Americo Financial Life and Annuity Insurance Company
Americo has been dedicated to helping people fulfill their retirement dreams for more than 100 years. Its balance sheet strength, stellar operating performance, and robust business profile make Americo a perfect partner for us. Together, our two companies have built proprietary products that offer people all over the country the peace of mind of knowing their retirement funds are secure and growing. Americo underwrites, issues, and manages in-force annuity products, life insurance, and Medicare Supplement insurance. Rated “A” by A.M. Best Company,* Americo adheres to the strictest of financial guidelines so it can be trusted with your client’s hard-earned money.
AMERICO FIXED INDEXED ANNUITIES
AMERITAS FIXED INDEX ANNUITIES

Carrier and Product Disclosures

FutureMark 10, 10 LT (Contract Series 416/4416). BeneBoostersm guaranteed minimum death benefit rider (Rider Series 2182). IN IDAHO—FutureMark 10 (Contract Forms AID416/AAA2182). IN NEW MEXICO—FutureMark 10 (Contract Series AAA416/AAA2182). IN OREGON—FutureMark 10 LT (Contract Form AOR416). IN WASHINGTON—FutureMark 10 LT (Contract Series AWA416).

LibertyMark 7, 10, 10 LT, SE 7, SE 10, SE 10 LT Contract Series 411, 4196, 4205; LibertyMark 7 Plus, SE 7 Plus Contract Series 411, 4191, 4196, 4205; LibertyMark 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus Contract Series 411, 4179, 4196, 4205. Heritage Maximizersm Enhanced Death Benefit Rider Series 2181. IN IDAHO— LibertyMark 7, SE 7, 10, SE 10 Contract Forms AID411, AAA4196, AAA4205, AAA2181; LibertyMark 7 Plus, SE 7 Plus Contract Forms AID411, AAA4196, AAA4205, AAA4191; LibertyMark 10 Plus, SE 10 Plus Contract Forms AID411, AAA4196, AAA4205, AAA4179. IN NEW MEXICO—LibertyMark 7, SE 7 Contract Series ANM411L7617; LibertyMark 7 Plus, SE 7 Plus Contract Series ANM411L7+617; LibertyMark 10, SE 10 Contract Series ANM411L1019; LibertyMark 10 Plus, SE 10 Plus Contract Series ANM411L10+19. IN OREGON—LibertyMark 7, SE 7 Contract Forms AOR411, AOR411 LIO7 (06/17); LibertyMark 7 Plus, SE 7 Plus Contract Forms AOR411, AOR411 LIO7+ (06/17); LibertyMark 10 LT, SE 10 LT Contract Forms AOR411, AOR411 LIO10 (06/17), AOR411 CARA; LibertyMark 10 LT Plus, SE 10 LT Plus Contract Forms AOR411, AOR411LM10+, AOR411 CARA. IN WASHINGTON—LibertyMark 10 LT, SE 10 LT Contract Series AWA411LIO10419; LibertyMark 10 LT Plus, SE 10 LT Plus Contract Series AWA411LM10B419.

ClassicMark 10 Contract Series 411, 4190, 4204; ClassicMark 10 Plus Contract Series 411, 4179, 4190, 4204; ClassicMark 10 LT Contract Forms ICC19 411 LG10, ICC19 4204; ClassicMark 10 LT Plus Contract Forms ICC19 411 LG10+, ICC19 4204. Heritage Maximizersm Enhanced Death Benefit Rider Series 2181. IN IDAHO—ClassicMark 10 (issue ages 0–85) Contract Forms AID411, AAA411 LG10, AAA4204, AAA4190, AAA2181; ClassicMark 10 (issue ages 86–90) Contract Forms AID411 86+, AAA4204, AAA4190; ClassicMark 10 Plus Contract Forms AID411, AAA411 LG10+, AAA4204, AAA4190, AAA4179, AAA2181. IN MISSOURI—ClassicMark 10 (issue ages 0–85) Contract Series AMOLG10419; ClassicMark 10 (issue ages 86–90) Contract Series AMOLG86+419; ClassicMark 10 Plus Contract Series AMOLG10+419. IN NEW MEXICO—ClassicMark 10 (issue ages 0–85) Contract Series ANM411LG1019; ClassicMark 10 (issue ages 86–90) Contract Series ANM41186+19; ClassicMark 10 Plus Contract Series ANM411LG10+19. IN OREGON AND WASHINGTON—ClassicMark 10 LT Contract Series ICC19 411 LG10, ICC19 4204; ClassicMark 10 LT Plus Contract Series ICC19 411 LG10+, ICC19 4204.

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 are designed and exclusively marketed by Legacy Marketing Group, an independent, authorized agency of Americo. 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. On FutureMark, the Optimizer Fee of 1.00%, and on LibertyMark, 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. LibertyMark and ClassicMark are registered trademarks, and FutureMark, BeneBooster, and Heritage Maximizer are service marks, of Legacy Marketing Group.

This product does not directly participate in any stock or equity investments. Refer to your Benefits Summary & Disclosure Statement, as well as your contract, for the governing contractual provisions.

Contract guarantees and benefits are based solely on the claims-paying ability of the issuing insurance company. No agent, agency, or entity makes any representation or guarantee regarding the issuer’s claims-paying ability.

In approved states, FlexMark Select Index Annuities (Form 2705 with 2705-SCH or 2705-SCH-L), IncomeMark Select Index Annuities (Form 2705 with 2705-B-IMS-SCH or 2705-L-IMS-SCH) and riders are issued by Ameritas Life Insurance Corp. (Ameritas). Ameritas and Legacy Marketing Group are separate, independent entities. Policies, index strategies, and riders may vary and may not be available in all states. Optional riders may have limitations, restrictions, and additional charges. Guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. Unless otherwise specified, any person or entity referenced herein is not an affiliate of Ameritas or any of its affiliates.

FlexMark Select and IncomeMark Select Index Annuities are single premium deferred annuities that offer a fixed interest option and index interest options. Annuities with an index option may be referred to as equity index annuities. The index options are not securities; your clients are not investing in stocks or in the indexes themselves. Therefore credited interest does not include dividends paid by companies included in the relevant index. The credited interest is linked, in part, to gains in any combination of indexes. Keep in mind, your clients are not actually participating in the market or investing in any stock or bond. Past performance is not an indication of future results.

Withdrawals may be taxable and, if taken prior to age 59½, a 10% penalty tax may also apply. The information presented here is not intended as tax or other legal advice. For application of this information to your specific situation, you should consult an attorney.

This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to: Ameritas Life Insurance Corp., 5900 O Street, Lincoln, Nebraska 68510, and Ameritas Life Insurance Corp. of New York (licensed in New York), 1350 Broadway, Suite 2201, New York, New York 10018. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.

Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. FlexMark Select is a registered service mark, and IncomeMark Select and MyGrowth Income Rider are service marks, of Legacy Marketing Group.

* Rating for Americo Financial Life and Annuity Insurance Company (Americo), September 2018. Americo Financial Life and Annuity Insurance Company has a financial strength rating of A (Excellent, 3rd out of 15 rating categories). A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile. A.M. Best uses a scale of 15 ratings, ranging from “A++” to “F.”
** May not be available in all states.
A (Excellent) for insurer financial strength. This is the third highest of A.M. Best’s 13 ratings. Rating as of 3/28/19. Ameritas Mutual Holding Company’s ratings include Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York.
†† Included for a current annual charge of 1.05% for the MyGrowth Income Ridersm With Booster (not available in all states).

No bank guarantee. • Not FDIC/NCUA/NCUSIF insured. • May lose value if surrendered early.

This document is not a legal contract. For the exact terms and conditions, please refer to the contract.

20-600-1 (04/20)
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