Americo FIA Rates Are Changing After 3/28/2020 ------------------------------------------------- ------------------------------------------------ ------------------------------------------------
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March 24, 2020
Americo FIA Rates Are Changing For Apps Received After 3/27/2020
Americo Financial Life and Annuity Insurance Company has announced that it will change rates on ClassicMark®, LibertyMark®, and FutureMarksm fixed indexed annuities, effective March 29, 2020. Decreased rates are shown below in red; increased rates are shown in green.
New ClassicMark and LibertyMark Rates, Effective March 29, 2020
Strategy ClassicMark LibertyMark LibertyMark SE
10,
10 LT
10 Plus, 10 LT Plus 7 7 Plus 10,
10 LT
10 Plus, 10 LT Plus SE 7 SE 7
Plus
SE 10, SE 10 LT SE 10 Plus, SE 10 LT Plus
1-Yr. S&P 500® PTP w/ Cap 2.30% 1.40% 3.50% 3.20% 4.40% 2.60% 4.40% 3.90% 5.30% 3.50%
1-Yr. S&P 500 Monthly PTP w/ Cap 1.40% 0.90% 1.75% 1.65% 2.00% 1.50% 2.00% 1.90% 2.30% 1.75%
1-Yr. S&P 500 PTP Inversion w/ Cap 2.65% 1.45% 4.40% 3.90% 5.70% 3.10% 5.65% 5.10% 7.00% 4.35%
1-Yr. SG Columbia Adaptive Risk Allocation Index PTP w/ Par. Rate* 45% 26% N/A N/A 87% 51% N/A N/A 105% 69%
1-Yr. Morgan Stanley TEBI PTP w/ Par. Rate* 42% 28% 61% 56% 75% 47% 75% 69% 88% 61%
2-Yr. Morgan Stanley TEBI PTP w/ Par. Rate* 57% 37% 82% 75% 100% 63% 100% 93% 118% 82%
2-Yr. S&P 500 PTP w/ Par. Rate* 35% 24% 49% 45% 60% 38% 58% 54% 68% 48%
5-Yr. FUSION Strategysm**

Fixed Rate on Gain:
1% 1% N/A N/A 2% 1% N/A N/A 3% 2%
Participation Rate: 57% 18% N/A N/A 100% 69% N/A N/A 93% 64%
Declared Interest Account 1.35% 1.00% 1.95% 1.80% 2.45% 1.45% 2.45% 2.30% 2.95% 1.95%
New FutureMark 10, 10 LT Rates, Effective March 29, 2020
Strategy Rate
1-Yr. S&P 500 PTP w/ Cap 3.40%
2-Yr. SG Columbia Adaptive Risk Allocation Index
PTP w/ Par. Rate*
91%
5-Yr. FUSION Strategy**  
Fixed Rate on Gain: 1%
Participation Rate: 100%
BuilderBlendsm 1
1-Yr. Morgan Stanley TEBI PTP w/ Par. Rate* 57%
5-Yr. FUSION Strategy**  
Fixed Rate on Gain: 1%
Participation Rate: 100%
BuilderBlend 2
1-Yr. S&P 500 PTP w/ Cap 3.40%
5-Yr. FUSION Strategy**  
Fixed Rate on Gain: 1%
Participation Rate: 100%
Declared Interest Account 1.90%
Rate Lock:
A rate lock applies on each strategy for 45 days from the date the application is received by Americo. On premium received within the 45-day period, clients will receive the greater of (1) the locked-in rate or (2) the rate in effect on the index date following the date premium is received. After 45 days, the rates in effect at the time premium is received will apply.
Deadlines:
To receive the rate lock:
All applications must be received by Americo’s administrative office by 5:00 p.m., Central time on Friday, March 27, 2020.
All premium must be received by 5:00 p.m., Central time on Monday, May 11, 2020.
Submit applications on or before March 27, 2020, via:
FireLight® e-app platform (preferred method): Access through the LegacyNet® Point-of-Sale Materials page.
Regular mail: Americo, P.O. Box 410288, Kansas City, MO 64141-0288.
Overnight delivery: Americo, 300 W. 11th Street, Kansas City, MO 64105-1618.
Fax: 800-395-9261.
E-mail: submit@americo.com.
If you would like us to review an application prior to submitting it to Americo, contact Legacy’s Customer Service and Suitability Help Desk at 800-395-1053, Ext. 5819. For sales ideas or more information, call 800-395-1053, Ext. 4002, or visit www.legacynet.com.
We appreciate your business!
ClassicMark 10, 10 LT (Contract Series 411/4190/4204); ClassicMark 10 Plus, 10 LT Plus (Contract Series 411/4179/4190/4204); 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); FutureMark 10, 10 LT (Contract Series 416/4416). 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 service marks, and FutureMark, FUSION Strategy, and BuilderBlend are service marks, of Legacy Marketing Group.
The S&P 500 Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and have been licensed for use by Americo Financial Life and Annuity Insurance Company (“Americo”). Standard & Poor’s®, S&P 500®, and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Americo. Americo’s Product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
The SG Columbia Adaptive Risk Allocation Index (“Index”) is the exclusive property of SG Americas Securities, LLC (together with its affiliates, “SG”). SG has contracted with Solactive AG to maintain and calculate the Index. “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “SG Columbia Adaptive Risk Allocation Index”, et al. (collectively, the “SG Marks”) are trademarks or service marks of SG. SG has licensed use of the Index and the SG Marks to Americo Financial Life and Annuity Insurance Company (“Americo”) for use in fixed indexed annuities. SG has licensed use of certain marks from Columbia Management Investment Advisers, LLC or its affiliates (collectively, “Columbia Management”) and sub-licensed use to Americo. Neither SG, Solactive AG, Columbia Management nor any other third-party licensor has been authorized to act as an agent of Americo or has in any way sponsored, endorsed, sold, promoted, structured or priced any fixed indexed annuity or provided investment advice to Americo. Such parties make no representation regarding the advisability of purchasing, selling, or holding product linked to the Index, including Fixed Indexed Annuity and shall not be liable for any related loss or payment thereof. Obligations to make payments under the fixed indexed annuities are solely the obligation of Americo. Neither Americo nor SG are obligated to invest annuity payments in the components of the Index. The Index levels are net of a 0.50% annual maintenance fee, calculated and deducted daily. The Index also deducts fees to cover rebalancing, replication, and other costs. The total amount of these fees is unpredictable and depends on a number of factors. These fees and costs, which are increased by the Index’s leverage, will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control applied by the Index may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls. Columbia Threadneedle Investments is the global brand name of the Columbia and Threadneedle group of companies. Additional information is available at www.sg-columbia-index.com.
This product is not sponsored, endorsed, sold or promoted by Morgan Stanley or any of its affiliates. Neither Morgan Stanley nor any other party (including, without limitation, any calculation agents or data providers) makes any representation or warranty, express or implied, regarding the advisability of purchasing this product. The Target Equity Balanced Index (the “Index”) is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are service marks of Morgan Stanley and have been licensed for use for certain purposes by Americo Financial Life and Annuity Insurance Company. Morgan Stanley will not have any obligation or liability to owners of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein. In addition, Morgan has no role, and makes no representation or warranty, with respect to the FUSION Strategy notwithstanding the fact that the product may be linked to the FUSION Strategy in addition to the Index. Morgan Stanley and its affiliates may engage in transactions involving components of the Index for their proprietary accounts and/or for accounts of their clients, which may affect the value of such components and the level of the Index.
* Not available in all states. Check current State Approval Matrix.
** Also known as the SG Columbia Adaptive Risk Allocation Index Point-to-Point (Without Cap) With Amount on Gain. Not available in all states.
AF1073v0320
14-644-9 (03/20)
  FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.