With Heritage Maximizer, clients can boost their death benefit 30% without underwriting.
Rate Change Notification
Rates are increasing,
effective 3/22/2022,
on Legacy exclusive products!
Quick References
20-600-50 (03/22)
It’s possible with Heritage Maximizersm!* This optional enhanced death benefit rider, available with LibertyMark non-bonus FIAs for an annual fee of 0.30%, provides a death benefit that’s 30% greater than the annuity’s entire accumulation value. Benefits are available three years after the rider effective date.
Death Benefit Example: Assume $100,000
premium has grown to $175,000 at death.
$175,000 X 130% = $227,500
That’s an additional $52,500
of death benefit!
No complicated formula needed to
determine the death benefit.
Death benefit is based on
ENTIRE accumulation value, not just growth.
Not tax-free but can help offset taxes.
Plus, clients enjoy these great LibertyMark benefits:
Nine interest crediting strategy choices for strong accumulation potential.
Backing of an “A” (Excellent) rated carrier.**
Minimum guarantee of 1.00% on 100% of premium, less surrender charges and partial surrenders.
Click here to calculate the Heritage Maximizer benefit for
your client!
To learn more, call the Legacy Marketing Group® Sales Team,
800-395-1053, Ext. 4002, or your IMO.

LibertyMark Heritage Maximizer enhanced death benefit rider (Rider Series 2181). LibertyMark 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4190/4196/4205). 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. 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. Legacy Marketing Group and any licensed insurance agent/agency shown on this ad are independent, authorized agents/agencies of Americo. 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 is a registered service mark, and Heritage Maximizer is a service mark, of Legacy Marketing Group.
Heritage Maximizer is not life insurance. Benefits are taxable as income.
* Available to issue ages 0–75. Additional restrictions apply. Not available in all states. See State Approval Matrix.
** Rating for Americo Financial Life and Annuity Insurance Company (Americo), October 2021. 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.”
Available upon death, surrender, or annuitization, less any withdrawals, surrender charges, and applicable premium tax. Rate on contracts issued in 2022.
14-735-1 (03/22)