Accelerate your client’s accumulation advantage with Americo’s for-fee FIAs.
Dial in Growth Opportunity
Accelerate your client’s accumulation advantage with for-fee fixed indexed annuities. By choosing a fee product with higher rates, clients receive a stronger net earnings opportunity than is available without a fee. Let’s compare!
Same strategy. Different results.
Two-Year SG Columbia Adaptive Risk Allocation Index Point-to-Point
Whether clients are comfortable paying a fee or not, they have a powerful accumulation opportunity with Legacy’s suite of FIAs from Americo Financial Life and Annuity Insurance Company.
Plus, a 1% on 100% minimum guarantee** offers clients some of the strongest downside protection around.
Learn more! Call the Legacy Marketing Group®
Sales Team at 800-395-1053, Ext. 4002, or your IMO.
ClassicMark 10 Contract Series 411, 4190, 4204; ClassicMark 10 Plus Contract Series 411, 4179, 4190, 4204; ClassicMark 10 LT Contract Forms ICC20 411 LG10, ICC19 4204; ClassicMark 10 LT Plus Contract Forms ICC20 411 LG10+, ICC19 4204; FutureMark 10, 10 LT (Contract Series 416/4416); LibertyMark 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4190/4196/4205); LibertyMark 7 Plus, SE 7 Plus (Contract Series 411/4190/4191/4196/4205); and LibertyMark 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus (Contract Series 411/4179/4190/4196/4205). 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. 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 of Legacy Marketing Group.
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
* Hypothetical examples are based on illustrated performance on 10-year, no-bonus products for the last 10 calendar years (1/1/2011–12/31/2020). Examples assume a new contract is issued for $100,000 and held for 10 years with no withdrawals. Rates effective January 29, 2022, and subject to change. Participation rate may be higher or lower, but the participation rate is guaranteed never to be less than 5% (may vary by state). Where applicable, the 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. Results prior to the Index’s actual existence on September 7, 2018, 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.
** Available upon death, surrender, or annuitization, less any withdrawals, surrender charges, and applicable premium tax. Rate for contracts issued in 2022.
20-617-1 (01/22)