LibertyMark consumer value to get even stronger with upcoming enhancements.
Need-to-know information critical to your business.
November 3, 2016
You Asked for It, and Legacy Listened
LibertyMarksm Enhancements Coming Soon
Great news! Starting with applications received November 8, 2016, the Liberty Optimizer administrative fee will be applied at the end of each contract year instead of the beginning. As a result, your clients’ first statement will reflect only one administrative fee during the 13-month statement period—making the statement easier for clients to understand.
Heritage Maximizersm: A similar change, from beginning of year to end of year, will apply to the rider fee for the optional Heritage Maximizer enhanced death benefit rider.
More great news! LibertyMark’s tremendous consumer value is about to get even stronger. The Return of Premium guarantee currently offered by company practice on the LibertyMark death benefit will be a contractual provision, effective with applications received on or after November 8, 2016.
Effective Date—Applications received by Americo on or after Tuesday, November 8, 2016, will receive these enhancements. Note: The enhancements are not yet available in Hawaii. (See note below about Missouri.) Refer to the State Approval Matrix for details.
Updated Disclosures—Updated annuity disclosure forms will be available on The Forms Store and must be included with new business submitted on and after November 8, 2016. Avoid new business and commission delays by ensuring the new disclosures are used, and please discard any older versions you may have. Updated marketing materials, including brochures and inserts, will also be available on The Forms Store.
No longer available in Missouri—As a result of these enhancements, LibertyMark FIAs will no longer be available for sale in Missouri effective Tuesday, November 8, 2016.
Americo Mailing Address: Americo Overnight Address: Fax: 800-395-9261
P.O. Box 410288 300 W. 11th Street E-mail:
Kansas City, MO 64141-0288 Kansas City, MO 64105-1618  
Questions? Please contact your Relationship Manager at 800-395-1053, Ext. 4002.
We appreciate your business!
LibertyMark Heritage Maximizer enhanced death benefit rider (Rider Series 2181). LibertyMark 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4196); LibertyMark 7 Plus, SE 7 Plus (Contract Series 411/4191/4196); LibertyMark 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus (Contract Series 411/4179/4184/4196). IN HAWAII—LibertyMark 7, 10, SE 7, SE 10 (Policy Series 411/4182); LibertyMark 7 Plus, SE 7 Plus (Policy Series 411/4182/4191); and LibertyMark 10 Plus, SE 10 Plus (Policy Series 411/4179/4182/4184). Products are single premium deferred fixed indexed annuities underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Products distributed by Legacy Marketing Group®. Some products and benefits may not be available in all states. Certain restrictions and variations apply. Consult contract and riders for all limitations and exclusions. Legacy Marketing Group is an independent, authorized agency of Americo. The Liberty Optimizer administrative fee of 1.00–1.75% (depending on the product version selected) will be deducted from the Accumulation Value at the end of each contract year, including the first.
* Available upon death, surrender, or annuitization, less any withdrawals, surrender charges, and applicable premium tax.
** The benefit becomes eligible for payout three years after the rider effective date. Additional restrictions apply. May not be available in all states or on all products. Heritage Maximizer is not life insurance. Benefits are taxable as income. Once elected, Heritage Maximizer may not be cancelled.
14-601-19 (11/16)