---
title: On The Move - February 19, 2025 - Insurance Agency Marketing Services
description: Rates changing! Get the latest product and rate updates from our carrier partners.
---

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# On The Move – February 19, 2025

#### February 20, 2025 – Effective Date of Change

## Ibexis

#### **Fixed Indexed Annuity**

**FIA Plus 10 25,000+**

- 1 Year Fixed Account:  Rate: 3.9%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15% 
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.75% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10.5%  Floor -2.5% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 20.5%  Floor -15% 
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.5%  Floor -10% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 107%
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 161% Floor -5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 195% Floor -15% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 188% Floor -10% 
- :  Rate: 4.1%

**FIA Plus 10 100,000+**

- :  Rate: 4.3%
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 195% Floor -10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 202% Floor -15% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 168% Floor -5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 142% Floor -2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 114%
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 17.5%  Floor -10% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 21.5%  Floor -15% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 13.5%  Floor -5% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.5%  Floor -2.5% 
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.75% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor -5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100%
- 1 Year Fixed Account:  Rate: 4.1%

**FIA Plus 10 Premium Bonus 25,000+**

- Fixed Account:  Rate: 2.45%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 52%
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 4.75% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 60%
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 155% Floor 15% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 77% Floor 2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 102% Floor 5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 138% Floor 10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 154% Floor 15% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 5.75%  Floor 2.5% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 7%  Floor 5% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 12%  Floor 15% 
- Annual Declared Rate:  Rate: 2.65%
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 9.5%  Floor 10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 91% Floor 2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 139% Floor 10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 113% Floor 5% 

**FIA Plus 10 Premium Bonus 100,000+**

- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 120% Floor 5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 146% Floor 10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 98% Floor 2.5% 
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.5%  Floor 10% 
- Annual Declared Rate:  Rate: 2.85%
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 13%  Floor 15% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 8%  Floor 5% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.75%  Floor 2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 161% Floor 15% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 145% Floor 10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 109% Floor 5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 84% Floor 2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 162% Floor 15% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 67%
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.75% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 59%
- Fixed Account:  Rate: 2.65%

**FIA Plus 5 25,000+**

- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 131% Floor -2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 157% Floor -5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 184% Floor -10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 191% Floor -15% 
- 1 Year Fixed Rate Account:  Rate: 3.9%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93%
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 103%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10.5%  Floor -2.5% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 20.5%  Floor -15% 
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.5%  Floor -10% 
- :  Rate: 4.1%

**FIA Plus 5 100,000+**

- :  Rate: 4.3%
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 17.5%  Floor -10% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 21.5%  Floor -15% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 13.5%  Floor -5% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.5%  Floor -2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor -5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 110%
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100%
- 1 Year Fixed Rate Account:  Rate: 4.1%
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 198% Floor -15% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 191% Floor -10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 164% Floor -5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 138% Floor -2.5% 

**FIA Plus 5 Premium Bonus 25,000+**

- Annual Declared Rate:  Rate: 3.05%
- Fixed Account:  Rate: 2.85%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 67%
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.25% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 79%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 97% Floor 2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 121% Floor 5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 155% Floor 10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 174% Floor 15% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.5%  Floor 2.5% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 7.75%  Floor 5% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 12.75%  Floor 15% 
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.25%  Floor 10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 109% Floor 2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 133% Floor 5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 175% Floor 15% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 160% Floor 10% 

**FIA Plus 5 Premium Bonus 100,000+**

- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 167% Floor 10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 182% Floor 15% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 140% Floor 5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 116% Floor 2.5% 
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 11.25%  Floor 10% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 13.75%  Floor 15% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 8.75%  Floor 5% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 7.5%  Floor 2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 181% Floor 15% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 162% Floor 10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 128% Floor 5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 104% Floor 2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 86%
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.25% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 74%
- Fixed Account:  Rate: 3.05%
- Annual Declared Rate:  Rate: 3.25%

**FIA Plus 7 25,000+**

- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 161% Floor -5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 188% Floor -10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 195% Floor -15% 
- 1 Year Fixed Account:  Rate: 4.05%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15% 
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.5% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10.5%  Floor -2.5% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 20.5%  Floor -15% 
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.5%  Floor -10% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 107%
- Annual Declared Rate:  Rate: 4.25%

**FIA Plus 7 100,000+**

- Annual Declared Rate:  Rate: 4.45%
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 114%
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 17.5%  Floor -10% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 21.5%  Floor -15% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 13.5%  Floor -5% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.5%  Floor -2.5% 
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor 5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100%
- 1 Year Fixed Account:  Rate: 4.25%
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 202% Floor -15% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 195% Floor -10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 168% Floor -5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 142% Floor -2.5% 

**FIA Plus 7 Premium Bonus 25,000+**

- Annual Declared Rate:  Rate: 3.1%
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 106% Floor 2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 128% Floor 5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 154% Floor 10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 170% Floor 15% 
- Fixed Account:  Rate: 2.9%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 65%
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.25% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 78%
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 92% Floor 2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 118% Floor 5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 151% Floor 10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 169% Floor 15% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.5%  Floor 2.5% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 7.75%  Floor 5% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 12.75%  Floor 15% 
- S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.25%  Floor 10% 

**FIA Plus 7 Premium Bonus 100,000+**

- S&P 500 Annual PTP Cap with -10% Floor:  Cap 11.25%  Floor 10% 
- S&P 500 Annual PTP Cap with -15% Floor:  Cap 13.75%  Floor 15% 
- S&P 500 Annual PTP Cap with -5% Floor:  Cap 8.75%  Floor 5% 
- S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 7.5%  Floor 2.5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 176% Floor 15% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 158% Floor 10% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 125% Floor 5% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 99% Floor 2.5% 
- HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 85%
- S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.25% 
- Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 72%
- Fixed Account:  Rate: 3.1%
- HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 177% Floor 15% 
- HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 161% Floor 10% 
- HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 135% Floor 5% 
- HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor 2.5% 
- Annual Declared Rate:  Rate: 3.3%

**WealthDefender 10 25,000+**

- 1 Year Fixed Interest Strategy :  Rate: 4.3%
- S&P 500 1-Year Cap Rate:  Cap 8.5% 
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 78%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 112%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 81%
- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 122%

**WealthDefender 10 100,000+**

- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 131%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 87%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 121%
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 84%
- S&P 500 1-Year Cap Rate:  Cap 9.5% 
- 1 Year Fixed Interest Strategy :  Rate: 4.5%

**WealthDefender 5 25,000+**

- 1 Year Fixed Interest Strategy :  Rate: 4%
- S&P 500 1-Year Cap Rate:  Cap 8.25% 
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 104%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 74%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 77%
- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 114%

**WealthDefender 5 100,000+**

- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 123%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 83%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 113%
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 80%
- S&P 500 1-Year Cap Rate:  Cap 9.25% 
- 1 Year Fixed Interest Strategy :  Rate: 4.2%

**WealthDefender 7 25,000+**

- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 114%
- S&P 500 1-Year Cap Rate:  Cap 8.25% 
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 74%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 104%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 77%
- 1 Year Fixed Interest Strategy :  Rate: 4.1%

**WealthDefender 7 100,000+**

- 1 Year Fixed Interest Strategy :  Rate: 4.3%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 83%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 113%
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 80%
- S&P 500 1-Year Cap Rate:  Cap 9.25% 
- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 123%

**WealthDefender Bonus 10 25,000+**

- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 79%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62%
- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 89%
- 1 Year Fixed Interest Strategy :  Rate: 3%
- S&P 500 1-Year Cap Rate:  Cap 5.25% 
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 58%

**WealthDefender Bonus 10 100,000+**

- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64%
- S&P 500 1-Year Cap Rate:  Cap 6.25% 
- 1 Year Fixed Interest Strategy :  Rate: 3.2%
- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 98%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 88%

**WealthDefender Bonus 5 25,000+**

- 1 Year Fixed Interest Strategy :  Rate: 2.85%
- S&P 500 1-Year Cap Rate:  Cap 6% 
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 86%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 67%
- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 94%

**WealthDefender Bonus 5 100,000+**

- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 103%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 73%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 95%
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 70%
- S&P 500 1-Year Cap Rate:  Cap 7% 
- 1 Year Fixed Interest Strategy :  Rate: 3.05%

**WealthDefender Bonus 7 25,000+**

- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 91%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 83%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62%
- 1 Year 1Fixed Interest Strategy :  Rate: 3%
- S&P 500 1-Year Cap Rate:  Cap 5.75% 
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 59%

**WealthDefender Bonus 7 100,000+**

- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 65%
- S&P 500 1-Year Cap Rate:  Cap 6.75% 
- 1 Year 1Fixed Interest Strategy :  Rate: 3.2%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 92%
- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 100%

**WealthDefender Bonus Plus 10 25,000+**

- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 89%
- 1 Year Fixed Interest Strategy :  Rate: 3%
- S&P 500 1-Year Cap Rate:  Cap 5.25% 
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 58%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 79%
- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62%

**WealthDefender Bonus Plus 10 100,000+**

- Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68%
- Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 88%
- Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64%
- S&P 500 1-Year Cap Rate:  Cap 6.25% 
- 1 Year Fixed Interest Strategy :  Rate: 3.2%
- Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 98%

#### February 21, 2025 – Effective Date of Change

## Americo

**MYGA**

- **Platinum Assure 2 **25,000+  4.65%
- **Platinum Assure 3 **25,000+  4.95%
- **Platinum Assure 4 **25,000+  5.30%
- **Platinum Assure 5 **25,000+  5.45%
- **Platinum Assure 5 CA **25,000+  5.45%
- **Platinum Assure 6 **25,000+  5.50%
- **Platinum Assure 7 **25,000+  5.55%

## Americo (Legacy)

#### Fixed Indexed Annuity

**ClassicMark 10 10,000+**

- 5-Year FUSION Strategy Fixed Rate On Gain (Part A):  Cap 6% 
- 5-Year FUSION Strategy Participation Rate (Part B):  Part Rate 133%
- 1-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR:  Part Rate 181%
- 1-Year S&P 500 Point-to-Point :  Cap 8.85% 
- 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 74%
- 1 Year Declared Interest Option:  Rate: 4.4%
- 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 14.05% 
- 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 73%
- 1-Yr SG Laser Index Point to Point with Participation:  Part Rate 179%
- 2-Yr SG Laser Index Point to Point with Participation:  Part Rate 248%
- 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 250%
- 1-Year Gold Point to Point with Participation:  Part Rate 52%

**ClassicMark 10 Plus 10,000+**

- 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 218%
- 1-Year Gold Point to Point with Participation:  Part Rate 46%
- 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 11.35% 
- 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 64%
- 1-Yr SG Laser Index Point to Point with Participation:  Part Rate 158%
- 2-Yr SG Laser Index Point to Point with Participation:  Part Rate 219%
- 1-Year S&P 500 Point-to-Point :  Cap 7.75% 
- 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 65%
- 1 Year Declared Interest Option:  Rate: 3.9%
- 1-Year SG Columbia Adaptive Risk Allocation Point-to-point W/PR :  Part Rate 158%
- 5-Year FUSION Strategy Fixed Rate On Gain (Part A) :  Cap 5% 
- 5-Year FUSION Strategy Participation Rate (Part B) :  Part Rate 127%

**LibertyMark Freedom 10 10,000+**

- 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 14.4% 
- 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 73%
- 1-Yr S&P 500 IQ Index Point to Point Participation with Fee:  Part Rate 102%
- 1-Yr S&P 500 PTP w/Cap:  Cap 8.65% 
- 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 14.25% 
- 2-Yr S&P 500 PTP w/Par :  Part Rate 74%
- 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 103%
- 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 185%
- 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 255%
- 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 255%
- 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 352%
- 1-Yr SG Laser Index PTP w/ Par:  Part Rate 181%
- 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 252%
- 2-Yr SG Laser Index PTP w/ Par:  Part Rate 251%
- 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 348%
- 1 Year Declaired Interest Rate:  Rate: 4.6%

**LibertyMark Freedom 10 Plus 10,000+**

- 1 Year Declared Interest Rate:  Rate: 3.3%
- 1-Yr S&P 500 PTP w/Cap:  Cap 6.55% 
- 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 10.75% 
- 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 84%
- 2-Yr S&P 500 PTP w/Par :  Part Rate 55%
- 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 83%
- 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 135%
- 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 205%
- 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 185%
- 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 282%
- 1-Yr SG Laser Index PTP w/ Par:  Part Rate 135%
- 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 205%
- 2-Yr SG Laser Index PTP w/ Par:  Part Rate 186%
- 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 284%
- 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 8.8% 
- 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 54%

**LibertyMark Freedom 7 10,000+**

- 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 12.95% 
- 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 69%
- 1-Yr S&P 500 IQ Index Point to Point Participation with Fee:  Part Rate 94%
- 1-Yr S&P 500 PTP w/Cap:  Cap 8.45% 
- 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 12.9% 
- 2-Yr S&P 500 PTP w/Par :  Part Rate 70%
- 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 95%
- 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 173%
- 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 233%
- 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 239%
- 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 321%
- 1-Yr SG Laser Index PTP w/ Par:  Part Rate 171%
- 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 232%
- 2-Yr SG Laser Index PTP w/ Par:  Part Rate 237%
- 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 320%
- 1 Year Declared Interest Rate:  Rate: 4.25%

#### Author:Webmaster

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