Shopping for higher savings rates or fearful of market collapse – LibertyMark is for you!

Are you seeking a savings vehicle that will help you maximize accumulation, give you access to cash and protect your family with a death benefit? I have great news about a smarter, more rewarding way to save. It offers a higher rate of return than any bank CD or money market savings account. And it comes with unprecedented choices, flexibility, safety and guarantees.

In contrast to life insurance, which generally provides financial protection against dying too early, LibertyMark Series annuities can offer financial protection against living too long.

Upon a single lump-sum payment ($10,000 minimum), income payments and taxes are deferred. No taxes are paid on the interest the annuity earns until it is withdrawn. Fixed indexed annuities can guarantee a fixed rate of interest earnings. They also offer interest crediting strategy choices based on the performance of a market index. They do this while providing protection from loss.

Imagine helping saving with rates of return that are comparable to those of the stock market, without the market risk. That?s what LibertyMark Single Premium Deferred Fixed Index Annuities do.

To shield retirement funds from market-related losses, LibertyMark builds in a minimum guarantee to offer security of principal regardless of market conditions. Upon full surrender, death or annuitization, the policyholder is guaranteed to receive between 1% and 3% on the entirety of the premium (less any withdrawals, surrender charges, and applicable premium tax).

LibertyMark is a long-term retirement product that will perform best when it?s allowed to grow. But of course, life is unpredictable. So, policyholders are offered several different liquidity options for flexible access to their money, Imagine helping your clients save with rates of return that are comparable to those of the stock market, without the market risk. such as up to 10% penalty-free withdrawals annually after the first contract year, or Required Minimum Distributions (age 70.5).

There are a variety of indexed strategies that credit interest based on the performance of a specific market index or commodity. One of the most successful strategies LibertyMark uses is the 2-year point-to-point strategy, which to date (08/2017) has returned 7.3% net of fees. Compare this to the S&P 500 lifetime average (since 1928) of around 7% adjusted for inflation. Not a bad return considering policyholders have no chance of loss due to market corrections with the LibertyMark product.

Based on a check of Bankrate on 8/5/2017, savers could receive a rate on a money market account at 1.5%, a three-year CD at 2% and 2.36% for a five-year CD. Attractive interest rates by comparison to a few years ago. But these rates pale in comparison to the LibertyMark annuity.

A Huge Win for Senior Savers

Among many great features for senior savers, LibertyMark offers the Heritage Maximizer (for non-bonus products). Upon the policyholder?s death, heirs receive 130% of the then current accumulation value.

Generous Account Eligibility

Qualified and non-qualified accounts (IRS rule 59.5 applies), are eligible, including Traditional IRA?s, Roth IRA?s, Inherited IRA?s, SEP IRA?s and Non-contributory TSA plans.

Trusted Safety and Security

LibertyMark fixed indexed annuities are backed by more than 100 years of financial stability with Americo Financial Life, an A.M. Best ?A? Excellent rated insurance carrier.

I?m happy to review the many attractive features and benefits of the LibertyMark product line during a FREE consultation. Give me a call today, and together we can provide you a smarter way to save.

Sincerely,

?Your Insurance and Retirement Consultant for Life?

Excalibur Life Insurance & Annuity Solutions
888-839-3536 office
714-891-0262 fax
Email: MelSamick@msn.com
Ca. Dept. of Insurance Lic.#0f08218

This is an independent product review, not a recommendation to buy or sell an annuity. Americo has not endorsed this review in any way nor do we receive any compensation for this review. This review is meant to be an independent review at the request of readers so they could see our perspective when breaking down the positives and negatives of this particular model annuity. Before purchasing any investment product, be sure to do your own due diligence and consult a properly licensed professional should you have specific questions as they relate to your individual circumstances. All names, marks, and materials used for this review are the property of their respective owners.

LibertyMark Heritage Maximizer enhanced death benefit rider (Rider Series 2181).
LibertyMark 7, 10, 10 LT, SE 7, SE 10, SE 10 LT (Contract Series 411/4196); LibertyMark 7 Plus, SE 7 Plus (Contract Series 411/4191/4196); LibertyMark 10 Plus, 10 LT Plus, SE 10 Plus, SE 10 LT Plus (Contract Series 411/4179/4184/4196).
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 distributed 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. Legacy Marketing Group is an independent, authorized agency of Americo.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC (?SPDJI?), and has been licensed for use by Americo Financial Life and Annuity Insurance Company (?Americo?). Standard & Poor?s?, S&P? and S&P 500? 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 LibertyMark annuities are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective afiliates, 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.

* Subject to state availability. Certain restrictions may apply. Check current State Approval Matrix.
** Fee will be deducted at the beginning of each contract year, including the first, for applications received prior to 11/8/2016 (prior to 6/29/2017 in HI).
? Withdrawals may be subject to ordinary income tax, and a 10% IRS penalty may apply to withdrawals taken before age 59?. ?? Return of premium is provided by current company practice, rather than contractually, for applications received prior to 11/8/2016 (prior to 6/29/2017 in HI).