--- title: On The Move - January 28, 2025 - Insurance Agency Marketing Services description: Rates changing! Get the latest product and rate updates from our carrier partners. --- CALL US: 800.255.5055 [Login](http://www.iamsinc.com/wp-login.php) [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [Linkedin](https://www.linkedin.com/organization/2128303/) [YouTube](https://www.youtube.com/user/IAMSinc) [![Insurance Agency Marketing Services](https://blog.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_240x52.png?width=240&height=52&name=IAMS-Logo_240x52.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - 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[AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # On The Move – January 28, 2025 #### January 29, 2024 – Effective Date of Change ## Americo #### **Fixed Indexed Annuity** **ClassicMark 10 10,000+** - 1-Year S&P 500 Point-to-Point :  Cap 8.6%  - 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 71% - 1 Year Declared Interest Option:  Rate: 4.3% - 5-Year FUSION Strategy Fixed Rate On Gain (Part A):  Cap 6%  - 5-Year FUSION Strategy Participation Rate (Part B):  Part Rate 128% - 1-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR:  Part Rate 177% - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 13.35%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 70% - 1-Yr SG Laser Index Point to Point with Participation:  Part Rate 175% - 2-Yr SG Laser Index Point to Point with Participation:  Part Rate 243% - 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 245% - 1-Year Gold Point to Point with Participation:  Part Rate 53% **ClassicMark 10 Plus 10,000+** - 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 213% - 1-Year Gold Point to Point with Participation:  Part Rate 47% - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 10.8%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 62% - 1-Yr SG Laser Index Point to Point with Participation:  Part Rate 154% - 2-Yr SG Laser Index Point to Point with Participation:  Part Rate 214% - 5-Year FUSION Strategy Fixed Rate On Gain (Part A) :  Cap 5%  - 5-Year FUSION Strategy Participation Rate (Part B) :  Part Rate 122% - 1-Year S&P 500 Point-to-Point :  Cap 7.5%  - 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 63% - 1 Year Declared Interest Option:  Rate: 3.8% - 1-Year SG Columbia Adaptive Risk Allocation Point-to-point W/PR :  Part Rate 154% **LibertyMark Freedom 10 10,000+** - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 13.65%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 71% - 1-Yr S&P 500 IQ Index Point to Point Participation with Fee:  Part Rate 100% - 1-Yr S&P 500 PTP w/Cap:  Cap 8.35%  - 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 13.7%  - 2-Yr S&P 500 PTP w/Par :  Part Rate 72% - 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 100% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 181% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 251% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 250% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 347% - 1-Yr SG Laser Index PTP w/ Par:  Part Rate 177% - 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 248% - 2-Yr SG Laser Index PTP w/ Par:  Part Rate 246% - 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 344% - 1 Year Declaired Interest Rate:  Rate: 4.5% **LibertyMark Freedom 10 Plus 10,000+** - 1 Year Declared Interest Rate:  Rate: 3.2% - 1-Yr S&P 500 PTP w/Cap:  Cap 6.3%  - 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 10.35%  - 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 81% - 2-Yr S&P 500 PTP w/Par :  Part Rate 53% - 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 81% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 130% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 201% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 180% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 277% - 1-Yr SG Laser Index PTP w/ Par:  Part Rate 131% - 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 201% - 2-Yr SG Laser Index PTP w/ Par:  Part Rate 181% - 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 279% - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 8.35%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 52% **LibertyMark Freedom 7 10,000+** - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 12.3%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 67% - 1-Yr S&P 500 IQ Index Point to Point Participation with Fee:  Part Rate 92% - 1-Yr S&P 500 PTP w/Cap:  Cap 8.2%  - 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 12.45%  - 2-Yr S&P 500 PTP w/Par :  Part Rate 68% - 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 92% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 169% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 229% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 234% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 317% - 1-Yr SG Laser Index PTP w/ Par:  Part Rate 167% - 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 228% - 2-Yr SG Laser Index PTP w/ Par:  Part Rate 232% - 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 316% - 1 Year Declaired Interest Rate:  Rate: 4.15% #### Author:Webmaster [Next Are You Ready for SECURE Act 2.0 Provisions Coming in 2025?](https://blog.iamsinc.com/are-you-ready-for-secure-act-2-0-provisions-taking-effect-in-2025) [Previous Ascend Is Over, But Your Journey Is Just Beginning](https://blog.iamsinc.com/ascend-is-over-but-your-journey-is-just-beginning) ### Recent Posts ### Insurance Agency Marketing Services, Inc. 505 North 210th Street, Elkhorn, NE 68022 (800) 255-5055 (402) 330-7296 [contact@iamsinc.com](mailto:contact@iamsinc.com) ### Marketing Corner ### Our Location ### Follow us Find us on: [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [YouTube](https://www.youtube.com/user/IAMSinc) [Linkedin](https://www.linkedin.com/company/insurance-agency-marketing/) Search: ©2025 Insurance Agency Marketing Services, Inc. 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