Americo (Legacy)
Libertymark Freedom 10
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
0.55%
A.M. Best
A
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Declaired Interest Rate | Fixed | 4.25% | — | — | 0.55% |
| 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee | Point to Point | — | — | 291.00% | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point Participation with Fee | Point to Point | — | — | 84.00% | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point with Cap | Point to Point | — | 12.55% | — | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point with Cap | Point to Point | — | 12.55% | — | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point with Participation | Point to Point | — | — | 68.00% | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point with Participation | Point to Point | — | — | 68.00% | 0.14% |
| 1-Yr S&P 500 PTP w/Cap | Point to Point | — | 8.00% | — | 0.14% |
| 1-Yr S&P 500 PTP w/Cap | Point to Point | — | 8.00% | — | 0.14% |
| 1-Yr S&P 500 PTP w/Cap with Fee | Point to Point | — | 10.35% | — | 0.14% |
| 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par | Point to Point | — | — | 172.00% | 0.14% |
| 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par | Point to Point | — | — | 172.00% | 0.14% |
| 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee | Point to Point | — | — | 212.00% | 0.14% |
| 1-Yr SG Laser Index PTP w/ Par | Point to Point | — | — | 169.00% | 0.14% |
| 1-Yr SG Laser Index PTP w/ Par | Point to Point | — | — | 169.00% | 0.14% |
| 1-Yr SG Laser Index PTP w/ Par with Fee | Point to Point | — | — | 209.00% | 0.14% |
| 2-Yr S&P 500 PTP w/Par | Point to Point | — | — | 64.00% | 0.14% |
| 2-Yr S&P 500 PTP w/Par | Point to Point | — | — | 64.00% | 0.14% |
| 2-Yr S&P 500 PTP w/Par with Fee | Point to Point | — | — | 79.00% | 0.14% |
| 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par | Point to Point | — | — | 237.00% | 0.14% |
| 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par | Point to Point | — | — | 237.00% | 0.14% |
| 2-Yr SG Laser Index PTP w/ Par | Point to Point | — | — | 232.00% | 0.14% |
| 2-Yr SG Laser Index PTP w/ Par | Point to Point | — | — | 232.00% | 0.14% |
| 2-Yr SG Laser Index PTP w/ Par with Fee | Point to Point | — | — | 287.00% | 0.14% |
| 1-Yr S&P 500 IQ Index Point to Point with Cap with Fee | Point to Point | — | 19.90% | — | — |
| 1-Yr S&P 500 IQ Index Point to Point with Cap with Fee | Point to Point | — | 19.90% | — | — |
| 1-Yr S&P 500 IQ Index Point to Point with Cap with Fee | Point to Point | — | 19.90% | — | — |
Surrender Schedule
Yr 1
12%
Yr 2
11.5%
Yr 3
11%
Yr 4
10.5%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
5%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- Interest Only
- Market value adjustment
- false
- Return of premium
- false
- States available
- 48 states
Income Riders
LibertyMark EDB
Roll-up: 8.00%
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.