For a Revolutionary
Retirement!
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Introducing Americo!
• Americo Financial Life and Annuity Insurance
Company:
– A- (Excellent) by A.M. Best.
– A- (Strong) by Standard & Poor’s.
– Member of Americo Life, Inc.:*
• One of the largest independent, privately held
insurance groups in the U.S.**
• $6.1 billion in assets for year-end 2013.†
Rating for Americo Financial Life and Annuity Insurance Company (Americo), 2014. Americo Financial Life and Annuity Insurance Company has a financial strength
rating of A- (Excellent, 4th out of 15 rating categories.) A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s
balance sheet strength, operating performance, and business profile. A.M. Best uses a scale of 15 ratings, ranging from “A++” to “F.”
* Americo Life, Inc. is a holding company and is not responsible for the financial condition or contractual obligations of its affiliate
insurance companies.
** “Admitted Assets, Top Life Writers-2013,” A.M. Best Co., as of July 2013.
† Information is as of year-end 2013 on a consolidated basis for Americo Financial Life and Annuity Insurance Company and the other life insurance subsidiaries of
Americo Life, Inc., unless otherwise indicated. Information is prepared on the basis of generally accepted accounting principles (GAAP).
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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LibertyMarkSM
Single Premium Fixed Indexed Annuity Series
For a Revolutionary Retirement
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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For a Revolutionary Retirement
• The freedom to grow, with unique interest crediting
strategies and substantial accumulation potential, and
without a required income rider.
– Brings back the accumulation conversation!
• Gives clients the financial independence to capitalize on
ever-changing markets.
• A “dual bonus” helps them gain financial liberty.
• Built on a strong foundation, with excellent guarantees
and on “A-” paper!
AF1021v0514
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Declare Your Financial Independence
• Clients’ Bill of Rights:
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The right to choose.
The right to dual bonus.
The right to optimize.
The right to diversify.
The right to accumulation.
The right to capitalize.
The right to guarantees.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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The Right To Choose!
• Gain financial liberty with a choice of products:
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LibertyMark 7.
LibertyMark 10.
LibertyMark 10 LT.
LibertyMark 10 Plus.
LibertyMark 10 LT Plus.
• Choice of seven revolutionary indexed
interest crediting strategies, including
uncapped strategies!
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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The Right to Dual Bonus!
• Two bonuses:
– 5% upfront premium bonus.
– 10% persistency bonus on LibertyMark 10 Plus
after the 10th year.
• 8% on LibertyMark 10 LT Plus after the 10th year.
• 5% is based on initial premium.
• 10% back-end boost is based on full
accumulation value!
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Bonus Example
Example: Dow Jones U.S. Real Estate Index
3/6/03 – 3/6/13
Bonus Details
$100,000 Premium
5% bonus
$5,000
Accumulation after 10 years
$196,084
10% bonus
$19,608
10% = 19% Return!
Assumes no withdrawals and a 65% participation rate.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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The Right To Optimize
• The Liberty Optimizer Fee is an annual deduction
of 1% from the accumulation value for the 7-year
product and 1.25% for the 10-year product.
– Applied at the beginning of each contact year.
• Liberty Optimizer Fee offers clients access to:
– Diverse range of interest crediting strategies.
– Higher accumulation potential in varying markets.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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The Right To Diversify
Revolutionary Strategies
One-Year S&P 500® Point-to-Point With Cap.
4 Uncapped
Strategies
Two-Year S&P 500® Point-to-Point With Participation Rate.
Two-Year S&P 500® Risk Control With Participation Rate.
One-Year Gold Strategy With Cap.
One-Year Dow Jones Real Estate Monthly Averaging With Participation Rate.
Three-Year Blended Monthly Averaging With Participation Rate.
One-Year S&P 500® Point-to-Point Inversion Strategy With Cap.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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The Right to Accumulation
• One-Year S&P 500® Point-to-Point With Cap.
– Traditional strategy most are familiar with.
– 10-year: 7.50% 10-year bonus: 5.00%
• Two-Year S&P 500® Point-to-Point With
(uncapped) Participation Rate.
– 10-year: 80%
10-year bonus: 60%
Rates effective May 8, 2014, and subject to change.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Let’s Compare!
One Year Pt-to-Pt w/ Cap
Two Year Pt-to-Pt w/ Par. Rate
7.50% Cap
80% Par. Rate
$172,949
$317,125
5.63%
12.23%
That’s 83% more over 10 years in
the two-year strategy!
Assumes 10-year no-bonus product, no withdrawals, $100K 8/28/1990 – 8/28/2000.
Rates effective May 8, 2014, and subject to change.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Two-Year S&P 500® Risk Control
With Participation Rate
• S&P 500® Average Daily Risk Control 10% Price
Return Index With Participation Rate:
– 10-year: 105% 10-year bonus: 75%
– Allows higher participation rates and renewal rate
integrity, as the volatility is very low.
– Designed to provide smaller fluctuations in
index values.
Rates effective May 8, 2014, and subject to change.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Two-Year S&P 500® Risk Control
Index Comparison
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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One-Year Gold Strategy With Cap
• London Gold Fixings PM Price Index With Cap.
– 10-year: 7.50% 10-year bonus: 4.75%
– Can turn a portion of premium into a “hedge”
against extreme economic uncertainty.
– Provides a good balance to the S&P 500®.
– Everyone loves gold!
Rates effective May 8, 2014, and subject to change.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Why Gold Makes Sense
Gold
S&P 500®
Oct 1973 – Sept 1975
Energy Crisis
44%
-20%
Sept 2001 – Aug 2003
9-11
27%
-14%
Feb 2002 – Jan 2004
Iraq war and the lead up
47%
-1%
Time Period
London Gold Fixings PM Price Index and S&P 500® Index performance for period noted.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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One-Year Dow Jones Real Estate Monthly
Averaging With Participation Rate
• Dow Jones U.S. Real Estate Index With
Participation Rate.
– 10-year: 95% 10-year bonus: 65%.
– An alternative to S&P 500®.
– What do you think real estate will do over the
next 5–10 years?
Rates effective May 8, 2014, and subject to change.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Dow Jones Real Estate
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Assumes 90% participation rate, 10-year no-bonus product, and no withdrawals.
* The guaranteed minimum value is equal to premium received, less any partial surrenders (including any surrender charges
thereon), less any applicable premium tax, plus interest compounded daily at the guaranteed minimum value interest rate
between !% and 3% as shown on the contract.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Three-Year Blended Monthly Averaging
With Participation Rate
• Combined action of:
– S&P 500® Index.
– London Gold Fixings PM Price Index.
– Dow Jones U.S. Real Estate Index.
• Three-year monthly averaging to smooth out
volatility, with participation rate.
– 10-year: 80% 10-year bonus: 55%.
• Weighted 50%, 30%, 20%, based on performance.
Rates effective May 8, 2014, and subject to change.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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One-Year S&P 500® Point-to-Point
Inversion Strategy With Cap
• One-Year S&P 500® With Cap.
– 10-year: 8.75% 10-year bonus 5.70%
• If the S&P 500® goes down, index interest is
credited! Turn declines into an advantage!
• Great short-term strategy when you perceive the
S&P 500® to be at an all-time high.
• Idea: Use this strategy along with another S&P 500®
strategy and you are practically guaranteed to
earn something.
Rates effective May 8, 2014, and subject to change.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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The Right To Capitalize
• Multiple unique strategies allow clients to receive
interest in a variety of markets.
– Battles changing markets.
– Diversify with S&P 500® and non-S&P 500®
strategies.
• Uncapped participation rate strategies.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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The Right to Guarantees
• Fixed interest account.
• Product guarantees:
– 1% to 3% on 100% of premium received, less any
surrender charges.
– Liberty Optimizer Fee does not come out of the
minimum guarantee.
– $100K with absolutely no index interest would be $110,462
after 10 years.
• Liberty Optimizer Fee will not change for the life of
the contract.
• Full annuitization after Year 5!
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Other Liberating Features
• Minimum premium: $5,000 non-qualified, $2,000
qualified.
• Markets:
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Traditional IRA.
Roth IRA.
SEP IRA.
Inherited IRA.
Non-contributory TSA plans.
• NO MVA.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Need To Know
• No-bonus products issue to age 85.
• Bonus products issue to age 80.
• Waiver for confinement.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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GA-Level Commissions
Product
0–80
81–85
LibertyMark 7
7.00%
5.00%
LibertyMark 10
8.00%
7.00%
LibertyMark 10 LT
7.00%
5.50%
LibertyMark 10 Plus
7.00%
LibertyMark 10 LT Plus
6.50%
Full commissions to age 80!
Three carriers,
one commission check.
For FL ages 65+, please see Quick Reference.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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7-7-7
•7 revolutionary market-linked strategies.
•7-year surrender charge schedule.
•7% GA-level commissions.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Target Clients
• Younger clients who want to open an IRA.
• Younger clients who have a longer retirement
horizon with the ability to respond to different
market conditions.
• Catch-up clients who took too long to plan for
retirement and need strong accumulation to
catch up.
• Wealthy clients or any clients who do not
need an income rider.
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Licensing and Contracting
• You will need to be contracted with Legacy
and Americo.
• All contracts still go to Legacy.
• You can have access to both the Legacy
LibertyMark and the Americo products.
• Don’t forget to take your product training!
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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New Business
• New business is processed directly through Americo,
however our Legacy Team is available to assist you with
suitability and new business questions.
• LegacyNet® is be fully equipped with LibertyMark
information.
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New Business status.
Forms (will look a little different).
Commissions (paid by Legacy).
Product training.
• Still a one-stop shop!
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Current State Approvals
AK, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA,
ID, IL, KS, KY, LA, MA, ME, MI, MO, MT, NC,
ND, NE, NM, NV, OK, PA, RI, SC, SD, TN, TX,
UT, VA, WI, WV
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Thank you!
AF1021v0514
14-600-2 (05/14)
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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Disclosures
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LibertyMark single premium deferred fixed indexed annuities are underwritten by Americo Financial Life and Annuity
Insurance Company, (Americo), Kansas City, MO and may vary in accordance with state laws. Some products and
benefits may not be available in all states or for all periods. Certain restrictions apply. Consult policy (and rider) for all
limitations and exclusions. Policy Series 411.
Withdrawals may be subject to ordinary income tax, and a 10% IRS penalty may apply to withdrawals taken before
age 59½.
The S&P 500 Index is a product of 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 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.
The Dow Jones-UBS Commodity IndexesSM are a joint product of DJI Opco, LLC (“DJI Opco”), a subsidiary of S&P
Dow Jones Indices LLC, and UBS Securities LLC (“UBS”), and have been licensed for use by Americo Financial Life
and Annuity Insurance Company (“Americo”). Dow Jones® and DJ® are trademarks of Dow Jones Trademark
Holdings LLC; UBS® is a registered trademark of UBS AG. S&P® is a registered trademark of Standard & Poor’s
Financial Services LLC; and these trademarks have been licensed for use by DJI Opco and sublicensed for certain
purposes by Americo. Americo’s LibertyMark single premium fixed indexed annuities based on the Dow Jones U.S.
Real Estate Index Monthly Averaging (without Cap), are not sponsored, endorsed, sold or promoted by Dow Jones,
UBS, DJI Opco or any of their respective subsidiaries or affiliates, and none of Dow Jones, UBS, DJI Opco or any of
their respective affiliates, makes any representation regarding the advisability of investing in such product.
All references to The London Gold Market Fixings prices used with the permission of The London
Gold Market Fixing Limited and have been provided for informational purposes only. The London Gold
Market Fixing Limited accepts no liability or responsibility for the accuracy of the prices or the underlying
product to which the prices may be referenced.
AF1021v0514
FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.
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