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 AM Best Company,* Americo adheres to the strictest of financial guidelines so it can be trusted with your client’s hard-earned money.

Carrier and Product Disclosures

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 MISSOURI—ClassicMark 10 (issue ages 0–85) Contract Form AMOLG10419; ClassicMark 10 (issue ages 86–90) Contract Form AMOLG86+419; ClassicMark 10 Plus Contract Form AMOLG10+419. IN NEW MEXICO—ClassicMark 10 (issue ages 0–85) Contract Form ANM411LG1019; ClassicMark 10 (issue ages 86–90) Contract Form ANM41186+19; ClassicMark 10 Plus Contract Form ANM411LG10+19. IN IDAHO, OREGON, AND WASHINGTON—ClassicMark 10 LT Contract Forms ICC19 411 LG10, ICC19 4204; ClassicMark 10 LT Plus Contract Forms ICC19 411 LG10+, ICC19 4204.

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

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. Certain restrictions and variations apply. Consult contract and riders for all limitations and exclusions. Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY. Some products and benefits may not be available in all states. 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. ClassicMark, FutureMark, and LibertyMark are registered service marks, and BeneBooster and Heritage Maximizer are service marks, of Legacy Marketing Group.

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.

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.

Neither Americo Financial Life and Annuity Insurance Company nor any agent representing Americo Financial Life and Annuity Insurance Company is authorized to give legal or tax advice. Please consult a qualified professional regarding the information and concepts contained in this material.

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

* Rating for Americo Financial Life and Annuity Insurance Company (Americo), September 2019. Americo Financial Life and Annuity Insurance Company has a financial strength rating of A (Excellent, 3rd out of 15 rating categories). AM Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile. AM Best uses a scale of 15 ratings, ranging from “A++” to “F.”
** May not be available in all states.

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

20-600-33 (11/20)
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Carrier and Product Disclosures

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). IN OREGON—FlexMark Select Policy Forms ICC16 2705 11-16 with ICC17 2705-SCH 3-17 and Rider Forms ICC16 PPIR 11-16, ICC16 MVAR 11-16, ICC17 GLWB-B 3-17, ICC17 GLWB-T 3-17, ICC17 GLWB-IB 3-17, ICC16 PBR 11-16, ICC16 FWR 11-16, ICC16 EFWR 11-16, ICC16 WSC-CR 11-16, ICC16 WSC-TIR 11-16, ICC16 WSC-HHC 11-16; IncomeMark Select Policy Forms ICC16 2705 11-16 with ICC19 2705-L-IMS-SCH 8-19 and Rider Forms ICC16 PPIR 11-16, ICC16 MVAR 11-16, ICC19 GLWB-IR 8-19, ICC19 GLWB-IRB 8-19, ICC16 FWR 11-16, ICC16 WSC-CR 11-16, ICC16 WSC-TIR 11-16, ICC16 WSC-HHC 11-16. Products are designed in conjunction with Ameritas and exclusively marketed by Legacy Marketing Group. 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; you 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, you 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 and IncomeMark Select are registered service marks, and MyGrowth Income Rider is a service mark, of Legacy Marketing Group.

Not a deposit. • May go down in value. • Not insured by FDIC or any federal government agency. • Not guaranteed by any bank or savings associations.

* A (Excellent) for insurer financial strength. This is the third highest of AM Best’s 13 ratings. Rating as of 4/2/2020. 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).
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Carrier and Product Disclosures

Integrity Life Insurance Company (NAIC code 74780), Cincinnati, Ohio, operates in DC and all states except NY.

* Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009).
** A composite of all the ratings a company has received from the major rating agencies. It ranks insurers on a scale of 1 to 100 where 1 is the lowest) in an effort to reduce confusion over ratings because each rating agency uses a different scale.
Ratings are correct as of , and are subject to change. Ratings refer to the claims-paying ability of the insurance company and do not reflect the performance or safety of any investment product. The rating agencies above are independent of each other and use proprietary evaluation criteria and rating scales.
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