LibertyMark Freedom, Legacy’s newest FIA series from Americo, is now available in California and seven other states!
Need-to-know information critical to your business.
July 25, 2022
The Next Generation of Legacy’s Top-Selling FIA Now Available in Eight More States
LibertyMark® Freedom—Legacy’s newest fixed indexed annuity series from Americo Financial Life and Annuity Insurance Company (both the 10- and 7-year version) is now available in California, Iowa, Idaho, Illinois, Minnesota, New Jersey, Oregon, and Wyoming, giving clients the freedom to choose their earnings potential! In addition, the 10-year version of the product is now available in Indiana, Louisiana, Maryland, Montana, North Carolina, and Vermont.
  Ability to buy up caps and participation rates for greater earnings potential.
Accumulation free from mandatory fees … plus no MVA.
New proprietary Société Générale index option that offers diversification across U.S. markets and asset classes and dynamically adapts to changing markets.
Highly competitive uncapped par. rate S&P 500® index options.
Optional 30% death benefit bonus on full accumulation value.*
Industry-leading minimum guarantee of 1% on 100% of premium.**
“A” rated carrier.
And for you: 6.75% street-level commission!††
Take your product training today, so you can start selling LibertyMark Freedom. Not yet contracted with Americo? See LegacyNet® for your contracting paperwork.
For more information about LibertyMark Freedom, call the Legacy Marketing Group® Sales Team at 800-395-1053, Ext. 4002.
LibertyMark Freedom 7 Contract Forms ICC21 321-7, AAA321-7; LibertyMark Freedom 10, 10 LT Contract Forms ICC21 321-10, AAA321-10. LibertyMark Freedom Heritage Maximizersm enhanced death benefit rider (Rider Series 2181). 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. LibertyMark® Freedom is a registered service mark, and Heritage Maximizer is a service mark, of Legacy Marketing Group.
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 has 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 Lead Asset Select Exposure Rotation Index (“Index”) is the exclusive property of SG Americas Securities, LLC (together with its affiliates, “SG”). SG has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) (“S&P”) to maintain and calculate the Index. “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “Société Générale Indices”, “SGI”, and “Lead Asset Select Exposure Rotation Index” (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. Neither SG, S&P, 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. Additional information is available at
* Heritage Maximizer is available to ages 0–75 for a 0.30% annual charge. Benefits become available three years after the rider effective date. Additional restrictions apply. Not available in all states. See State Approval Matrix.
** Available upon death, surrender, or annuitization, less any withdrawals, surrender charges, and applicable premium tax. Rate on contracts issued in 2022.
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.”
†† Ages 0–70. See Compensation Schedule for details, including rates at older ages.
22-800-10 (07/22)