LibertyMark Freedom 10
Americo
10.55%
Best Cap
10%
Free W/D
27
States
A fixed indexed annuity that grows your retirement savings based on market performance while protecting your principal from losses. Ideal for conservative investors seeking market upside with downside protection.
Free Withdrawal
10%/yr
Available In
27 states
Min Premium
$10,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| SG Columbia Adaptive Risk Allocation Index | 2-Year | -- | 291% | -- |
| SG Columbia Adaptive Risk Allocation Index | Annual | -- | 172% | -- |
| SG Lead Asset Select Exposure Rotation Index | 2-Year | -- | 232% | -- |
| SG Lead Asset Select Exposure Rotation Index | Annual | -- | 169% | -- |
| S&P 500 Index | 2-Year | -- | 85% | -- |
| S&P 500 Index | Annual | 10.55% | 100% | -- |
| S&P 500 IQ 0.5% Decrement Index | Annual | 21.65% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.25% |
Key Features
Principal Protection
0% floorYour money is protected from market losses with 0% minimum interest credit
Guaranteed Minimum Return
1-3% annuallyGuaranteed to receive between 1% and 3% on your entire premium regardless of market conditions
Free Withdrawals
10% annuallyWithdraw up to 10% of your account value each year without penalties
Surrender Period Options
7 or 10 yearsChoose between 7-year or 10-year surrender charge periods
Nursing Home Waiver
100% accessAccess 100% of funds penalty-free after 90+ days of nursing home confinement
Liberty Optimizer Fee
1.00% - 1.75%Administrative fee for enhanced features and strategies
True Up Benefit
Year 5 protectionProtects premium from fee erosion by crediting back excess fees after Year 5
Highlights
Protects your principal from market losses while allowing participation in market gains through indexed strategies
Offers 10% penalty-free withdrawals annually after the first year for liquidity needs
Includes nursing home waiver allowing 100% withdrawal without penalties after 90+ days of confinement
Provides guaranteed minimum return of 1-3% regardless of market performance
Features True Up benefit that protects your premium from fee erosion after 5 years
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%
After
0%
Nursing home waiver
Best For
Conservative investors seeking retirement growth with principal protection and some liquidity access.
Consider Alternatives If
Investors seeking maximum growth potential or those who may need significant liquidity during the surrender period.
Carrier Ratings
Free Comparison Report
Get a personalized LibertyMark Freedom 10 illustration
See year-by-year projections for your specific age, premium, and income goals.