Rate Updates Your up-to-date resource for interest rates.

EFFECTIVE: December 1, 2011

Income Freedom RiderSM Bucks the Trend!
Roll-up INCREASES to 7% on AdvanceMarkSM and AmeriMarkSM Freedom 12-Year Products December 1

Effective December 1, 2011, the Income Freedom Rider roll-up rate increases to 7%* for AdvanceMark, AmeriMark Freedom, and AmeriMark Freedom SE fixed indexed annuity products. The roll-up rate for AmeriMark Freedom 7 and AmeriMark Freedom 7 SE remains at 4% or 6%,* depending on the rider version selected. As you know, nothing lasts forever, so until further notice, hop on the Income Freedom Rider and increase your clients' roll-up rate to 7%!

Product Transition Rules

Roll-up Rate

AmeriMark Freedom
AmeriMark Freedom SE 		Applications received
December 1, 2011, or later 		7.00%
AdvanceMark Contracts issued with a
December 1, 2011, or later
allocation date 		7.00%
AmeriMark Freedom 7
AmeriMark Freedom 7 SE 		No change 4.00% or 6.00%
(no change)
Rider cost will be 70 bps annually for 7% roll-up and is currently 30 bps annually for 6% roll-up and 10 bps annually for 4% roll-up.

Have questions or need sales ideas? Call your Legacy Relationship Manager today at 888-452-5779.

For details on Legacy products—including AdvanceMark and AmeriMark Freedom—review the Quick Reference Sheets. Besides information on riders and crediting strategies, you'll find specifics on everything from product differentiators to surrender charge schedules and issue ages. New rates, state approvals, and commissions are highlighted in blue.

Also attached is our popular “Legacy One-Stop Shop” flier.

Thank you for your business!

AdvanceMark and AmeriMark Freedom flexible premium fixed deferred indexed annuities are issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD; products are distributed by Legacy Marketing Group®. Subject to state availability. Certain restrictions apply. Refer to contracts, Earnings Rate Update, sales guides, and State Approval Matrix for details. Form Nos: FGL FPDA-EIA (2005), FGL FPDA-EIA-C (3-08), AM-PEIAII-0405-0, AM-PEIAII-0405-0-1, AMPEIAII-0405-B, AM-PEIAII-0405-B-1, et al. Rider endorsement No.: OM GMWB-FA (01-09).
* Roll-up amounts are current guaranteed rates. Fidelity & Guaranty Life reserves the right to change these rates for future sales of Income Freedom Rider to not less than a minimum guaranteed rate of 3%.
LMG2590v1211 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 11-473