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Together, Legacy and Americo have a
strong history of creating innovative indexed options
built to perform for accumulation-hungry clients.
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SEPTEMBER 2023
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The landmark
S&P 500® IQ Index*
is introduced,
paving an intelligent path to the 500™ for
LibertyMark Freedom®,
Growth Commander®,
and ClassicMark®
FIAs through its innovative
intraday technology.
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One-year cap up to 15.45%.**
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FEBRUARY 2022
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Growth Commander, the accumulation-focused limited
distribution FIA, launches, featuring four index
options with
participation rates that are guaranteed
for the length of the six- or 10-year surrender period.
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Par. rates up to 310%.†
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JUNE 2019
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The game-changing
FUSION
Strategysm††
comes to
ClassicMark FIAs, fusing the opportunity of a fixed rate on
gain (FROG) for each of the first four years with uncapped
participation in five years of index increases.
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Up to 6% FROG plus five-year
par. rate up to 135%.§
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Run an illustration—
see the difference innovation can make!
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For details,
call the Legacy Marketing Group®
Marketing Field Support Team,
800‑395‑1053, Ext. 4002, or your IMO.
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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.
Growth Commander Forms:
Series 319, 4204, 4139, 2508. AAA319-6 (12/22), AAA319-6 DP (06/23), AAA319-10 (12/22), AAA319-10
DP (06/23); ICC22 319-6, ICC23 319-6 DP, ICC22 319-10, ICC23 319-10 DP, AAA4204, AAA4139 (05/06), AAA2508 PTPP (02/22), AAA2508 PTPP WF
(02/22), AAA2508 PTPC (02/22), AAA2508 PTPC WF (02/22), AAA2508 PTPPG (02/22), AAA2508 PTPPG WF (02/22); ICC19 4204, ICC22 2508 PTPP,
ICC22 2508 PTPP WF, ICC22 2508 PTPC, ICC22 2508 PTPC WF, ICC22 2508 PTPPG, ICC22 2508 PTPPG WF.
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.
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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. 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, Growth Commander, and LibertyMark Freedom are registered service marks, and FUSION Strategy is a service mark, of
Legacy Marketing Group.
Legacy Marketing Group and any licensed insurance agent/agency shown on this ad are independent,
authorized agents/agencies of Americo.
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The “S&P 500®”
and “S&P 500 IQ 0.5% Decrement Index” (“S&P 500 IQ Index” or the “Index”) are products of S&P
Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Americo Financial Life and Annuity Insurance Company.
S&P®,
S&P 500®,
US 500, The 500, iBoxx®,
iTraxx® and
CDX®
are trademarks of S&P Global, Inc. or its affiliates (“S&P”);
Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Americo’s Fixed Indexed Annuities are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® and S&P 500 IQ Index.
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Any annuity product that is linked to the performance of the Index is not sponsored, endorsed, sold or promoted by
Morgan Stanley & Co. LLC, or
any of its affiliates (collectively, “Morgan Stanley”).
Neither Morgan Stanley nor any other party (including without limitation any calculation agents
or data providers) makes any representation or warranty, express or implied,
regarding the advisability of purchasing this product. In no event shall
Morgan Stanley have any liability for any special, punitive, indirect
or consequential damages including lost profits,
even if notified of the possibility
of such damages. The Index is the exclusive property of Morgan Stanley.
Morgan Stanley and the Index are service marks of Morgan Stanley and
have been licensed for use for certain purposes. Neither Morgan Stanley nor any other party has or will have any obligation or liability to owners
of this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other party guarantees the
accuracy and/or the completeness of the Index or any data included therein. Morgan Stanley includes an index deduction mechanism that scales
upward based on positive recent performance of the Index, up to a maximum of 0.15% per business day or up to approximately 37.8% per year.
Such deduction is included in calculating the level of the Index and will thus reduce the return of the Index. The excess return calculation applied
by Morgan Stanley as part of the Index’s methodology will also
decrease the Index’s performance and thus reduce the return of any product linked
directly to the Index.
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The
SG Columbia Adaptive Risk Allocation Index
(“Index”)
is the exclusive property of SG Americas Securities, LLC (together with its affiliates, “SG”).
SG has contracted with Solactive AG to maintain and calculate the Index. “SG Americas Securities, LLC”,
“SGAS”, “Société Générale”, “SG”, “SG Columbia
Adaptive Risk Allocation Index”, et al. (collectively, the “SG Marks”)
are trademarks or service marks of SG. SG has licensed use of the Index and the
SG Marks to Americo Financial Life and Annuity Insurance Company (“Americo”)
for use in fixed indexed annuities. SG has licensed use of certain
marks from Columbia Management Investment Advisers, LLC or its affiliates
(collectively, “Columbia Management”) and sub-licensed use to Americo.
Neither SG, Solactive AG, Columbia Management nor any other third-party
licensor has been authorized to act as an agent of Americo or has in any
way sponsored, endorsed, sold, promoted, structured or priced any fixed indexed annuity or
provided investment advice to Americo. Such parties
make no representation regarding the advisability of purchasing, selling, or holding
product linked to the Index, including Fixed Indexed Annuity, and
shall not be liable for any related loss or payment thereof.
Obligations to make payments under the fixed indexed annuities are solely the obligation of
Americo. Neither Americo nor SG are obligated to invest annuity payments in the components of the Index.
The Index levels are net of a 0.50% annual
maintenance fee, calculated and deducted daily.
The Index also deducts fees to cover rebalancing, replication, and other costs. The total amount of
these fees is unpredictable and depends on a number of factors.
These fees and costs, which are increased by the Index’s leverage, will reduce the
potential positive change in the Index and increase the potential negative change in the Index.
While the volatility control applied by the Index may
result in less fluctuation in rates of return as compared to
indices without volatility controls, it may also reduce the overall rate of return as compared
to products not subject to volatility controls.
Columbia Threadneedle Investments is the global brand name of the Columbia and Threadneedle group of
companies. Additional information is available at
https://www.sg-columbia-index.com.
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Also known as the S&P 500 IQ 0.5% Decrement Index.
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On LibertyMark 10 and 10 LT. Rate effective April 1, 2024, and subject to change.
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On Growth Commander 10 Two-Year Morgan Stanley Enhanced Allocation Index Point-to-Point With Participation Rate, with 1.50% fee. Rate
effective April 1, 2024, and subject to change.
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The FUSION Strategy is also known as the SG Columbia Adaptive Risk Allocation Index Point-to-Point (Without Cap) With Amount on Gain.
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On ClassicMark 10 and 10 LT. Rates effective April 1, 2024, and subject to change.
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AF1658v0424
22-836-1 (04/24) |
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FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
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