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Fixed Indexed Annuity

LibertyMark Freedom 10

Americo

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8%

Best S&P 500 Annual Cap

10%

Free W/D

27

Available jurisdictions

Product data status: July 17, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what LibertyMark Freedom 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$258,904
Est. value at age 80 (LibertyMark Freedom 10)
8%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.35% Cap ((with fee) · Annual · 1% fee)
✦
How crediting works: the cap limits positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies LibertyMark Freedom 10's published cap rate (10.35% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Net growth deducts the 1% annual strategy fee listed for this strategy. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how LibertyMark Freedom 10 compares for your age, state, premium, and income goals alongside other Americo fixed indexed annuity options.

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Live rate data

Run live numbers for LibertyMark Freedom 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Americo product.

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap (no allocation charge)

8% cap on S&P 500

A 10-year, A-rated accumulation-focused fixed indexed annuity from Americo with a no-fee S&P 500 annual point-to-point cap alongside fee-bearing 'Enhanced with Allocation Charge' variants and a proprietary-decrement / participation-rate index menu, sold in 27 jurisdictions as the in-state counterpart to the LibertyMark Freedom 10 LT filing.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers in one of this contract's 27 jurisdictions who want a long-surrender, A-rated accumulation FIA with at least one recognizable S&P 500 cap option, and who are comfortable evaluating the no-fee vs. fee-bearing strategy variants and the proprietary-index alternatives on their own merits rather than expecting an income guarantee from this contract.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

27 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

(with fee)

10.35% cap rate

Annual cap

Strategy fee: 1%/yr

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

64% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

(with fee)

79% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 12 additional crediting options (S&P 500, SG Columbia, SG Lead...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a no-fee S&P 500 annual point-to-point cap, so this contract gives a buyer at least one like-for-like comparison point against other FIAs on this site rather than only proprietary or fee-bearing strategies.
  • Each S&P 500 and proprietary-index strategy is offered in two versions on the same contract — a no-fee version and an 'Enhanced with Allocation Charge' fee-bearing version with a higher headline rate — so the buyer can see the cost-of-headline tradeoff side by side on a single allocation form.
  • Liquidity provisions are visible directly on this page: the annual free-withdrawal allowance, the full ten-year surrender ladder, an MVA flag, and a nursing-home waiver, rather than being gated behind a sales brochure.
  • Standard death benefit on this contract is shows of Premium via the Enhanced Death Benefit Rider, so heirs receive at least the premium paid in regardless of how the index strategies performed.

What to confirm

  • This contract covers only 27 jurisdictions. A separate sibling filing — 'LibertyMark Freedom 10 LT' — is what carriers in the OTHER states sell, and there is zero state overlap between the two. Read THIS page only if you live in one of the states this contract covers; otherwise the LT page is the one that applies to you, even though the product name is nearly identical.
  • Several index strategies come in an 'Enhanced with Allocation Charge' variant whose headline cap or participation rate is materially higher than the no-fee version. The fee is deducted from the strategy regardless of index performance — a high cap or participation rate on a fee-bearing strategy is NOT directly comparable to a no-fee cap at the same headline number. Read the fee column before reading the rate.
  • Two of the on-menu indexes are proprietary excess-shows constructions (SG Columbia Adaptive Risk Allocation, SG Lead Asset Select Exposure Rotation) and one is a decrement index (the S&P 500 IQ 0.5% Decrement Index — a fixed annual deduction is built into the index level itself, by construction). Their headline participation rates can look large in absolute terms but are not directly comparable to an S&P 500 cap and several carry shorter live-track histories than the S&P 500 itself.
  • Surrender lockup runs the full ten years with an MVA on amounts above the free-withdrawal allowance. This is a long-deferral commitment with interest-rate sensitivity on early exits — confirm with the carrier how the MVA is computed before any planned partial surrender, and do not buy on a horizon shorter than the surrender period.
  • This contract is NOT an income product. There is no Protected Income Value mechanism in this data, no GLWB rider, and no income enhancement — if a lifetime-income guarantee is the reason for the purchase, this is not the LibertyMark filing to evaluate.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider or a built-in Protected Income Value income mechanism, who want short-surrender liquidity, who want a plain MYGA-style declared rate, or who live in one of the states covered by the LibertyMark Freedom 10 LT sibling filing instead of this one — for those buyers, this is the wrong page to be reading.

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All crediting strategies

View rate listings (17 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 212% · 1-yr

SG Columbia Adaptive Risk Allocation Index

(with fee) · participation

10-yr surrenderDoes not vary by premium

Par: 209% · 1-yr

SG Lead Asset Select Exposure Rotation Index

(with fee) · participation

10-yr surrenderDoes not vary by premium

Par: 172% · 1-yr

SG Columbia Adaptive Risk Allocation Index

participation

10-yr surrenderDoes not vary by premium

Par: 169% · 1-yr

SG Lead Asset Select Exposure Rotation Index

participation

10-yr surrenderDoes not vary by premium

Par: 84% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee) · participation

10-yr surrenderDoes not vary by premium

Par: 68% · 1-yr

S&P 500 IQ 0.5% Decrement Index

participation

10-yr surrenderDoes not vary by premium

Cap: 21.65% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee) · cap

10-yr surrenderDoes not vary by premium

Cap: 12.55% · 1-yr

S&P 500 IQ 0.5% Decrement Index

cap

10-yr surrenderDoes not vary by premium

Cap: 10.35% · 1-yr

S&P 500 Index

(with fee) · cap

10-yr surrenderDoes not vary by premium

Cap: 8% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 291% · 2-yr

SG Columbia Adaptive Risk Allocation Index

(with fee) · participation

10-yr surrenderDoes not vary by premium

Par: 287% · 2-yr

SG Lead Asset Select Exposure Rotation Index

(with fee) · participation

10-yr surrenderDoes not vary by premium

Par: 237% · 2-yr

SG Columbia Adaptive Risk Allocation Index

participation

10-yr surrenderDoes not vary by premium

Par: 232% · 2-yr

SG Lead Asset Select Exposure Rotation Index

participation

10-yr surrenderDoes not vary by premium

Par: 79% · 2-yr

S&P 500 Index

(with fee) · participation

10-yr surrenderDoes not vary by premium

Par: 64% · 2-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about LibertyMark Freedom 10

● Can I lose money in LibertyMark Freedom 10?

A negative index return by itself does not reduce the contract's account value: LibertyMark Freedom 10 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do LibertyMark Freedom 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current LibertyMark Freedom 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Death benefit

Enhanced Death Benefit Rider

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.15%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

12%

Yr 2

11.5%

Yr 3

11%

Yr 4

10.5%

Yr 5

10%

Yr 6

9%

Yr 7

8%

Yr 8

7%

Yr 9

6%

Yr 10

5%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

AMERICO LIBERTY MARK-2.PDF

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

LibertyMark Freedom 10 currently shows 17 indexed or fixed crediting options, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8% annual cap
  • S&P 500 Index: 10.35% annual cap, Fee-bearing option, 1% annual strategy fee
  • S&P 500 Index: 64% 2-year participation rate
  • S&P 500 Index: 79% 2-year participation rate, Fee-bearing option, 1% annual strategy fee

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as AMERICO LIBERTY MARK-2.PDF help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how LibertyMark Freedom 10 compares for your age, state, premium, and income goals alongside other Americo fixed indexed annuity options.

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