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A member of LifeMark Partners
* Interest rates are subject to change without notice in the current environment – call 800.496.3572 to confirm rates!
Guaranteed Rate Annuities
Company Liberty Life
Product Freedom Series 5
AM Best Rating A
Guarantee Period 5 Year(s)
Premium Bands $100k+ $10k++  $5,000   
1st Year Rate 4.65% 4.50%  4.25%   
Rate Year 2 - end of guarantee period 1.65% 1.50%  1.25%   
Average Yield to end of Surrender Period 2.25% 2.10%  1.85%   
1st Year Bonus 3.00% 3.00%  3.00%   
Interest Rate Notes Rates shown include 2.00% first year bonus, plus an additional 1.00% for waiving the Return Of Premium provision.
Rate Lock 60 days
Maximum Premium $500,000 without prior home office approval
Minimum Premium $5,000 Qualified & Non-qualified
Premium Type Single
Minimum Additions N/A
TSA Loan Provision N/A
Minimum Contractual Interest Rates Varies By State - Please call.
Maximum Issue Age 85 Qualified & Non-Qualified
Surrender Charges as a percentage of Account Value by Year 5 Years  7,7,7,6,5,0%
Surrender Charge Notes -
MVA No
Window No
Free Withdrawals 10% Per Year CUMULATIVE UP TO 20%! Minimum $5,000 must be maintained.
Surrender Charge at Death No
Nursing Home Surrender Charge Waiver Yes:
Covers the owner AND the owners spouse. If either has a qualifing medical stay for 45 days out of a continous 60 day period, or if either is unable to perform 2 of 6 activities of daily living, the account value may be withdrawn partially or in full without withdrawal charge.
Terminal Illness Surrender Charge Waiver Yes:
Covers the owner AND the owners spouse. If either is declared terminally ill the account value may be withdrawn partially or in full without withdrawal charge.
Unemployment Surrender Charge Waiver N/A
Annuitization Waiver -
Action at end of Term None
Comments
Commission Schedule
3.50%
1.50%

00-80
81-85

Commission Notes
Product Availability by State Not Available in ME OR UT
New Business Forms Click Here
Contracting Forms Click Here
Client Sales Literature Freedom Series 5 Client Sales Literature
Agent Sales Literature
Freedom Series 5 Agent Sales Literature
VitalSigns - Company Financials Click Here    
Company News Announcements
Request an Illustration Click Here
Print this Chart Click Here  
 

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Please call IPG for current availability. Securities offered through CUE® Member NASD and SIPC. Photographs by Peter Haigh.