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Fixed Indexed Annuity

LibertyMark Freedom 7

Americo

11.85%

Best Cap

10%

Free W/D

47

Jurisdictions

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 cap rate

11.85% cap on S&P 500

A seven-year-surrender fixed indexed annuity from an A-rated carrier, built for accumulation rather than rider income — pairing a no-fee S&P 500 annual cap with participation-rate strategies on two SG proprietary indexes and an S&P 500 IQ Decrement variant, each offered in both no-fee and 'Enhanced with Allocation Charge' fee-bearing versions.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a shorter seven-year surrender commitment than the carrier's longer LibertyMark Freedom filings, are comfortable with index-linked crediting through both recognizable S&P 500 cap exposure and proprietary participation-rate strategies, and do not need a guaranteed lifetime-income rider attached to the contract.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

47 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.95% cap rate

S&P 500

S&P 500 Index

10.3% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

11.85% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

18.5% cap rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

66% participation rate

S&P 500

S&P 500 IQ 0.5% Decrement Index

82% participation rate

S&P 500

S&P 500 Index

61% participation rate

S&P 500

S&P 500 Index

77% participation rate

Fixed Account

Fixed Account

4% 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

  • Surrender term is seven years rather than the ten-year lockup common on this carrier's other LibertyMark Freedom filings (Freedom 10 and Freedom 10 LT), so a buyer who wants the same crediting menu with a shorter commitment window can choose this filing.
  • Index menu spans a recognizable-benchmark cap on the S&P 500 alongside participation-rate strategies on two proprietary multi-asset indexes (SG Columbia Adaptive Risk Allocation and SG Lead Asset Select Exposure Rotation) and on an S&P 500 IQ Decrement variant, so buyers can hold both a like-for-like S&P comparison and higher-participation alternatives inside one allocation.
  • Most index strategies are offered in both a one-year and a two-year crediting cadence, giving a buyer the choice between annual reset and a multi-year participation point — useful for shaping volatility exposure inside the contract.
  • The free-withdrawal allowance, the full surrender ladder, the market-value-adjustment flag, and the nursing-home surrender-charge waiver are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached and the riders section is empty — do not compare its payout side-by-side with a rider-led income FIA, and do not read the 'Freedom' branding as an income promise.
  • Each base index strategy is paired with an 'Enhanced with Allocation Charge' variant that publishes a higher cap or participation rate in exchange for an annual strategy fee deducted regardless of index performance. The higher headline number on the fee-bearing strategy is not directly comparable to the no-fee strategy at face value — read the fee column before reading the rate.
  • Several index options are proprietary, volatility-controlled or decrement-style indexes (the SG Columbia Adaptive Risk Allocation, the SG Lead Asset Select Exposure Rotation, and the S&P 500 IQ Decrement variants). Their published participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and most have shorter live-track histories than the S&P 500 itself — evaluate each on its own merits.
  • Carrier financial-strength on this page is from a single agency (A.M. Best). There is no second-agency rating shown for cross-verification, so the strength view is a single-source read.
  • The contract carries a market-value adjustment on amounts above the free-withdrawal allowance for the full seven-year surrender term — confirm with the carrier how the MVA is computed before any planned partial surrender, and read the surrender ladder on this page rather than assuming it declines smoothly.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB income rider, want a plain MYGA-style declared rate for the full term, need short-surrender liquidity inside the first few years without MVA, or expect a death-benefit rollup beyond return of premium — none of those are what this contract is built to deliver.

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: 204% · 1-yr

SG Columbia Adaptive Risk Allocation Index

(with fee) · participation

7-yr surrender

Par: 203% · 1-yr

SG Lead Asset Select Exposure Rotation Index

(with fee) · participation

7-yr surrender

Par: 165% · 1-yr

SG Columbia Adaptive Risk Allocation Index

participation

7-yr surrender

Par: 163% · 1-yr

SG Lead Asset Select Exposure Rotation Index

participation

7-yr surrender

Par: 82% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee) · participation

7-yr surrender

Par: 66% · 1-yr

S&P 500 IQ 0.5% Decrement Index

participation

7-yr surrender

Cap: 18.5% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee) · cap

7-yr surrender

Cap: 11.85% · 1-yr

S&P 500 IQ 0.5% Decrement Index

cap

7-yr surrender

Cap: 10.3% · 1-yr

S&P 500 Index

(with fee) · cap

7-yr surrender

Cap: 7.95% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 281% · 2-yr

SG Columbia Adaptive Risk Allocation Index

(with fee) · participation

7-yr surrender

Par: 280% · 2-yr

SG Lead Asset Select Exposure Rotation Index

(with fee) · participation

7-yr surrender

Par: 226% · 2-yr

SG Columbia Adaptive Risk Allocation Index

participation

7-yr surrender

Par: 224% · 2-yr

SG Lead Asset Select Exposure Rotation Index

participation

7-yr surrender

Par: 77% · 2-yr

S&P 500 Index

(with fee) · participation

7-yr surrender

Par: 61% · 2-yr

S&P 500 Index

participation

7-yr surrender

Par: 204% · 1-yr

SG Columbia Adaptive Risk Allocation Index

(with fee)

Par: 203% · 1-yr

SG Lead Asset Select Exposure Rotation Index

(with fee)

Par: 165% · 1-yr

SG Columbia Adaptive Risk Allocation Index

Par: 163% · 1-yr

SG Lead Asset Select Exposure Rotation Index

Par: 82% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee)

Par: 66% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Cap: 18.5% · 1-yr

S&P 500 IQ 0.5% Decrement Index

(with fee)

Cap: 11.85% · 1-yr

S&P 500 IQ 0.5% Decrement Index

Cap: 10.3% · 1-yr

S&P 500 Index

(with fee)

Cap: 7.95% · 1-yr

S&P 500 Index

Fixed: 4% · 1-yr

Fixed Account

Par: 281% · 2-yr

SG Columbia Adaptive Risk Allocation Index

(with fee)

Par: 280% · 2-yr

SG Lead Asset Select Exposure Rotation Index

(with fee)

Par: 226% · 2-yr

SG Columbia Adaptive Risk Allocation Index

Par: 224% · 2-yr

SG Lead Asset Select Exposure Rotation Index

Par: 77% · 2-yr

S&P 500 Index

(with fee)

Par: 61% · 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%

Yr 2

8.5%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

libertymarkseries.pdf

Confidence: highReviewed Apr 5, 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 7 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: 7.95% cap
  • S&P 500 Index: 10.3% cap
  • S&P 500 IQ 0.5% Decrement Index: 11.85% 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
  • 7 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as libertymarkseries.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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