Skip to content 
Product Details
OptiMark
Company social profile:
Product Name
OptiMark
Annuity Type
FIA
Issuing Insurance Company and Ratings
Legacy Marketing Group
Ratings
Product Information
The OptiMark is a single premium fixed indexed annuity with a 10 year surrender schedule. Fee-free premium bonus (12% All Other States / 10% in AK CA CT DE FL ID MN MO MT NH NJ NV OH OK OR PA SC TX UT VA WA). One penalty-free withdrawal equal to 10% of the Accumulation Value allowed per year starting Year 1. Optional enhanced death benefit rider. Multiple interest crediting options (S&P 500, SG Columbia, SG Laser, etc.). Declared Interest Option currently 2.85%.
Key Features
Premium Types: Single
Minimum Premium: $10,000
Maximum Premium: $1,000,000
Free Look Period: 30 Days
Rate Lock Period: 45 Days
Rates
Effective Date: 01/01/2026
Initial Guarantee Period: 10 years
Next Change: N/A — not specified
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $10,000 - $1,000,000
Current
10 Year Guarantee Period Annual Yield:
2.85%%
Interest rate start of year 1 through end of year 10:
2.85%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : No Wait
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: No
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 80 years old
State Restrictions: Not available in GU NY PR VI
