This Annuity Awareness Month, adapt to your clients’ unique needs with Legacy’s diverse selection of FIA products.
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This June, Legacy Marketing Group brings you insights, research, and more to boost your client conversations.
Adapting to Shifting Scenarios
According to Harvard Business Review,* adaptability is one of the best ways to stay relevant today:
“Rigid, one-size-fits-all products are unsustainable” in today’s “constantly changing, resource‑constrained environment.”*
At Legacy Marketing Group®, we agree. Our diverse selection of fixed indexed annuity (FIA) products lets Producers adapt to unique client needs—while keeping business streamlined and efficient. A one-stop shop, we offer solutions for clients’ critical concerns:
What if my health declines? More than half of all Americans will eventually need help with activities of daily living—and 60% of older adults won't be able to afford it.**
With income doublers based on 2 of 6 ADLs, these options can increase income to help cover care-related expenses:
FlexMark Select® MyFit Income Rider® With Booster from “A” rated†† Ameritas Life Insurance Corp.—competitive guaranteed income with seven- to 10-year deferral.
ApexAdvantage® FutureNow Ridersm With Booster§ from Ameritas—strong immediate guaranteed income in as soon as 30 days.
What if I didn't purchase an FIA when I was younger? Though some recommend buying annuities by age 75,ยงยง that's not always possible.
Issuing through age 90, these five-year options make longevity a non-issue.
JourneyMark® 5 from “A+” AM Best rated Integrity Life Insurance Company—NQ stretch and inherited IRAs accepted.
ClassicMark® from “A” rated‡‡ Americo Financial Life and Annuity Insurance Company, with no mandatory fees and first-year penalty-free liquidity.
How can I offset last year's losses in my retirement account? In 2022, the average retirement account value dwindled by 20%.**
This option may help offset your client’s market losses or jump-start earnings:
LibertyMark® Freedom 10 Plus or 10 LT Plus from Americo, with a 7% upfront bonus—fully credited day one, dollar one—and choice of strong index options, including one that provides dynamic exposure to the S&P 500®.
Ready to see how easy adaptability can be? Call Legacy’s Marketing Field Support Team at 8003951053, Ext. 4002.
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In approved states, FlexMark Select Index Annuities (Form 2705 with 2705-SCH or 2705-SCH-L) and ApexAdvantage Index Annuity (Form ICC22 2707 with ICC22 2707-SCH or 2707 with 2707-SCH) and riders are issued by Ameritas Life Insurance Corp. (Ameritas) located at 5900 O Street, Lincoln, NE 68510. Products are designed in conjunction with Ameritas and exclusively marketed by Legacy Marketing Group. Ameritas and Legacy Marketing Group are separate, independent entities. FlexMark Select and ApexAdvantage Index Annuities are single premium deferred annuities that offer a fixed interest option and index interest options. The index options are not securities. Keep in mind, your clients are not participating in the market or investing in any stock or bond. Policies, index strategies, and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions, and additional charges. Product guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. Refer to brochures for additional details. FlexMark Select, ApexAdvantage, and MyFit Income Rider are registered service marks, and FutureNow Rider is a service mark, of Legacy Marketing Group. Ameritas® is a registered service mark of Ameritas Life Insurance Corp.
ClassicMark Forms: Series 411, 4204, 2181. AAA411 LG10 (12/22), AAA411 LG10 DP (06/23), AAA411 LG86+ (12/22), AAA411 LG86+ DP (06/23), AAA411 LG10B (12/22), AAA411 LG10B DP (06/23), AAA4204, AAA2181; ICC22 411 LG10, ICC22 411 LG86+, ICC22 411 LG10B, ICC19 4204. 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. 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. ClassicMark and LibertyMark Freedom are registered service marks of Legacy Marketing Group.
JourneyMark is issued by Integrity Life Insurance Company, Cincinnati, OH, which operates in DC and all states except NY. W&S Financial Group Distributors, Inc. (doing business as W&S Financial Insurance Services in CA) is an affiliated life insurance agency of the issuer. All companies are members of Western & Southern Financial Group. For use with Modified Single Premium Deferred Annuity Contract With Indexed Interest Options and Market Value Adjustment Feature series ICC20 INT-17 2004. Product and feature availability, as well as benefit provisions, vary by state. JourneyMark products are designed and exclusively marketed by Legacy Marketing Group, an independent agency. JourneyMark is a registered service mark of Legacy Marketing Group. Issuer has sole financial responsibility for its products.
No bank guarantee. • Not a deposit. • May lose value. • Not FDIC/NCUA insured. • Not insured by any federal government agency.
Withdrawals may be subject to ordinary income tax, and a 10% IRS penalty may apply to withdrawals taken before age 59½.
* David Droga and Baiju Shah, “Keeping Up with Customers’ Increasingly Dynamic Needs,” Harvard Business Review, (September 27, 2022).
** Daniel de Visé, “Nearly half of baby boomers have no retirement savings,” yahoo!news, (May 8, 2023).
Available for a current annual charge of 1.15% for the MyFit Income Rider and 1.25% for the MyFit Income Rider With Booster (not available in CA). Income rider not available with certain tax-qualified plan types.
†† A (Excellent) for insurer financial strength. This is the third highest of AM Best’s 13 ratings. Rating as of 5/4/2023. Ameritas Mutual Holding Company’s ratings include Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York.
§ Available for a current annual charge of 1.25% for the FutureNow Rider and 1.35% for the FutureNow Rider With Booster, multiplied by the premium accumulation value during the accumulation phase and by the benefit base during the withdrawal phase.
§§ Richard Best, “What Is the Best Age to Buy an Annuity?,” Investopedia, (April 28, 2024).
AM Best—Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009). Integrity Life Insurance Company ratings are correct as of May 6, 2024, and are subject to change.
‡‡ Rating for Americo Financial Life and Annuity Insurance Company (Americo), October 2023. 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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