue, you are diagnosed as having a life expectancy of 12 or fewer months. Please refer to the rider for additional information.

Confinement

Unavailable in states: CA

You qualify for the waiver if, after contract issue, you become confined to a qualified hospital, nursing home, or other licensed health care facility for at least 60 consecutive days. Please refer to the rider for qualified facilities and additional information. The nursing home waiver does not include home health care.

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