FlexMark Select Series Annuity Quick Reference of 3/1/2018 · Products are distributed by Legacy Marketing ... with all tax-qualified plan ... charges for confinement, terminal illness,

800-395-1053, Ext. 4002

FlexMark SelectSM Series Annuity Quick Reference

Insurance Carrier Product Product Features Income Riders**

Premium Bonus Interest Crediting Options* Liquidity

GA-Level Commission

Available States

Ameritas Life Insurance Corp., Lincoln, NE Financial Strength Ratings: A.M. Best A (Excellent) for financial strength and operating performance. Third highest of 15 ratings. Rating as of 6/15/2017. Standard & Poor’s A+ (Strong) for financial strength. Fifth highest of 21 ratings. Rating as of 6/15/2017. Ameritas Mutual Holding Company’s ratings include Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York.

FlexMark SelectSM Series 10-year single premium deferred fixed index annuities*

Product Version

Prem. Bonus

Select NA

Plus 6%

LT NA

LT Plus 4%

LT Plus in CA, IN, MO

2%

Issue Ages

0–85 (Q and NQ) Premium

$25K minimum Year 1.

$5K minimum additional (Year 1 only).

$1M maximum without Home Office approval.

Sweep (Allocation) Dates

5th, 15th, and 25th of each month. Applications, requirements, and premium must be received in good order one business day prior to the sweep date.

No-cost income rider (guaranteed lifetime withdrawal benefit rider).**

Optional upgraded income rider with level or lifestyle payout.**

Optional Income Booster for declining health.*

Vesting premium bonus on “Plus” products.*

Rate banding offers upgraded rates for larger Accumulation Value (AV).

Strong accumulation options with choice to “buy up” the rates on fee strategies.*

Proprietary index allows for broad diversification and limited volatility.

Extra one-time 10% emergency withdrawal after Year 1.*

Minimum Guaranteed Surrender Value (MGSV) is 87.50% of premium (90% in NJ) less withdrawals at guaranteed minimum interest rate of 1%.

Death benefit is greater of AV plus any bonus account or MGSV.

Choice of three guaranteed lifetime withdrawal benefit (GLWB) riders at contract issue:

Basic GLWB Income Rider

Automatically included at no cost!

3% Premium Accumulation Rate (PAR) compounded for up to 10 years.

Payouts can start after Year 5 and age 50.

No restart.

MyFit Income RiderSM

6% PAR compounded for up to 10 years.

Optional 10-year restart.

Choice of level or lifestyle payout option when payouts begin.

Lifestyle payout offers enhanced payouts for an enhanced benefit period followed by lower, secondary payouts for life.

Enhanced benefit period based on age when payouts begin: o Ages 50–65: 7 years. o Ages 66–70: 5 years. o Ages 71+: NA.

Payouts can start after Year 1 and age 50.

0.95% annual charge.

MyFit Income RiderSM With Booster*

Same as MyFit Income RiderSM, plus double payouts for impairment in 2 of 6 ADLs.

1.05% annual charge.

Vesting Premium Bonus*

Select Plus:

6%

LT Plus:

4%

2% (CA, IN, and MO)

10-Year Vesting Schedule* (% vested at end of year) Select Plus: 0, 5, 10, 15, 20, 30, 45, 60, 75, 90, 100%

LT Plus: 0, 5, 15, 25, 35, 45, 55, 65, 80, 90, 100%

Vested and non-vested values are included in the death benefit.

Rates effective 3/1/2018, and subject to change. Check LegacyNet® for updates.

AV:

Standard Band $0–$199,999

Upgraded Band $200,000+

S&P 500® 1-Year PTP w/ Cap:

1% Fee*,† No Fee 1% Fee*,† No Fee Select: 6.00% 3.75% 6.50% 4.00%

Plus: 5.25% 3.00% 5.50% 3.25% LT: 5.50% 3.25% 6.00% 3.75%

LT Plus: 5.00% 2.75% 5.25% 3.00%

Russell 2000® 1-Year PTP w/ Cap:

1% Fee*,† No Fee 1% Fee*,† No Fee Select: 5.50% 3.25% 5.75% 3.50%

Plus: 4.50% 2.50% 5.00% 2.75% LT: 5.00% 2.75% 5.25% 3.00%

LT Plus: 4.50% 2.50% 4.75% 2.75%

BNPP Momentum 5†† 1-Year PTP w/ Par. Rate:

1% Fee*,† No Fee 1% Fee*,† No Fee Select: 105% 65% 110% 75%

Plus: 95% 55% 100% 60% LT: 100% 60% 105% 65%

LT Plus: 90% 50% 100% 60%

BNPP Momentum 5†† 2-Year* PTP w/ Par. Rate:


Plus: 115% 65% 125% 75% LT: 125% 75% 130% 80%

LT Plus: 115% 65% 120% 70%

S&P 500® 2-Year* PTP w/ Par. Rate:


Plus: 60% 35% 65% 40%

LT: 65% 35% 70% 40% LT Plus: 60% 35% 65% 40%

1-Year Fixed Account:

Select: 1.80% 1.95% Plus: 1.45% 1.60%

LT: 1.60% 1.75% LT Plus: 1.40% 1.55%

Penalty-Free Withdrawals

Year 1: Required minimum distribution (RMD) associated with the policy.

Years 2–10: 10% of vested account value annually or RMD. Additional Emergency Access*

Extra one-time withdrawal up to 10% without surrender charge or MVA, available after Year 1. Surrender Schedule (+/- MVA)*

Select and Select Plus: 10, 10, 10, 9, 9, 8, 7, 6, 4, 2, 0%

LT and LT Plus: 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0%

LT and LT Plus (CA, IN, and MO): 8, 7.75, 6.75, 5.75, 4.70, 3.65, 2.60, 1.50, 0.60, 0% Waiver of Surrender Charge Riders*

Included at no additional cost:

Confinement.

Terminal Illness.

Home Health Care.

Select and LT:

7.00% (0–75) 6.00% (76–85) Select Plus and LT Plus:

6.00% (0–75) 5.00% (76–85) Chargebacks: 100% chargeback Year 1 for death, surrender, and withdrawals (including RMDs). See Compensation Schedule for details.

Select and Select Plus:

AL, AR, AZ, CO, DC, FL1,2 (0–64), GA, IA, ID, IL, KS, KY, LA, MD, ME, MI, MS, MT, NC, ND, NE, RI, SD, TN, VA, VT, WI,

WV, WY

LT and LT Plus:

AK, CA1,2,3,4,5,6,7, CT, DE, FL1,2 (65+), HI, IN3, MA2, 5, MN8, MO3, NH9, NJ9, NM, NV, OH, OK, PA8, SC, TX, UT8, WA8

1. No Income Booster.

2. No Home Health Care Waiver.

3. 2% bonus and 9-year surrender schedule apply.

4. No MVA. 5. No Confinement

Waiver. 6. No Terminal Illness

Waiver. 7. No extra 10%

emergency w/d. 8. Fee options not

available. 9. No 2-Year

strategies.

In approved states, FlexMark SelectSM Index Annuities (Form 2705) and riders are issued by Ameritas Life Insurance Corp. (Ameritas), located at 5900 O Street, Lincoln, NE 68510. Products are distributed by Legacy Marketing Group®. Ameritas and Legacy Marketing Group® are separate, independent entities. FlexMark SelectSM Index Annuities are single premium deferred annuities that offer a fixed interest option and index interest options. The index options are not securities. Keep in mind, your clients are not participating in the market or investing in any stock or bond. Policies, index strategies, and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions, and additional charges. Product guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. Refer to brochures for additional details. Withdrawals may be subject to income tax. If withdrawals are made before age 59½, they also may be subject to an IRS penalty tax. Ameritas, Legacy Marketing Group®, and their authorized representatives do not give legal or tax advice. It is recommended that tax advisers be consulted.

Standard & Poor’s 500TM Index is comprised of 500 stocks representing major U.S. industrial sectors. S&P 500 and Standard & Poor’s 500TM are trademarks of Standard & Poor’s and have been licensed for use by Ameritas Life Insurance Corp. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisabi lity of investing in the product.

The Russell 2000® Index is a trademark of the Russell Investment Group (“Russell”) and has been licensed for use by Ameritas Life Insurance Corp. FlexMark SelectSM Index Annuity is not sponsored, endorsed, sold or promoted by Russell and Russell makes no representation regarding the advisability of purchasing the product. Russell Investment Group is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell® is a trademark of Russell Investment Group.

This product is not sponsored, endorsed, sold or promoted by BNP Paribas or any of its affiliates (collectively, “BNP Paribas”). Neither BNP Paribas 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. BNP Paribas Momentum Multi-Asset 5 Index (the “Index”) is the exclusive property of BNP Paribas. BNP Paribas and the Index are service marks of BNP Paribas and will be licensed for use for certain purposes by Ameritas Life Insurance Corp. BNP Paribas shall not have any liability with respect to the product. Neither BNP Paribas 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 BNP Paribas nor any other party guarantees the accuracy and/or the completeness of the Index or any data included therein.

* May vary by state and may not be available in all states. Check current State Approval Matrix. ** GLWB may not be available with all tax-qualified plan types.

† 1% fee is deducted at the beginning of each 1-year index period; 2% fee is deducted at the beginning of each 2-year index period. †† Also known as the BNP Paribas Momentum Multi-Asset 5 Index.

AL1001v0318 FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.

As of 3/1/2018

AL1088v0118_LMG FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.

A Full Menu of SolutionsFour types of clients, one fixed index annuity: FLEXMARK SELECTSM.

ACCUMULATION FOCUSED INCOME FOCUSED

Craves maximized growth potential.

• Higher rates for maximum accumulation potential: upgraded band and fee strategies.*

• Three uncapped participation rate strategies.*

• Optional vesting premium bonus up to 6%.

• Two proprietary index strategies for broad diversification and limited volatility.*

Has big plans for those early retirement years.

• MyFit Income RiderSM with 6% roll-up (Premium Accumulation Rate).**

• Lifestyle payout option on MyFit Income RiderSM for higher payouts during the go-go years.**

– 7 years of enhanced payouts when payouts begin ages 50–65.

– 5 years of enhanced payouts when payouts begin ages 66–70.

“WHAT-IF” FOCUSED FREE FOCUSED

Wants to be ready for whatever the future holds.

• 10% annual penalty-free withdrawals plus one-time 10% emergency access for qualifying events (not available in CA)—both available after Year 1.

• MyFit Income RiderSM With Booster:**

– Optional restart.

– Level payout option.

– Double payouts for impairment in 2 of 6 activities of daily living (ADLs).

• Waiver of surrender charges for confinement, terminal illness, and home health care (not available in all states).

Wants to get the biggest bang without charges or fees.

• No-cost GLWB income rider that can step up annually for higher roll-up opportunity.**

• No-fee options with participation rates up to 80%.†

• Optional vesting premium bonus up to 6%.

• 10% penalty-free withdrawals, available after the first year.

With a wide range of benefits and a-la-carte options, FlexMark SelectSM might be the most versatile FIA on the market.

Click or call today to learn more! 800-395-1053, Ext. 400

In approved states, FlexMark SelectSM Index Annuities (Form 2705) and riders are issued by Ameritas Life Insurance Corp. (Ameritas) located at 5900 O Street, Lincoln, NE 68510. Products are designed in conjunction with Ameritas and exclusively marketed by Legacy Marketing Group®. Ameritas and Legacy Marketing Group® are separate, independent entities. FlexMark SelectSM Index Annuities are single premium deferred annuities that offer a fixed interest option and index interest options. The index options are not securities. Keep in mind, your clients are not participating in the market or investing in any stock or bond. Policies, index strategies, and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions, and additional charges. Product guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. Refer to brochures for additional details. FlexMark SelectSM and MyFit Income RiderSM are

service marks of Legacy Marketing Group®. Unless otherwise specified, any individual or entity referenced herein is not an affiliate of Ameritas or any of its affiliates.Withdrawals may be subject to income tax. If withdrawals are made before age 59½, they also may be subject to an IRS penalty tax. Ameritas, Legacy Marketing Group®, and their authorized representatives do not give legal or tax advice. It is recommended that tax advisers be consulted. * Fee and multi-year index strategies not available in all states.** GLWB income rider not available with certain tax-qualified plan types. Upgraded riders

are available for a current annual charge of 0.95% for the MyFit Income RiderSM and 1.05% for the MyFit Income RiderSM With Booster (not available in all states).

† Rate effective February 1, 2018, and subject to change.

http://www.legacynet.com/flexmark/

NEW! ClassicMarkSM Series Annuity Quick Reference

Insurance Carrier Product Features

Withdrawals/ Surrender**

Interest Crediting Strategies*

Min. Guaranteed Rates

GA-Level Commission

Approved States

Americo Financial Life and Annuity Insurance Company, Kansas City, MO Financial Strength Rating:

A.M. Best “A” (Excellent) for financial strength. 3rd highest of 15 ratings. Rating as of 3/5/2018

ClassicMarkSM Series single premium deferred fixed indexed annuities*

Product Version

Upfront Premium

Bonus

10 NA

10 LT NA

10 Plus 4%

10 LT Plus 3%

Heritage MaximizerSM

Optional enhanced death benefit rider that provides a death benefit of 130% of the entire AV.

Available on all product versions.*

Current charge is 0.30%, deducted at the end of each contract year.

Benefits are available three years after the rider effective date.

Issue Ages

Product Version Ages

(Q, NQ)

10, 10 LT 0–85

10 Plus, 10 LT Plus 0–80

Heritage MaximizerSM 0–75

Premium

$10,000 minimum, Q and NQ.

$1 million maximum per owner without Home Office approval.

Index Dates 7th, 14th, 21st, or 28th of the month

Optional upfront premium bonus vests 100% Day One to jump-start earnings.

First-year liquidity, penalty-free.

Diverse choice of indexed strategies covering multiple markets: o Five participation rate strategies

with no cap. o Three cap strategies with 100%

participation.

Index gains credit at death.

No market value adjustment (MVA).

Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement (Series 4139).*,**

Strong contractual guarantee— 1%– 3% on 100% of premium less prior gross withdrawals, less surrender charges upon contract termination.

Accepts Q and NQ money; traditional, Roth, Inherited, and SEP IRAs; and non-contributory 403(b)/TSA plans.

Death Benefit—greater of 100% of AV (130% with Heritage MaximizerSM) or GMV at death.


Up to 10% of AV annually after 30 days.

The minimum withdrawal amount is $500, with a minimum remaining surrender value of $2,000.

Surrender Schedules

10: 13, 12, 11, 10.50, 10, 9, 8, 7, 6, 5, 0%

10 LT: 10.20, 9.20, 8.20, 7.20, 6.20, 5.20, 4.20, 3.10, 2.10, 1, 0%

10 Plus: 14, 13, 12.50, 11.50, 10.50, 9.50, 8.50, 7.50, 6.50, 5.50, 0%

10 LT Plus: 13, 9.20, 8.20, 7.20, 6.20, 5.20, 4.20, 3.10, 2.10, 1, 0%

Check Sales Guide for CA, CT, FL, PA, and WA variations.

1-Yr S&P 500® PTP w/ Cap

10, 10 LT: 3.80% 10 Plus, 10 LT Plus: 2.75%

1-Yr S&P 500® Monthly PTP w/ Cap

10, 10 LT: 1.75% 10 Plus, 10 LT Plus: 1.50%

1-Yr S&P 500® PTP Inversion w/ Cap

10, 10 LT: 5.90% 10 Plus, 10 LT Plus: 4.25%

1-Yr DJ Real Estate Mthly Avg. w/ Par.

10, 10 LT: 58% 10 Plus, 10 LT Plus: 46%

1-Yr Morgan Stanley TEBI† PTP w/ Par.*

10, 10 LT: 67% 10 Plus, 10 LT Plus: 53%

2-Yr Morgan Stanley TEBI† PTP w/ Par.*

10, 10 LT: 93% 10 Plus, 10 LT Plus: 74%

2-Yr S&P 500® PTP w/ Par.*

10, 10 LT: 45% 10 Plus, 10 LT Plus: 35%

2-Yr S&P 500® Risk Control PTP w/ Par.*

10, 10 LT: 77% 10 Plus, 10 LT Plus: 61%

Declared Interest Account

10, 10 LT: 1.80% 10 Plus, 10 LT Plus: 1.35%


Guaranteed Minimum Value: 1%‒3% on 100% of premium, less surrender charges.

Current Guaranteed Minimum Value Interest Rate: 1%

10: 6.00% (Ages 0–80) 5.00% (Ages 81–85)

10 LT: 5.00% (Ages 0–80) 3.75% (Ages 81–85)

10 Plus, 10 LT Plus: 5.00% (Ages 0–80)

Commissions are based on the date the premium is received in Americo’s Administrative Office.

See Compensation Schedule for details.

10 and 10 Plus: AR, AZ, CO, DC, GA,

HI, IA, ID, IL, IN, KS, KY,

LA, MA1, MD, ME, MI,

MO, MT, NC, ND, NE,

NM, RI, SD, TN, VA, WI,

WV, WY

10 LT and 10 LT Plus: AK, CA, CT, DE, FL, NH2,

NJ2, NV, OH, OK, PA3,

SC, TX, UT, WA

Heritage MaximizerSM: Available in all approved

states except MO, NJ, OH, PA, UT, WA 1. Waiver of Surrender

Charges Upon Nursing Home or Hospital Confinement Endorsement not available.

2. Multi-year strategies not available.

3. Morgan Stanley strategies not available.

Cap Strategies: Minimum guaranteed cap is 1% (0.10% for monthly cap).

Participation Rate Strategies: Minimum guaranteed participation rate is 5% (10% in NJ).

Declared Interest Account: Minimum guaranteed annual interest rate is 1%.

ClassicMarkSM Heritage MaximizerSM enhanced death benefit rider (Rider Series 2181). ClassicMarkSM 10, 10 LT (Contract Series 411/411LG10/4190/4204); ClassicMarkSM 10 Plus, 10 LT Plus (Contract Series 411/411LG10+/4179/4190/4204). Products are single premium fixed deferred 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.

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 affil iates (“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 S tanley. 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.

* Subject to state availability. Certain restrictions may apply. Check current State Approval Matrix. ** Withdrawals may be subject to ordinary income tax, and a 10% IRS penalty may apply to withdrawals taken before age 59½. † Also known as the Morgan Stanley Target Equity Balanced Index.

AF1284v0318 18-600-2 (03/18) FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.

800-395-1053, Ext. 4002

As of 3/5/2018

LibertyMarkSM Series Annuity Quick Reference

Insurance Carrier Product Features Bonuses

Withdrawals/ Surrender†


Min. Guaranteed

Rates GA-Level

Commission Approved

States

Americo Financial Life and Annuity Insurance Company, Kansas City, MO Financial Strength Rating:


LibertyMarkSM Series single premium deferred fixed indexed annuities*

Product Version Bonus Years Fee

7 No 7 1%

7 Plus Yes 7 1%

10, 10 LT No 10 1.25%

10 Plus, 10 LT Plus

Yes 10 1.25%

Liberty Optimizer Fee

Annual administrative fee deducted from the Accumulation Value (AV) at the end of each contract year, including the first.**

Heritage MaximizerSM Optional enhanced death benefit rider that provides a death benefit of 130% of the entire AV.

Available on non-bonus products.*

Current charge is 0.30%, deducted at the end of each contract year.**

Issue Ages

Product Version

Ages (Q, NQ)

7, 7 Plus, 10, 10 LT 0–85

10 Plus, 10 LT Plus 0–80


Premium



Index Dates

7th, 14th, 21st, or 28th of the month

Diverse choice of indexed strategies covering multiple markets: o Five participation rate strategies

with no cap. o Three cap strategies with 100%

participation.



Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement (Series 4139).*,†

Strong contractual guarantee— 1%– 3% on 100% of premium, less surrender charges upon contract termination.

Accepts Q and NQ money; traditional, Roth, Inherited, and SEP IRA; and non-contributory 403(b)/TSA plans.

Death Benefit—greatest of 100% of AV (130% with Heritage MaximizerSM), return of premium less prior gross withdrawals,†,†† or GMV at death.

True Up*—credits back any Liberty Optimizer Fees amounts paid that are greater than interest earnings. Applies at end of Year 5.

7 Plus:

5% persistency bonus end of Year 7.

10 Plus: Dual bonus!

5% upfront, plus 10% persistency bonus end of Year 10.

10 LT Plus: Dual bonus!

5% upfront (4% in CA), plus 8% persistency bonus end of Year 10.

The persistency bonus is equal to the AV at the end of Year 7 on LibertyMarkSM 7 Plus and end of Year 10 on LibertyMarkSM 10 Plus and 10 LT Plus, multiplied by the persistency bonus percentage.


Up to 10% of AV annually after the first year. RMDs accepted Year 1 per company practice.


Surrender Schedules

7, 7 Plus: 9, 8.50, 8, 7, 6, 5, 4, 0%

10: 12, 11.50, 11, 10.50, 10, 9, 8, 7, 6, 5, 0%

10 LT: 9.20, 9.20, 8.20, 7.20, 6.20, 5.20, 4.20, 3.10, 2.10, 1, 0%

10 Plus: 13, 13, 12.50, 11.50, 10.50, 9.50, 8.50, 7.50, 6.50, 5.50, 0%

10 LT Plus: 11.90, 9.40, 8.20, 7.20, 6.20, 5.20, 4.20, 3.10, 2.10, 1, 0%

Check Sales Guide for CA, CT, FL, MN, PA, and WA variations.

7 7 Plus

10, 10 LT

10 Plus, 10 LT Plus


4.75% 4.00% 6.00% 3.75%


2.05% 1.90% 2.30% 1.80%


8.30% 7.10% 10.40% 6.35%


75% 65% 85% 60%

1-Yr Morgan Stanley TEBI PTP* w/ Par.

85% 75% 100% 70%


120% 105% 135% 100%

2-Yr S&P 500® PTP w/ Par.

55% 50% 65% 45%

2-Yr S&P 500® Risk Control PTP w/ Par.

100% 90% 115% 80%


2.30% 2.05% 2.85% 1.85% Rates effective 3/8/2018, and subject to change. Check LegacyNet® for updates.

Guaranteed Minimum Value: 1%‒3% on 100% of premium, less surrender charges.

Current Guaranteed Minimum Value Interest Rate: 1%

7: 5.00% (Ages 0–80) 3.75% (Ages 81–85)

7 Plus: 4.00% (Ages 0–80) 2.75% (Ages 81–85)

10: 7.00% (Ages 0–80) 6.00% (Ages 81–85)

10 LT: 6.00% (Ages 0–80) 4.75% (Ages 81–85)

10 Plus, 10 LT Plus: 6.00% (Ages 0–80)

Commissions are based on the date the premium is received in Americo’s Administrative Office.


7, 7 Plus, 10, and 10 Plus:

AR, AZ, CO, DC, GA,

HI, IA, ID, IL, KS, KY,

LA, MA1, MD, ME, MI,

MT, NC, ND, NE, NM,

RI, SD, TN, VA, WI,

WV, WY

7, 7 Plus, 10 LT, and 10 LT Plus:

AK, CA, CT, DE, FL,

MN (7, 7 Plus only),

NH2, NJ2,

NV (no 7 Plus),

OH (7, 10 LT only),

OK, PA3 (no 7 Plus),

SC, TX, UT, WA

Heritage MaximizerSM:

Available with 7, 10, and 10 LT, except in NJ, OH, PA, UT, WA

1. Waiver of

Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement not available.


3. Morgan Stanley strategies and True Up not available.

Cap Strategies: Minimum guaranteed cap is 1.00% (0.10% for monthly cap).

Participation Rate Strategies: Minimum guaranteed participation rate is 5.00% (10.00% in NJ).

Declared Interest Account: Minimum guaranteed annual interest rate is 1.00%.

LibertyMarkSM Heritage MaximizerSM enhanced death benefit rider (Rider Series 2181). 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 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 l imitations and exclusions. Legacy Marketing Group® is an independent, authorized agency of Americo.

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 Ind ices 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.


* 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 59½. †† 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).


800-395-1053, Ext. 4002

As of 3/8/2018

LibertyMarkSM SE Series Annuity Quick Reference

Insurance Carrier Product Features Bonuses

Withdrawals/ Surrender†


Min. Guaranteed Rates

GA-Level Commission

Approved States

Americo Financial Life and Annuity Insurance Company, Kansas City, MO Financial Strength Rating: A.M. Best “A” (Excellent) for financial strength. 3rd highest of 15 ratings. Rating as of 3/8/2018

LibertyMarkSM Series single premium deferred fixed indexed annuities*

Product Version Bonus Years Fee

SE 7 No 7 1.50%

SE 7 Plus Yes 7 1.50%

SE 10, SE 10 LT

No 10 1.75%

SE 10 Plus, SE 10 LT Plus

Yes 10 1.75%

Liberty Optimizer Fee

Annual administrative fee deducted from the Accumulation Value (AV) at the end of each contract year, including the first.**

Heritage MaximizerSM Optional enhanced death benefit rider that provides a death benefit of 130% of the entire AV.

Available on non-bonus products.*

Current charge is 0.30%, deducted at the end of each contract year.**

Issue Ages

Product Version

Ages (Q, NQ)

SE 7, SE 7 Plus, SE 10, SE 10 LT

0–85

SE 10 Plus, SE 10 LT Plus

0–80


Premium



Index Dates 7th, 14th, 21st, or 28th of the month

Diverse choice of indexed strategies covering multiple markets: o Five participation rate

strategies with no cap. o Three cap strategies with

100% participation.



Waiver of Surrender Charges Upon Nursing Home or Hospital Confinement Endorsement (Series 4139).*,†

Strong contractual guarantee— 1%– 3% on 100% of premium, less surrender charges upon contract termination.

Accepts Q and NQ money; traditional, Roth, Inherited, and SEP IRA; and non-contributory 403(b)/TSA plans.

Death Benefit—greatest of 100% of AV (130% with Heritage MaximizerSM), return of premium less prior gross withdrawals,†,†† or GMV at death.

True Up*—credits back any Liberty Optimizer Fees amounts paid that are greater than interest earnings. Applies at end of Year 5.

SE 7 Plus:

5% persistency bonus end of Year 7.

SE 10 Plus: Dual bonus!

5% upfront plus 10% persistency bonus end of Year 10.

SE 10 LT Plus:

Dual bonus!

5% upfront (4% in CA), plus 8% persistency bonus end of Year 10.

The persistency bonus is equal to the AV at the end of Year 7 on LibertyMarkSM SE 7 Plus and end of Year 10 on LibertyMarkSM SE 10 Plus and SE 10 LT Plus, multiplied by the persistency bonus percentage.


Up to 10% of AV annually after the first year. RMDs accepted Year 1 per company practice.


Surrender Schedules

SE 7, SE 7 Plus: 9, 8.50, 8, 7, 6, 5, 4, 0%

SE 10: 12, 11.50, 11, 10.50, 10, 9, 8, 7, 6, 5, 0%

SE 10 LT: 9.20, 9.20, 8.20, 7.20, 6.20, 5.20, 4.20, 3.10, 2.10, 1, 0%

SE 10 Plus: 13, 13, 12.50, 11.50, 10.50, 9.50, 8.50, 7.50, 6.50, 5.50, 0%

SE 10 LT Plus: 11.90, 9.40, 8.20, 7.20, 6.20, 5.20, 4.20, 3.10, 2.10, 1, 0% Check Sales Guide for CA, CT, FL, MN, PA, and WA variations.

SE 7 SE 7 Plus

SE 10, SE 10 LT

SE 10 Plus, SE 10

LT Plus


5.75% 5.00% 7.25% 4.75%


2.30% 2.10% 2.50% 2.05%


10.40% 9.00% 12.70% 8.25%


85% 80% 100% 75%


100% 90% 115% 85%


140% 125% 150% 120%

2-Yr S&P 500® PTP w/ Par.

65% 55% 75% 55%

2-Yr S&P 500® Risk Control PTP w/ Par.

115% 105% 130% 100%


2.80% 2.55% 3.35% 2.35%


Guaranteed Minimum Value: 1%‒3% on 100% of premium, less surrender charges. Current Guaranteed Minimum Value Interest Rate: 1%

SE 7: 5.00% (Ages 0–80) 3.75% (Ages 81–85) SE 7 Plus: 4.00% (Ages 0–80) 2.75% (Ages 81–85) SE 10: 7.00% (Ages 0–80) 6.00% (Ages 81–85) SE 10 LT: 6.00% (Ages 0–80) 4.75% (Ages 81–85) SE 10 Plus and SE 10 LT Plus: 6.00% (Ages 0–80) Commissions are based on the date the premium is received in Americo’s Administrative Office. See Compensation Schedule for details.

SE 7, SE 7 Plus, SE 10, and SE 10 Plus:

AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA1, MD, ME, MI, MT, NC, ND, NE, NM, RI, SD, TN, VA, WI,

WV, WY

SE 7, SE 7 Plus, SE 10 LT, and SE 10 LT Plus:

AK, CA, CT, DE, FL,

MN (SE 7, SE 7 Plus

only), NH2, NJ2, NV (no SE 7 Plus),

OH (SE 7, SE 10 LT only), OK,

PA3 (no SE 7 Plus), SC, TX, UT, WA

Heritage

MaximizerSM: Available with SE 7, SE

10, and SE 10 LT, except in

NJ, OH, PA, UT, WA 1. Waiver of Surrender

Charges Upon Nursing Home or Hospital Confinement Endorsement not available.


3. Morgan Stanley strategies and True Up not available.

Cap Strategies: Minimum guaranteed cap is 1.00% (0.10% for monthly cap). Participation Rate Strategies: Minimum guaranteed participation rate is 5.00% (10.00% in NJ). Declared Interest Account: Minimum guaranteed annual interest rate is 1.00%.

LibertyMarkSM Heritage MaximizerSM enhanced death benefit rider (Rider Series 2181). 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 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, 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.



** 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 59½. †† 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).


800-395-1053, Ext. 4002

As of 3/8/2018

Reliable Living PlanTM LTCI Quick Reference

Insurance Carrier Product Features

Monthly Benefits Eligibility Rider

Return of Premium Commission

Approved States

Underwritten by Americo Financial Life and Annuity Insurance Company, Kansas City, MO Financial Strength Rating:


Reliable Living PlanTM single-premium, immediate-need long-term care insurance (LTCI)* Accepts non-qualified funds. Source of Funds

Cash, savings, CDs.

Brokerage accounts.

1035 Exchange from annuities or life insurance.

Issue Ages

Minimum: 65.

No maximum age limit.

Designed for people who are already experiencing a qualifying chronic illness or severe cognitive impairment.

Provides lifetime benefits as long as eligibility requirements are met.

Individually underwritten.

No elimination period.

No pre-existing health condition limitations.**

No receipts required.

Tax-free distributions.†

Funded by a single lump-sum premium—no ongoing premium commitment.

Qualified services include home health care, adult day care, assisted living community, nursing home, or memory care center.

Benefits are portable. They follow the insured throughout the continuum of care.

Simple and fast online application and underwriting process.

Policy cannot lapse.

When funded by existing annuity or life insurance via 1035 Exchange, converts potentially taxable gains into tax-free† benefits.

Reliable Living PlanTM provides monthly benefits that continue for life as long as the insured remains eligible.

Benefits begin after the 30-day free-look period.

Monthly Benefit Amounts

$1,000 minimum.

$12,000 maximum. The lump-sum premium amount and client’s overall health condition at the time of application determine the monthly benefit.

Policy Issue**

To be eligible for issue, the client must:

Be 65 years old or older.

Have been certified in the last 12 months as chronically ill as a result of: o The inability to perform at least two of six

ADLs, or o A severe cognitive impairment such as

Alzheimer’s or dementia (POA documents required to complete transaction).

Examples of clients not to pursue:

Clients receiving hospice or end-of-life care.

Clients diagnosed with a terminal illness or certified by a doctor to have fewer than 18 months to live.

Clients qualified for Medicaid or Medi-Cal benefits.

Benefits

To begin receiving benefits after the 30-day free-look period, the client must:

Receive qualified long-term care services in the United States, pursuant to a Plan of Care issued by a licensed health practitioner.

Provide Proof of Loss (includes a Certification of Chronic Illness and a Confirmation of Receipt of Services). o If Proof of Loss is provided at time of policy

application, benefits will be payable within 30 days of the policy issuance date.

Continuing Benefits

To be eligible to continue receiving monthly benefits, the client must:

Remain chronically ill.

Continue receiving qualified care services.

Provide Proof of Loss annually.

If the client recovers, monthly benefit payments will be suspended until the client is recertified as chronically ill.

Guaranteed Purchase Option Rider

The Guaranteed Purchase Option Rider is an optional rider, purchased at policy issue, that provides inflation protection without additional underwriting.

Provides an opportunity to increase the amount of benefits on every third policy anniversary.

Increases monthly benefit amounts by 5% compounded annually for three years.

Each time clients choose to purchase additional benefits, they will be charged an Additional Benefits Premium.

If client chooses not to purchase additional benefits for any three-year period, the rider will be terminated.

Refer to rider for details. Note: It is generally more advantageous for the insured to buy an additional policy than to buy the Guaranteed Purchase Option Rider.

In the event of death within six months of the policy effective date, the premium less premium tax and prior benefits paid is refunded. No return of premium or death benefit will be paid upon death after the six-month period.

GA-Level

5.00%

Commissions are based on the date the application is submitted within the Quote & Enrollment System (Q/E). Commission Chargebacks

There will be a chargeback of 100% for cancellation or death during the 30-day free-look period.


AK, AL, CO, IA, ID, IL, KS, KY,

LA, MA, MD, MI, MO, MS, NC, NE, NH, NM, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, WY

The Reliable Living PlanTM single premium immediate long-term care insurance policy (Series 600) and Guaranteed Purchase Option Rider (Series 2600) are underwritten by Americo Financial Life and Annuity Insurance Company, Kansas City, MO, and may vary in accordance with state laws. Product distributed by Legacy Marketing Group®. Product and benefits may not be available in all states. Certain restrictions and variations apply. Policy and rider have l imitations and exclusions. For costs and complete details of the coverage, call the company. Legacy Marketing Group® is an independent, authorized agency of Americo. Americo Financial Life and Annuity Insurance Company is authorized to conduct long-term care insurance business in the District of Columbia and all states except CT, ME, NY, and VT.


** Americo reserves the right to decline any application where it is determined that it may not be suitable for the client.

† The Reliable Living PlanTM is intended to be a federally tax-qualified long-term care insurance contract under IRC 7702B. Under current IRS rules, benefit amounts that are in excess of the greater of (1) the stated per diem dollar amount allowable under section 7702B or (2) the actual dollar amount of qualified long-term care expenses, are taxable.


800-395-1053, Ext. 4002

As of 3/8/2018

Documents

FlexMark Select Series Annuity Quick Reference of 3/1/2018 · Products are distributed by Legacy Marketing ... with all tax-qualified plan ... charges for confinement, terminal illness,