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Fixed Indexed Annuity

LibertyMark Freedom 10 LT

Americo

12.55%

Best Cap

10%

Free W/D

20

States

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

12.55% cap on S&P 500

An A-rated, accumulation-focused 10-year fixed indexed annuity from Americo — the 20-state filing of the LibertyMark Freedom 10 family — with a vanilla S&P 500 annual cap alongside 2-year participation, decrement-index, and proprietary participation-rate strategies, plus optional fee-bearing uplift variants.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers in the 20-jurisdiction filing footprint who want pure FIA accumulation with downside protection, a recognizable S&P 500 cap option for like-for-like comparison, and the option to elect proprietary or fee-bearing strategies for more participation — and who can commit to the 10-year surrender period.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

20 states

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8% cap rate

S&P 500

S&P 500 Index

10.35% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

12.55% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

19.9% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

68% participation rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

84% participation rate

S&P 500

S&P 500 Index

64% participation rate

S&P 500

S&P 500 Index

79% participation rate

Fixed Account

Fixed Account

4.25% declared rate

+ 8 volatility-controlled index options (SG Columbia, SG Lead...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Accumulation-focused fixed indexed annuity with no income rider and no Protected Income Value mechanism — growth is the entire job of the contract, so the comparison story stays simple.
  • Strategy menu spans a vanilla S&P 500 annual point-to-point cap, a 2-year S&P 500 participation strategy, a decrement-index option, and two proprietary SG-indexed participation strategies — buyers who want like-for-like S&P 500 cap exposure and buyers who want higher-participation alternatives both have an option.
  • Each capacity strategy has an optional fee-bearing 'with fee' variant that lifts the cap or participation rate in exchange for an explicit allocation charge — the structure is transparent and the buyer chooses whether to pay for the uplift.
  • Annual free withdrawal allowance and the full surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • This contract is NOT an income product — there is no GLWB rider, no Protected Income Value chassis, and no income rollup. Do not compare its growth headline against a rider-led product's lifetime payout; the two answer different questions.
  • Several of the higher-rate strategies are 2-year crediting (your gain is locked in once every two years, not annually) or proprietary volatility-controlled indexes — their participation rates look high in absolute terms but are not directly comparable to a vanilla S&P 500 annual cap. Evaluate each strategy on its own terms.
  • The 10-year surrender schedule is steep in the early contract years and grades down toward zero; there is also a Market Value Adjustment on excess withdrawals. Buyers who may need liquidity inside ten years should weigh the schedule carefully.
  • This is the 'LT' filing, available in a complementary set of 20 jurisdictions. Buyers in the other Americo LibertyMark Freedom 10 filing states (the 27-jurisdiction sibling, A002ZR) will see that product instead — same product family, different filing rules per state.

Not ideal for

Buyers who need lifetime-income guarantees (no rider and no PIV chassis here — the sibling Americo income products are separate filings), short-surrender liquidity, or a plain MYGA-style declared rate. Buyers in the 27-jurisdiction states served by the sibling LibertyMark Freedom 10 (A002ZR) — that filing applies there.

All crediting strategies

View rate listings (34 rows)

These are the current crediting strategy listings returned 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 surrender

Par: 209% · 1-yr

SG Lead Asset Select Exposure Rotation Index

(with fee) · participation

10-yr surrender

Par: 172% · 1-yr

SG Columbia Adaptive Risk Allocation Index

participation

10-yr surrender

Par: 169% · 1-yr

SG Lead Asset Select Exposure Rotation Index

participation

10-yr surrender

Par: 84% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee) · participation

10-yr surrender

Par: 68% · 1-yr

S&P 500 IQ 0.5% Decrement Index

participation

10-yr surrender

Cap: 19.9% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee) · cap

10-yr surrender

Cap: 12.55% · 1-yr

S&P 500 IQ 0.5% Decrement Index

cap

10-yr surrender

Cap: 10.35% · 1-yr

S&P 500 Index

(with fee) · cap

10-yr surrender

Cap: 8% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 291% · 2-yr

SG Columbia Adaptive Risk Allocation Index

(with fee) · participation

10-yr surrender

Par: 287% · 2-yr

SG Lead Asset Select Exposure Rotation Index

(with fee) · participation

10-yr surrender

Par: 237% · 2-yr

SG Columbia Adaptive Risk Allocation Index

participation

10-yr surrender

Par: 232% · 2-yr

SG Lead Asset Select Exposure Rotation Index

participation

10-yr surrender

Par: 79% · 2-yr

S&P 500 Index

(with fee) · participation

10-yr surrender

Par: 64% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 212% · 1-yr

SG Columbia Adaptive Risk Allocation Index

(with fee)

Par: 209% · 1-yr

SG Lead Asset Select Exposure Rotation Index

(with fee)

Par: 172% · 1-yr

SG Columbia Adaptive Risk Allocation Index

Par: 169% · 1-yr

SG Lead Asset Select Exposure Rotation Index

Par: 84% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee)

Par: 68% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Cap: 19.9% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee)

Cap: 12.55% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Cap: 10.35% · 1-yr

S&P 500 Index

(with fee)

Cap: 8% · 1-yr

S&P 500 Index

Fixed: 4.25% · 1-yr

Fixed Account

Par: 291% · 2-yr

SG Columbia Adaptive Risk Allocation Index

(with fee)

Par: 287% · 2-yr

SG Lead Asset Select Exposure Rotation Index

(with fee)

Par: 237% · 2-yr

SG Columbia Adaptive Risk Allocation Index

Par: 232% · 2-yr

SG Lead Asset Select Exposure Rotation Index

Par: 79% · 2-yr

S&P 500 Index

(with fee)

Par: 64% · 2-yr

S&P 500 Index

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.15%

Strategy guarantee

Minimum guaranteed participation: 5.00%

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

9.2%

Yr 2

9.2%

Yr 3

8.2%

Yr 4

7.2%

Yr 5

6.2%

Yr 6

5.2%

Yr 7

4.2%

Yr 8

3.1%

Yr 9

2.1%

Yr 10

1%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

AMERICO LIBERTY MARK-3.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 LT currently shows 17 distinct indexed or fixed crediting choices across 34 current rate listings, including S&P 500 Index and S&P 500 IQ 0.5% Decrement Index, with 8 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8% cap
  • S&P 500 Index: 10.35% cap
  • S&P 500 IQ 0.5% Decrement Index: 12.55% cap

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-3.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

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