Legacy Update – Announcing NEW GREAT RATES!



Keeping you in the know with information you can use.
May 17, 2018
ClassicMarksm and LibertyMarksm Rate Changes Effective 5/22/2018
Effective May 22, 2018, rates on most ClassicMarksm and LibertyMarksm strategies are changing. Refer to the below table for new rates. Increased rates are shown in green. Decreased rates are shown in red.
ClassicMarksm and LibertyMarksm Rates Effective May 22, 2018
Strategy ClassicMarksm LibertyMarksm LibertyMarksm SE
10 LT
10 Plus, 10 LT Plus 7 7 Plus 10,
10 LT
10 Plus, 10 LT Plus SE 7 SE 7
SE 10, SE 10 LT SE 10 Plus, SE 10 LT Plus
1-Yr. S&P 500® PTP w/ Cap 4.50% 3.50% 5.75% 5.00% 7.00% 4.75% 6.75% 6.00% 8.00% 5.75%
1-Yr. S&P 500® Monthly PTP w/ Cap 1.80% 1.50% 2.10% 2.00% 2.35% 1.90% 2.30% 2.20% 2.55% 2.10%
1-Yr. S&P 500® PTP Inversion w/ Cap 7.00% 5.00% 9.75% 8.50% 12.25% 7.50% 12.25% 10.50% 15.00% 9.75%
1-Yr. DJ Real Estate Mthly Avg. w/ Par. Rate 75% 60% 95% 85% 110% 80% 110% 100% 125% 95%
1-Year Morgan Stanley TEBI PTP w/ Par. Rate* 70% 55% 90% 80% 105% 75% 105% 95% 115% 90%
2-Year Morgan Stanley TEBI PTP w/ Par. Rate* 100% 75% 125% 115% 145% 105% 145% 130% 165% 125%
2-Yr. S&P 500® PTP w/ Par. Rate* 50% 35% 60% 55% 70% 50% 70% 60% 80% 60%
2-Yr. S&P 500® Risk Control PTP w/ Par. Rate* 65% 50% 80% 75% 95% 65% 95% 85% 105% 80%
Declared Interest Account 1.90% 1.45% 2.45% 2.20% 2.95% 1.95% 2.95% 2.70% 3.45% 2.45%
Rate Lock:
A rate lock applies on each strategy for 45 days from the date the application is received. On premium received within the 45-day period, clients will receive the greater of (1) the locked-in rate or (2) the rate in effect on the index date following the date premium is received. After 45 days, the rates in effect at the time premium is received will apply.
To receive the rate lock:

All applications and any applicable transfer paperwork must be received in good order by Americo’s administrative office by end of business on Monday, May 21, 2018.
All premiums must be received by end of business on Friday, July 6, 2018.
Submit applications on or before May 21, 2018, to:

Regular mail: Americo, P.O. Box 410288, Kansas City, MO 64141-0288.
Overnight delivery: Americo, 300 W. 11th Street, Kansas City, MO 64105-1618.
Fax: 800-395-9261.
If you would like us to review an application prior to submitting it to Americo, contact Legacy’s Customer Service and Suitability Help Desk at 800-395-1053, Ext. 5819. For sales ideas or more information, call 800-395-1053, Ext. 4002, or visit
We appreciate your business!
ClassicMarksm 10, 10 LT (Contract Series 411/411LG10/4190/4204); ClassicMarksm 10 Plus, 10 LT Plus (Contract Series 411/411LG10+/4179/4190/4204); LibertyMarksm 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4196/4205); LibertyMarksm 7 Plus, SE 7 Plus (Contract Series 411/4191/4196/4205); LibertyMarksm 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus (Contract Series 411/4179/4184/4196/4205). 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®, an independent, authorized agency of Americo. 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. On LibertyMarksm and LibertyMarksm SE products, the Liberty Optimizer administrative fee of 1.00–1.75% (depending on the product version selected) will be deducted from the Accumulation Value at the end of each contract year, including the first.
The S&P 500 Index, S&P 500 Average Daily Risk Control 10% USD Price Return Index, and Dow Jones U.S. Real Estate Index are products of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and have been licensed for use by Americo Financial Life and Annuity Insurance Company (“Americo”). Standard & Poor’s®, S&P 500®, and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Americo. Americo’s Product is 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 nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index, S&P 500 Average Daily Risk Control 10% USD Price Return Index, and Dow Jones U.S. Real Estate Index.
This product is not sponsored, endorsed, sold or promoted by Morgan Stanley or any of its affiliates. 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. The Target Equity Balanced Index (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 by Americo Financial Life & Annuity Insurance Company. Morgan Stanley will not 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 and its affiliates may engage in transactions involving components of the Index for their proprietary accounts and/or for accounts of their clients, which may affect the value of such components and the level of the Index.
* Not available in all states. Check current State Approval Matrix.
14-644-6 (05/18)

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