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A diverse range of interest crediting strategies with huge upside potential and layers of strong contractual guarantees ... need another reason to get excited about LibertyMarksm fixed indexed annuities? How about a proprietary index from Morgan Stanley that calculates an average annualized net return up to 8.12%* over the last 10 years!?
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With news that sounds too good to be true,
do you need to see it to believe it?
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For more information, call the Legacy Sales Team at 800-395-1053, Ext. 4002,
or visit www.legacynet.com
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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 411/4179/4184/4196/4205). 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.
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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.
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Please see the offering materials related to the fixed indexed annuity for additional details, including risks relating to an investment linked to the Morgan Stanley Target Equity Balanced Index. Those risks include, but are not limited to, those associated with the Index’s momentum investment strategy, the volatility target, and the embedded costs.
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Hypothetical example assumes 170% participation rate, net of 1.75% Liberty Optimizer Fee on LibertyMarksm SE 10. Rate effective January 29, 2019, and subject to change. Example further assumes a $100,000 starting value, no bonus, and no withdrawals. Participation rate may be higher or lower but is guaranteed never to be less than 5% (may vary by state). The Liberty Optimizer Fee applies at the end of each contract year, including the first. Keep in mind that past performance is no guarantee of future results. Any such example must not be regarded as guaranteed or as an estimate of future performance, unless it is based solely on the minimum guaranteed interest rates. Strategy not available in NH, NJ, and PA. Results prior to the Index’s actual existence on August 24, 2017, are simulated and based on back-testing. The results obtained from such back-testing should not be considered indicative of the actual results that might be obtained from an investment in the Index. The actual performance of the Index may vary significantly from these results obtained from back-testing.
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Available upon death, surrender, or annuitization, less any withdrawals, surrender charges, and applicable premium tax.
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| AF1273v0219_LMG |
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| 14-715-1 (02/19) |
FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
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