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Already strong Income XL Rider payments can double (1.5X for joint annuitants) when clients can’t perform two of six ADLs. 

Legacy Marketing Group® is excited to announce a new enhanced income feature on the Income XL Rider, available with LegendMark Series flexible premium FIAs issued by Fidelity & Guaranty Life Insurance Company. The enhancement allows consumers who become impaired in performing two of six ADLs and meet other requirements to receive double income (1.5X for joint annuitants).

“I am pleased to announce the addition to LegendMark of one of the most essential features today in the retirement income planning conversation,” said Legacy President Preston Pitts. “The income ‘doubler’ (1.5X for joint annuitants), combined with one of the industry’s most compelling products, arms Producers and IMOs with an extraordinary story that addresses accumulation potential, retirement income, and now a significant income solution for clients with declining health.”

According to the U.S. Department of Health and Human Services, 70% of people turning age 65 can expect to use some form of long-term care during their lives.1 The Income XL Rider’s enhanced payouts are designed to help pay for the rising costs of health-related care and are triggered when clients cannot perform two of six activities of daily living (ADLs) and meet other requirements.

Strong accumulation potential with powerful for-fee strategies (currently offering a 3.10% cap on the Monthly Point-to-Point Interest Crediting Option2) and an innovative Performance Multiplier that increases the account value up to 150%, provide the potential for “extra-large” payouts—and now “XXL” payouts—for an annual rider charge of only 0.80%.

The enhanced Income XL Rider is available on the LegendMark 10- and 14-year surrender schedule products with a bonus in all states where LegendMark is approved, except Florida, Hawaii, Idaho, and Illinois. In addition to the rider, LegendMark—available to clients through age 85—offers “checkbook” access;3 liquidity riders for nursing home confinement, terminal illness, and home health care; and index gains that vest to date of death. Agents are rewarded with up to 8.50% GA-level commission, which includes an extra 50 bps for a limited time.

This product series and rider are offered exclusively through agents contracted with Legacy.

About Legacy Marketing Group®

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

Media Contact:
Legacy Marketing Group
Diane Shemi, Director of Marketing, 800-395-1053, Ext. 5838


NAFA, the National Association for Fixed Annuities, is a national trade association exclusively dedicated to promoting the awareness and understanding of fixed annuities. NAFA is the only association whose sole purpose is advocating for the fixed annuity product.

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