Americo (Legacy)
Libertymark Freedom 7
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
7 years
Top yield
0.69%
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 | 4.00% | — | — | 0.69% |
| 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee | Point to Point | — | — | 281.00% | 0.13% |
| 1-Yr S&P 500 IQ Index Point to Point Participation with Fee | Point to Point | — | — | 82.00% | 0.13% |
| 1-Yr S&P 500 IQ Index Point to Point Participation with Fee | Point to Point | — | — | 82.00% | 0.13% |
| 1-Yr S&P 500 IQ Index Point to Point with Cap | Point to Point | — | 11.85% | — | 0.13% |
| 1-Yr S&P 500 IQ Index Point to Point with Cap | Point to Point | — | 11.85% | — | 0.13% |
| 1-Yr S&P 500 IQ Index Point to Point with Participation | Point to Point | — | — | 66.00% | 0.13% |
| 1-Yr S&P 500 IQ Index Point to Point with Participation | Point to Point | — | — | 66.00% | 0.13% |
| 1-Yr S&P 500 PTP w/Cap | Point to Point | — | 7.95% | — | 0.13% |
| 1-Yr S&P 500 PTP w/Cap | Point to Point | — | 7.95% | — | 0.13% |
| 1-Yr S&P 500 PTP w/Cap with Fee | Point to Point | — | 10.30% | — | 0.13% |
| 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par | Point to Point | — | — | 165.00% | 0.13% |
| 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par | Point to Point | — | — | 165.00% | 0.13% |
| 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee | Point to Point | — | — | 204.00% | 0.13% |
| 1-Yr SG Laser Index PTP w/ Par | Point to Point | — | — | 163.00% | 0.13% |
| 1-Yr SG Laser Index PTP w/ Par | Point to Point | — | — | 163.00% | 0.13% |
| 1-Yr SG Laser Index PTP w/ Par with Fee | Point to Point | — | — | 203.00% | 0.13% |
| 2-Yr S&P 500 PTP w/Par | Point to Point | — | — | 61.00% | 0.13% |
| 2-Yr S&P 500 PTP w/Par | Point to Point | — | — | 61.00% | 0.13% |
| 2-Yr S&P 500 PTP w/Par with Fee | Point to Point | — | — | 77.00% | 0.13% |
| 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par | Point to Point | — | — | 226.00% | 0.13% |
| 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par | Point to Point | — | — | 226.00% | 0.13% |
| 2-Yr SG Laser Index PTP w/ Par | Point to Point | — | — | 224.00% | 0.13% |
| 2-Yr SG Laser Index PTP w/ Par | Point to Point | — | — | 224.00% | 0.13% |
| 2-Yr SG Laser Index PTP w/ Par with Fee | Point to Point | — | — | 280.00% | 0.13% |
| 1-Yr S&P 500 IQ Index Point to Point with Cap with Fee | Point to Point | — | 18.50% | — | — |
| 1-Yr S&P 500 IQ Index Point to Point with Cap with Fee | Point to Point | — | 18.50% | — | — |
| 1-Yr S&P 500 IQ Index Point to Point with Cap with Fee | Point to Point | — | 18.50% | — | — |
Surrender Schedule
Yr 1
9%
Yr 2
8.5%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
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
- 50 states
Income Riders
Heritage Maximizer
Roll-up: Interest Only with 1.00% bump up
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.