Why we represent LBL:

We at FSD are extremely happy with the results of our marketing Liberty Bankers Life (LBL). In 2007 we started with LBL's SPIA product and quickly realized they had extremely strong MYGA rates. Liberty was a "B-" rated carrier at the time so it was rare that an IMO like FSD would market them. After getting to know the carrier, the people and the business model they planned to follow, we became comfortable with Liberty Life and began talking about the products. Fast forward to today. Liberty Bankers has been upgraded to B++. They have a 14% surplus and consistently outstanding service and interest rates.   

One of the easiest sale to make is an internal rollover. Liberty Bankers policies to NOT automatically renew surrender charges and if clients want to re-up for a new term they get the higher new money rates. The clients get a higher rate, the agent gets a new full commission and the carrier has the premium under surrender again. A true Win Win Win!  

 Liberty Bankers Agent Appointment 

Fixed Annuity Products Offered BY LBL:

Liquid - No Surrender Annuity

Flexible Premium Deferred (FPDA)

Liquid - No Surrender Annuity

  • Bankers Accumulator (suspended sales on 11/01/2019)

Multi Year Guarantee (MYG)

Flexible Premium Deferred (FPDA)

Liquid - No Surrender Annuity

  • Bankers Elite 3 
  • Bankers Elite 5
  • Bankers Elite 7
  • Bankers Elite 9
  • Bankers 3 
  • Bankers 5
  • Bankers 5 Premier
  • Bankers 5 Premier Plus
  • Bankers 7
  • Bankers 7 Premier

Flexible Premium Deferred (FPDA)

Flexible Premium Deferred (FPDA)

Flexible Premium Deferred (FPDA)

  • Liberty Choice
  • Liberty Select
  • Bankers Accumulator 

Immediate Annuities

Single Premium Whole Life

Flexible Premium Deferred (FPDA)

  • Single Lifetime
  • Joint Lifetime
  • Period Certain Only

Single Premium Whole Life

Single Premium Whole Life

Single Premium Whole Life

  • SPWL
  • Preferred Ratings
  • Standard Ratings

Agent Forms and Resources

Single Premium Whole Life

Single Premium Whole Life

Would you like To Get Appointed With LBL?

Get started here!

We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise  

FSD Financial Services Fixed Annuities and Life

5530 Corbin Ave, Suite 101, Tarzana, CA 91356, US

(800) 373-9697

LIQUID FPDA - This is a true no surrender annuity.


Liquid and Flexible

Current Interest Rate: 

  • (LBL Suspended sales on 11/01/2019 due to low rates)

Rate Guaranteed Period: 

  • 1 Year

Minimum Guarantee Rate: 

  • Determined Annually

Surrender Charges: 

  • NONE - 0% - NO MVA 

Minimum Deposit: 

  • $10,000 minimum - Add $1,000 or more anytime

Issue Age: 

  • 0-100 (85 in OK)

States NOT approved in:  

  • MT, NY 

Free Withdrawal: 

  • 100% Liquid - withdraw partial or full funds at anytime
    Must maintain at least a $10,000 balance to keep policy in-force. 

Death Benefits:

  • Full Death Benefit


  • Possible substitute for a short term SPIA - Allows clients to show short term steady annuity income through systematic withdrawals of principal and interest.
  • Great for old 401K and qualified fund rollovers.
  • Avoid new charges in 30 day window MYGA's.
  • May avoid probate.
  • Savings account look alike with wide flexibility.
  • Tax deferral
  • May be transferred into any of the carriers other MYGA products with full commission.


  • 1/12th of Annual Commission paid monthly on Account Value.  
    Annual Commission = 0.50% (0-80)  | 0.40% (81-100)
    Pays accumulation value trail commission for as long as policy is in force.   

Company Ratings: 

  • B++ by A.M. Best (Upgraded 3 times since 2012)