Legacy Launches SpectraMark ^SM Series of Annuities

Policyholders receive longevity protection and a choice of interest crediting options

PETALUMA, CA, October 12, 2012—Legacy Marketing Group® announces the launch of SpectraMarkSM, a series of flexible premium deferred fixed indexed annuities issued by Fidelity & Guaranty Life Insurance Company. These all-new, 10-year annuity products will be offered exclusively to agents contracted with Legacy.

Currently available in 22 states, SpectraMark features a guaranteed minimum withdrawal benefit rider with an income base equal to the premium plus an 18% income base bonus or premium plus 6.25% roll-up for 10 years—whichever is greater—allowing consumers to maximize their income. SpectraMark also offers “checkbook” access; liquidity riders for nursing home confinement, terminal illness, home health care, and unemployment; index gains that vest to date of death; no MVA; enhanced income and death benefit riders; and issuance up to age 85.

“With our partners at Fidelity & Guaranty Life, we’ve created a product designed to give consumers the ability to maximize their income and growth potential,” said Legacy President Preston Pitts. “With SpectraMark, we believe we’ve struck a great balance between stability and flexibility.”

SpectraMark policyholders can choose from seven interest crediting options, including six indexed options for upside potential, and the annuities provide everything from a strong death benefit for beneficiaries to riders that allow payouts during critical times in people’s lives. One fixed rate option, a declared rate on gain option, and five S&P 500® Index options, including the Step Forward Strategy, offer competitive upside potential with the protection of minimum guarantees.

About Legacy Marketing Group®

Legacy Marketing Group partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity and life insurance market. These products are sold exclusively through Legacy’s nationwide network of independent insurance agents.

Media Contact:
Legacy Marketing Group
Gretchen Barry, Communications Director, 800-395-1053, Ext. 6801
[email protected]

SpectraMark Series flexible premium deferred fixed indexed annuities are issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD; products distributed by Legacy Marketing Group®. Subject to state availability. Certain restrictions may apply. Optional provisions and riders may have limitations, restrictions, and additional charges. Consult the contract for more detailed product information. Form Nos: ACI-1013(02-11), API-1013(02-11), ACI-1018(06-11), API-1018(06-11), et al.

“S&P 500®” is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Fidelity & Guaranty Life Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the Product.

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