LibertyMark Freedom 7
Americo
10.5%
Best Cap
10%
Free W/D
47
States
LibertyMark is a fixed indexed annuity that lets you save for retirement with a lump-sum payment, offering guaranteed minimum returns plus growth tied to market index performance. It's designed for people who want retirement income protection without the risk of losing money in market downturns.
Free Withdrawal
10%/yr
Available In
47 states
Min Premium
$10,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| SG Columbia Adaptive Risk Allocation Index | 2-Year | -- | 281% | -- |
| SG Columbia Adaptive Risk Allocation Index | Annual | -- | 165% | -- |
| SG Lead Asset Select Exposure Rotation Index | 2-Year | -- | 224% | -- |
| SG Lead Asset Select Exposure Rotation Index | Annual | -- | 163% | -- |
| S&P 500 Index | 2-Year | -- | 83% | -- |
| S&P 500 Index | Annual | 10.5% | 100% | -- |
| S&P 500 IQ 0.5% Decrement Index | Annual | 19.95% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Guaranteed Minimum Value
1-3% guaranteed minimumYour money is protected with a minimum guarantee of 1-3% annual return on your entire premium, regardless of market performance
Indexed Interest Crediting
Varies by strategy selectedEarn returns based on the performance of market indices with some strategies offering uncapped upside potential and others using interest rate caps
Penalty-Free Withdrawals
10% annually, $500 minimumAccess up to 10% of your account value annually without surrender charges after the first contract year, with a $500 minimum withdrawal
Multiple Surrender Period Options
7 or 10 yearsChoose between 7-year or 10-year surrender periods, with bonus and non-bonus options available on 10-year products
Fixed Rate Strategy
Competitive fixed rate, 12-month termsA guaranteed fixed interest rate option for 12-month periods with daily crediting, ideal for those expecting to need withdrawals
Lifetime Income Options
Multiple payout options availableConvert your savings into regular monthly payments that can last your entire lifetime or be structured for your spouse
Death Benefit
Greater of accumulation or guaranteed valueYour beneficiaries receive the greater of your account value or guaranteed minimum value, bypassing probate
Confinement Waiver
100% penalty-free access upon confinementIf confined to a nursing home or hospital for 90+ consecutive days, withdraw 100% of your account value without surrender charges (available in most states)
Highlights
Protection from market losses with guaranteed minimum returns of 1-3% on your premium
Growth potential tied to market index performance without direct stock market exposure
Flexible access to your money with penalty-free withdrawals of up to 10% annually after year one
Multiple interest crediting strategies to match different market conditions and risk preferences
Tax-deferred growth with lifetime income options and strong death benefits for heirs
Surrender Schedule
Yr 1
9%
Yr 2
8.5%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
After
0%
Nursing home waiver
Best For
Retired or near-retirees who want to convert a lump sum into tax-deferred retirement savings with downside protection and the potential for market-linked growth.
Consider Alternatives If
People who need immediate access to all their money within the first several years, as early withdrawals beyond the 10% annual allowance trigger surrender charges.
Carrier Ratings
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