Legacy Marketing Group and Malibu Life USA join forces to bring two new fixed indexed annuity solutions to independent insurance professionals
Petaluma, California, 26 August 2026 – Retirement planning is becoming increasingly focused on creating dependable income while still giving people opportunities for financial growth. Against this backdrop, Legacy Marketing Group and Malibu Life USA have announced a new distribution partnership that will expand the range of fixed indexed annuity solutions available through independent insurance professionals.
Under the agreement, Legacy Marketing Group will work with Malibu Life USA to introduce two new fixed indexed annuity products, PillarMark and SpireMark. The products are expected to become available in September 2026, subject to required approvals and final business preparations.
The partnership brings together Legacy’s experience in annuity product development and distribution with Malibu Life USA’s U.S. retail insurance platform. The products will be issued through TruSpire Retirement Insurance Company, a Texas-domiciled life insurance company owned by Malibu Life.
The two products are designed with different retirement planning needs in mind. PillarMark is intended for people looking for deferred lifetime income, with the potential for income payments to increase over time. SpireMark takes a different approach, offering a fee-based option aimed at clients who want flexible retirement income and the possibility of receiving income earlier.
Another feature expected across the new platform is Allocation Blueprints. This planning tool is designed to help financial professionals and their clients determine how assets can be allocated based on their preferred income strategy. The goal is to make the retirement planning process easier to understand and more closely aligned with individual financial objectives.
For independent marketing organizations and insurance agents, the partnership adds another option to an expanding retirement solutions marketplace. Legacy has more than three decades of experience working with independent distribution networks and developing insurance products for retirement planning. The company was established in 1993 and focuses on proprietary product design, distribution support, and relationship-based service.
For Malibu Life USA, the agreement represents an important step into the U.S. fixed indexed annuity market. The company operates as the U.S. retail insurance brand of Malibu Life Holdings, with TruSpire expected to serve as its U.S. annuity origination platform. Malibu Life completed its acquisition of TruSpire in July 2026.
Fixed indexed annuities have become an important part of the retirement income conversation because they can combine features designed for principal protection with the opportunity to earn interest linked in part to the performance of a market index. However, individual annuity contracts can differ significantly in fees, guarantees, surrender periods, crediting methods and other terms, making professional guidance an important part of the selection process.
The new partnership also reflects a broader industry focus on retirement income solutions that can serve different stages of retirement. Consumers are increasingly looking beyond simply accumulating savings and are considering how those savings can be converted into income that may last throughout retirement.
Legacy and Malibu Life USA expect PillarMark and SpireMark to add flexibility to this landscape by giving independent agents additional products to consider when working with clients. Their planned September launch will mark the beginning of a new product relationship between the two organizations, subject to applicable approvals and operational readiness.
As retirement planning continues to evolve, partnerships that combine product development, insurance expertise and independent distribution could play an important role in giving advisors more tools to address individual income needs. For Legacy Marketing Group and Malibu Life USA, the new alliance represents a step toward expanding those choices in the U.S. annuity market.
