ClassicMark and LibertyMark Rate Changes Effective 7/29/2019
Keeping you in the know with information you can use.
July 22, 2019
ClassicMark® and LibertyMarksm Rate Changes Effective 7/29/2019
Effective July 29, 2019, rates on some ClassicMark® and LibertyMarksm interest crediting strategies are changing. The increased rates are shown below in green, decreased rates are shown below in red.
ClassicMark® and LibertyMarksm Rates Effective July 29, 2019
Strategy ClassicMark® LibertyMarksm LibertyMarksm SE
10 LT
10 Plus, 10 LT Plus 7 7 Plus 10,
10 LT
10 Plus, 10 LT Plus SE 7 SE 7
SE 10, SE 10 LT SE 10 Plus, SE 10 LT Plus
1-Yr. S&P 500® PTP w/ Cap 4.50% 3.50% 5.75% 5.25% 6.75% 4.75% 6.75% 6.25% 7.75% 5.75%
1-Yr. S&P 500® Monthly PTP w/ Cap 1.65% 1.40% 1.95% 1.90% 2.15% 1.75% 2.15% 2.05% 2.35% 1.95%
1-Yr. S&P 500® PTP Inversion w/ Cap 7.00% 5.00% 10.00% 9.00% 12.50% 7.75% 12.50% 11.00% 15.50% 10.00%
1-Yr. SG Columbia Adaptive Risk Allocation Index PTP w/ Par. Rate* 80% 60% N/A N/A 123% 86% N/A N/A 140% 105%
1-Yr. Morgan Stanley TEBI PTP w/ Par. Rate* 70% 55% 89% 84% 103% 74% 103% 97% 116% 89%
2-Yr. Morgan Stanley TEBI PTP w/ Par. Rate* 94% 74% 121% 114% 140% 101% 139% 131% 158% 120%
2-Yr. S&P 500® PTP w/ Par. Rate* 49% 38% 62% 58% 72% 52% 72% 68% 81% 62%
5-Yr. FUSION Strategysm**

Fixed Rate on Gain:
2% 2% N/A N/A 4% 3% N/A N/A 5% 4%
Participation Rate: 80% 40% N/A N/A 84% 50% N/A N/A 77% 46%
Declared Interest Account 2.10% 1.65% 2.70% 2.55% 3.20% 2.20% 3.20% 3.05% 3.70% 2.70%
Rate Lock:
A rate lock applies on each strategy for 45 days from the date the application is received. 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.
To receive the rate lock:
All applications and any applicable transfer paperwork must be received in good order by Americo’s administrative office by 5:00 p.m., Central time on Friday, July 26, 2019.
All premiums must be received by 5:00 p.m., Central time on Monday, September 9, 2019.
Submit applications on or before July 26, 2019, to:
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.
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
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); LibertyMarksm 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4196/4205); LibertyMarksm 7 Plus, SE 7 Plus (Contract Series 411/4191/4196/4205); LibertyMarksm 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus (Contract Series 411/4179/4196/4205). 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 LibertyMarksm and LibertyMarksm SE products, 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.
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, which may be as high as 0.75% due to the potential leverage of up to 150% in the Index, 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 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. Additional information is available at Columbia Threadneedle Investments is the global brand name of the Columbia and Threadneedle group of companies.
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 & 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. 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.
14-644-9 (07/19)