--- title: On The Move - November 28, 2023 - Insurance Agency Marketing Services description: Rates changing! Get the latest product and rate updates from our carrier partners. --- [IAMS Blog](https://blog.iamsinc.com) # [On The Move - November 28, 2023 - Insurance Agency Marketing Services](https://blog.iamsinc.com/on-the-move-nov-28-2023) Written by [Webmaster](https://blog.iamsinc.com/author/webmaster) | Nov 28, 2023 10:48:42 AM #### November 29, 2023 Effective Date of Change ## Americo (Legacy) #### Fixed Indexed Annuity **ClassicMark 10 10,000+** - 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 263% - 1-Year Gold Point to Point with Participation:  Part Rate 58% - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 15.500%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 76% - 1-Yr SG Laser Index Point to Point with Participation:  Part Rate 189% - 2-Yr SG Laser Index Point to Point with Participation:  Part Rate 261% - 1-Year S&P 500 Point-to-Point :  Cap 9.100%  - 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 75% - 1-Year Morgan Stanley TEBI Point-to-Point :  Part Rate 145% - 2-Year Morgan Stanley TEBI Point-to-Point :  Part Rate 200% - Declared Interest Option:  Rate: 4.60% - 5-Year FUSION Strategy Fixed Rate On Gain (Part A):  Cap 6.000%  - 5-Year FUSION Strategy Participation Rate (Part B):  Part Rate 152% - 1-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR:  Part Rate 191% **ClassicMark 10 Plus 10,000+** - 5-Year FUSION Strategy Fixed Rate On Gain (Part A) :  Cap 5.000%  - 5-Year FUSION Strategy Participation Rate (Part B) :  Part Rate 146% - 1-Year S&P 500 Point-to-Point :  Cap 8.000%  - 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 67% - 1-Year Morgan Stanley TEBI Point-to-Point :  Part Rate 126% - 2-Year Morgan Stanley TEBI Point-to-Point:  Part Rate 174% - Declared Interest Option:  Rate: 4.10% - 1-Year SG Columbia Adaptive Risk Allocation Point-to-point W/PR :  Part Rate 168% - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 12.500%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 68% - 1-Yr SG Laser Index Point to Point with Participation:  Part Rate 168% - 2-Yr SG Laser Index Point to Point with Participation:  Part Rate 232% - 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 231% - 1-Year Gold Point to Point with Participation:  Part Rate 52% **LibertyMark Freedom 10 10,000+** - 1-Yr S&P 500 PTP w/Cap:  Cap 9.000%  - 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 14.250%  - 1-Yr S&P 500 PTP w/Par:  Part Rate 53% - 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 72% - 2-Yr S&P 500 PTP w/Par :  Part Rate 76% - 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 104% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 195% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 265% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 269% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 366% - 1-Yr SG Laser Index PTP w/ Par:  Part Rate 191% - 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 262% - 2-Yr SG Laser Index PTP w/ Par:  Part Rate 264% - 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 363% - Declaired Interest Rate:  Rate: 4.80% - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 16.000%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 77% - 1-Yr S&P 500 IQ Index Point to Point Participation with Fee:  Part Rate 106% **LibertyMark Freedom 10 Plus 10,000+** - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 10.000%  - 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 58% - 1-Yr S&P 500 IQ Index Point to Point Participation with Fee:  Part Rate 87% - Declaired Interest Rate:  Rate: 3.50% - 1-Yr S&P 500 PTP w/Cap:  Cap 7.000%  - 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 11.000%  - 1-Yr S&P 500 PTP w/Par:  Part Rate 40% - 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 60% - 2-Yr S&P 500 PTP w/Par :  Part Rate 57% - 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 85% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 144% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 214% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 198% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 296% - 1-Yr SG Laser Index PTP w/ Par:  Part Rate 144% - 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 215% - 2-Yr SG Laser Index PTP w/ Par:  Part Rate 199% - 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 298% **LibertyMark Freedom 7 10,000+** - 1-Yr S&P 500 PTP w/Cap:  Cap 8.650%  - 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 13.000%  - 1-Yr S&P 500 PTP w/Par:  Part Rate 50% - 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 67% - 2-Yr S&P 500 PTP w/Par :  Part Rate 72% - 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 96% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 182% - 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 243% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 252% - 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 335% - 1-Yr SG Laser Index PTP w/ Par:  Part Rate 181% - 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 242% - 2-Yr SG Laser Index PTP w/ Par:  Part Rate 250% - 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 335% - Declaired Interest Rate:  Rate: 4.45% - 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 14.250%  - 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 98% ## Aspida #### Fixed Indexed Annuity **Synergy Choice Max 10 25,000+** - 1-Year Fixed Account Rate:  Rate: 5.00% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 10.750%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 19.500%  - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 62% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 90% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 128% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 270% **Synergy Choice Max 10 100,000+** - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 285% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 135% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 210% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 95% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 65% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 70% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 21.000%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.500%  - 1-Year Fixed Account Rate:  Rate: 5.25% **Synergy Choice Max 5 25,000+** - 1-Year Fixed Account Rate:  Rate: 5.00% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 10.750%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 18.250%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 57% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 64% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 85% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 123% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 265% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 195% **Synergy Choice Max 5 100,000+** - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 205% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 280% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 130% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 90% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 60% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 19.750%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.500%  - 1-Year Fixed Account Rate:  Rate: 5.25% **WealthLock Accumulator 10 25,000+** - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 62% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67% - 1-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 195% - 2-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 270% - 5-Year Franklin Factors US High Watermark Participation Rate :  Part Rate 220% - 1-Year Janus SG Lighthouse Point to Point Participation Rate :  Part Rate 120% - 2-Year Janus SG Lighthouse Point to Point Participation Rate:  Part Rate 165% - 5-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 400% - 2-Year Invesco Peak Point to Point Participation Rate :  Part Rate 265% - 1-Year Invesco Peak Point to Point Participation Rate :  Part Rate 195% - 1-Year Fixed Account Rate:  Rate: 5.00% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.250%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 19.500%  **WealthLock Accumulator 10 100,000+** - 2-Year S&P 500 Point to Point Cap Rate:  Cap 21.000%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.750%  - 1-Year Fixed Account Rate:  Rate: 5.25% - 1-Year Invesco Peak Point to Point Participation Rate :  Part Rate 205% - 2-Year Invesco Peak Point to Point Participation Rate :  Part Rate 280% - 5-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 425% - 2-Year Janus SG Lighthouse Point to Point Participation Rate:  Part Rate 175% - 1-Year Janus SG Lighthouse Point to Point Participation Rate :  Part Rate 125% - 5-Year Franklin Factors US High Watermark Participation Rate :  Part Rate 235% - 2-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 285% - 1-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 205% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 70% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 65% **WealthLock Accumulator 7 25,000+** - 1-Year Fixed Account Rate:  Rate: 5.25% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.750%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 19.250%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 57% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 66% - 1-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 190% - 5-Year Franklin Factors US High Watermark Participation Rate :  Part Rate 215% - 1-Year Invesco Peak Point to Point Participation Rate :  Part Rate 185% - 2-Year Invesco Peak Point to Point Participation Rate :  Part Rate 260% - 2-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 260% - 1-Year Janus SG Lighthouse Point to Point Participation Rate :  Part Rate 115% - 2-Year Janus SG Lighthouse Point to Point Participation Rate:  Part Rate 160% - 5-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 390% **WealthLock Accumulator 7 100,000+** - 5-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 415% - 2-Year Janus SG Lighthouse Point to Point Participation Rate:  Part Rate 170% - 1-Year Janus SG Lighthouse Point to Point Participation Rate :  Part Rate 120% - 2-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 275% - 2-Year Invesco Peak Point to Point Participation Rate :  Part Rate 275% - 1-Year Invesco Peak Point to Point Participation Rate :  Part Rate 195% - 5-Year Franklin Factors US High Watermark Participation Rate :  Part Rate 230% - 1-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 200% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 69% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 60% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 20.750%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 12.500%  - 1-Year Fixed Account Rate:  Rate: 5.50% #### MYGA - **Synergy Choice 2 **25,000+  4.85% - **Synergy Choice 2 **100,000+  5.00% - **Synergy Choice 3 **25,000+  5.55% - **Synergy Choice 3 **100,000+  5.70% - **Synergy Choice 5 **25,000+  5.65% - **Synergy Choice 5 **100,000+  5.80% - **Synergy Choice 7 **25,000+  5.65% - **Synergy Choice 7 **100,000+  5.80% ## Lincoln Financial Group #### MYGA - **Lincoln MYGuarantee Plus 5 **10,000+  4.95% - **Lincoln MYGuarantee Plus 5 **100,000+  5.40% - **Lincoln MYGuarantee Plus 7 **10,000+  4.95% - **Lincoln MYGuarantee Plus 7 **100,000+  5.40% [View full post](https://blog.iamsinc.com/on-the-move-nov-28-2023) ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Webmaster" }, "dateModified" : "2025-04-15T17:48:25.821Z", "datePublished" : "2023-11-28T10:48:42Z", "headline" : "On The Move – November 28, 2023", "image" : { "@type" : "ImageObject", "height" : 60, "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png", "width" : 60 }, "mainEntityOfPage" : "https://blog.iamsinc.com/on-the-move-nov-28-2023", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "height" : 60, "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png", "width" : 60 }, "name" : "IAMS Blog" } } ```