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October 17, 2025
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LibertyMark Freedom® Enhancements Coming Soon!
Bonus Versions and Heritage
Maximizersm Closing to New Sales
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Get ready for some exciting enhancements to LibertyMark Freedom Series fixed indexed annuities—arriving November 3, 2025!*
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New, reduced cost for buy-up index options—only 1% (previously 1.75% on 10-year products and 1.50% on the 7-year product)!
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New buy-up index option: One-Year S&P 500®
IQ Index** PTP With Cap.
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New optional enhanced death benefit rider with lump-sum payout equal to 220% of the initial premium after Year 15—available up to age 75 for only 15 bps!†
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To make way for these enhancements,
LibertyMark Freedom 10 Plus and 10 LT Plus and the Heritage Maximizer enhanced death benefit rider will close to new sales.
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For clients looking for a premium bonus to help jump-start earnings or offset prior market losses,
look to the NEW OptiMarksm
FIA from Americo Financial Life and Annuity Insurance Company.
OptiMark features a 12% upfront premium bonus (10% in LT states),
included at no additional cost,
along with first-year liquidity and all-weather index options offering growth in bull, bear, or flat markets.
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| IMPORTANT DEADLINE: |
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To sell the LibertyMark Freedom bonus products or Heritage Maximizer, applications must be received by Americo’s administrative office by
5 p.m., CDT, on or before Friday, October 31, 2025.
Submit applications via:
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FireLight
e-app platform (preferred method): Access through the
LegacyNet
Point-of-Sale Materials page.
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Regular mail: Americo, PO Box 410288, Kansas City, MO 64141-0288.
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Overnight delivery: Americo, 300 W. 11th Street, Kansas City, MO 64105-1618.
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Fax: 800-395-9261.
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Email: submit@americo.com.
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The enhanced LibertyMark Freedom will be available exclusively through the FireLight® e-app platform.
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| GET READY TO SELL |
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| For sales tips and more information, call the
Legacy Marketing Group®
Marketing Field Support Team at 800-395-1053, Ext. 4002.
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| We appreciate your business! |
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LibertyMark Freedom Forms:
Series 321-7 (12/22), 321-10 (12/22), 321-10B (12/22), 2509, 2181. AAA321-7 (12/22),
AAA321-10 (12/22); AAA321-10 DP (06/23), AAA321-10B (12/22), AAA321-10B DP (06/23), AAA2509 PTPP (02/22),
AAA2509 PTPP WF (02/22), AAA2509 PTPC (02/22), AAA2509 PTPC WF (02/22), AAA2181; ICC22 321-7, ICC22 321-10,
ICC22 321-10B (12/22), ICC22 2509 PTPP, ICC22 2509 PTPP WF, ICC22 2509 PTPC, ICC22 2509 PTPC WF.
OptiMark Forms:
Series 424, 424 DP, 2533, 2533 DP, 2543, 2543 DP, 4204, 2537, 2537 DP, 2509 PTPP (04/24), 2509 PTPC (04/24), 2509 PTP DROG,
2509 PTPIC, AAA424, AAA424 DP, AAA2533, AAA2533 DP, AAA2543, AAA2543 DP, AAA4204, AAA2537, AAA2537 DP, AAA2509 PTPP (04/24),
AAA2509 PTPC (04/24), AAA2509 PTP DROG, AAA2509 PTPIC; ICC25 424, ICC25 424 DP, ICC24 2533, ICC24 2533 DP, ICC25 2543,
ICC25 2543 DP, ICC19 4204, ICC24 2537, ICC24 2537 DP, ICC24 2509 PTPP, ICC24 2509 PTPC, ICC25 2509 PTP DROG, ICC25 2509 PTPIC.
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 and OptiMark are service marks,
of Legacy Marketing Group.
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The
“S&P 500®”
and
“S&P 500 IQ 0.5% Decrement Index” (“S&P 500 IQ Index” or the “Index”)
are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”)
and have been licensed for use by Americo Financial Life and Annuity Insurance Company.
S&P®,
S&P 500®,
US 500, The 500,
iBoxx®,
iTraxx®
and CDX®
are trademarks of S&P Global, Inc. or its affiliates (“S&P”);
Dow Jones®
is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”).
Americo’s Fixed Indexed Annuities are 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(s) nor do they have any liability for any errors,
omissions, or interruptions of the S&P 500®
and S&P 500 IQ Index.
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May not be available in all states. |
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Also known as the S&P 500 IQ 0.5% Decrement Index. |
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The enhanced death benefit rider is available for a 0.15% annual charge to issue ages 0–75. Not available in CA. |
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AF1779v1025
22-800-82 (10/25) |
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FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
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