Hello Friends!

Legacy has some great news for you and your producers!



Some of the hottest products in the business just got even hotter. Legacy is currently running a compensation special where commissions increased by 50 bps for all FGL products.  Plus all products in “Lite States” are now paying “Heavy State Compensation” 
The enhancements are going into effective October 15th so start telling everyone today!
Now for something unbelievable!
All of this is coming at basically no cost ( outside of a slight change to the bonus in Lite states that isn’t coming until 11/20) .  Have you seriously considered the value proposition we are offering you?

LibertyMark – leading the industry in accumulation, innovation, and compensation. ( Older ages comp as high as 7% for example 81-85).

LegendMark best in class Monthly cap (up to 3.1%), and Annual point to point (up to 8%) and compensation as high as  8.5%, plus the strongest leverage for income I can find.

AdvanceMark Ultra –  Better caps and rates than most competitors, a stronger guaranteed income rider than most competitors, plus comp as high as 9%

SpectraMark – 3-d rider with a newly improved enhanced death benefit and compensation as high as 9%. ( plus approved in CA).

Plus all of the value adds we offer

For IMO’s and IM’s:

1)     Great overrides

2)     IMO Bonus program

3)     IM trip

4)     Money for Marketers

5)     An unsaturated opportunity

6)     Lucrative Compensation

7)     Annual IMO Meeting

8)     Phoenix AZ February 25th, 26th

9)     Internal Marketers Boot Camp Training Program


For agents:

1)     Money for Marketing

2)     Client Ads and Sales Kits

3)     Income Planning University

4)     Producer Summit

5)     Application Scrubbing and Pre Sale Suitability

6)     Assigned Relationship Manager

7)     Incentive Trip

8)     New Producers Bonus

9)      Excellent Compensation


We are the best place to focus your efforts on for the remainder of 2015 and thru the next year.  In fact, if you made a list of what you wanted from a “carrier” partner to make a lead focus for your business and list out all of the products, benefits, and value adds- I bet you have a hard time improving on this line up.  But , if you think of anything let me know!

Need-to-know information critical to your business.
October 12, 2015

GA-Level “Lite” Comp To Increase on Fidelity & Guaranty Life Insurance Company FIAs!

Good news:
We are pleased to announce that GA-level commissions will soon increase in “lite” states!
Effective with applications received on or after October 15, 2015,
GA-level commissions will be the same for “lite” and “regular”
Legacy Exclusive Fidelity & Guaranty Life Insurance Company products.
More good news:
In addition to the commission increase, these products will offer an extra 50 bps commission
at all issue ages—for a limited time only—effective
with applications received on or after October 15, 2015.
Deadline Rules
Applications received on or after Thursday, October 15, 2015, will get the higher commission rate.
Applications will not be held,
nor will exceptions be made to reissue a contract for the higher commission rate.
To offer the “LT” commission increase,
Fidelity & Guaranty Life may be making modifications to the premium bonus
and/or caps on LT products.
Watch for details!
Commission Increase Examples
AdvanceMarkSM Ultra
LegendMarkSM FIAs
Previous GA Comp Rate NEW GA Comp Rate! NEW GA Comp Rate
With Extra 50 BPS!
0–75 76–80 81–85 0–75 76–80 81–85 0–75 76–80 81–85
AdvanceMark Ultra 10 LT
5.75% 4.00% 3.13% 7.50% 5.50% 4.00% 8.00% 6.00% 4.50%
LegendMark 10 LT and 10 LT Plus
6.50% 5.00% 3.50% 7.00% 5.25% 3.75% 7.50% 5.75% 4.25%
AdvanceMark Ultra and LegendMark in Florida* Previous GA Comp Rate NEW GA Comp Rate! NEW GA Comp Rate
With Extra 50 BPS!
0–64 65–75 76–85 0–64 65–75 76–85 0–64 65–75 76–85
AdvanceMark Ultra 10 LT
7.50% 5.75% 3.13% 7.50% 7.50% 4.00% 8.00% 8.00% 4.50%
LegendMark 10 LT, 10 LT Plus
7.00% 6.50% 3.50% 7.00% 7.00% 3.75% 7.50% 7.50% 4.25%
Previous GA Comp Rate NEW GA Comp Rate! NEW GA Comp Rate
With Extra 50 BPS!
0–75 76–85 0–75 76–85 0–75 76–85
SpectraMark LT
6.75% 3.38% 8.50% 4.25% 9.00% 4.75%
To view the full Compensation Schedule,
click here.
For more information, call 800-395-1053, Ext. 4002, or visit
Fidelity & Guaranty Life Insurance Company requires agents to be knowledgeable on material
features of its products prior to recommending or selling them to any consumer.
Agents are reminded that they are required to go through product training for
each product series and certify completion of product training prior to soliciting
Fidelity & Guaranty Life products within the applicable series.
If you already took our required product training for this product series,
please review the product Sales Guide and keep this LegacyGram—along with
any future LegacyGrams announcing product changes—for future reference.
Or you can always go to to obtain an updated
product training module that includes this information.
AdvanceMark Ultra, LegendMark, and SpectraMark flexible premium fixed deferred indexed annuities
are issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA;
products are distributed by Legacy Marketing Group®.
Subject to state availability.
Certain restrictions may apply. Refer to contracts, sales guides,
Compensation Schedule,
and State Approval Matrix for details. Policy Form Nos: ACI-1018(06-11), API-1018(06-11), ICC11-1035 (11-11), et al.
* In Florida, AdvanceMark Ultra 14 and 10; LegendMark 14, 14 Plus, 10, and 10 Plus;
and SpectraMark are available ages 0–64, and AdvanceMark Ultra 10 LT; LegendMark 10 LT,
10 LT Plus; and SpectraMark LT are available ages 65–85.