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Strengthen your client’s growth potential with new interest
crediting strategies on
ClassicMark® and LibertyMark®
Series fixed indexed annuities from “A” rated** Americo
Financial Life and Annuity Insurance Company.
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For more information, call the Legacy Marketing
Group®
Sales Team at 800-395-1053, Ext. 4002,
or contact your IMO.
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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). 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 LibertyMark and LibertyMark SE, 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 and LibertyMark are
registered service marks of Legacy Marketing Group.
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All references to LBMA Gold Price are used with the permission of ICE Benchmark Administration Limited and have been
provided for informational purposes only.
ICE Benchmark Administration Limited accepts no liability or responsibility for the
accuracy of the prices or the underlying product to which the prices may be referenced. LBMA Gold Price is a trade mark
of Precious Metal Prices Limited.
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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
https://www.sg-columbia-index.com.
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*
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Hypothetical example assumes 177% participation rate on LibertyMark SE 10 or SE 10 LT,
net of 1.75% Liberty Optimizer Fee.
Rate effective February 16, 2021, and subject to change.
Example further assumes a new
contract is issued for $100,000 at the start of each 10-year
calendar period over the past 20 years and held for 10
years with 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.
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.
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**
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Rating for Americo Financial Life and Annuity Insurance Company (Americo), September 2020.
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.”
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†
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Rates effective February 16, 2021, and subject to change.
Rate shown applies to LibertyMark SE 10 or SE 10 LT.
For rates on other products, see the current
Quick References.
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AF1524v0221
20-629-1 (02/21) |
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FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
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