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Fixed Indexed Annuity

LibertyMark Freedom 10 LT

Americo

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8%

Best S&P 500 Annual Cap

10%

Free W/D

20

Available states

Product data status: July 16, 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 LT 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 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$258,904
Est. value at age 80 (LibertyMark Freedom 10 LT)
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 LT'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 16, 2026.

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See how LibertyMark Freedom 10 LT 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 LT

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

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

8% 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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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 (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

  • 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 27 jurisdictions served by the other LibertyMark Freedom 10 filing will see that product instead — same product family, different filing rules by state.

Not ideal for

Buyers who need lifetime-income guarantees (no rider and no PIV design here — the sibling Americo income products are separate filings), short-surrender liquidity, or a plain MYGA-style declared rate. Buyers in the 27 jurisdictions served by the sibling LibertyMark Freedom 10 should use that filing instead.

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

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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: 19.9% · 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 LT

● Can I lose money in LibertyMark Freedom 10 LT?

A negative index return by itself does not reduce the contract's account value: LibertyMark Freedom 10 LT 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 LT's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current LibertyMark Freedom 10 LT 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

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 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-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

Free Comparison Report

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

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