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None. All benefits are built into the base contract.

None. No annual fees or administrative deductions apply.

Pays the full accumulation value to beneficiaries upon the owner’s death — with no surrender charges applied.

Up to 10% of the account value annually, or Required Minimum Distributions (RMDs) if greater, may be withdrawn penalty-free starting in the second contract year.

The policy provides a fixed, guaranteed interest rate for the entire selected term. It is available for both Qualified (IRA, SEP, Roth) and Non-Qualified funds. Policyholders can renew, annuitize, or fully withdraw at the end of the guarantee period without penalty.

At term-end, the contract automatically renews for the same period at the then-current declared rate, unless the owner elects to withdraw or annuitize without penalty.

The surrender value equals the accumulation value minus applicable surrender charges, or the minimum guaranteed value, whichever is greater.

The Capitol Advantage MYGA from Capitol Life Insurance Company, a Liberty Bankers Life affiliate, is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed to deliver guaranteed, tax-deferred growth over fixed terms of 3, 5, or 7 years. This annuity offers predictable accumulation and full principal protection, making it an excellent option for conservative savers seeking stable, guaranteed returns with liquidity flexibility through free annual withdrawals.

Surrender charges vary based on the selected term and apply if the policy is surrendered early or if withdrawals exceed the penalty-free amount. Charges decline annually and are accompanied by a Market Value Adjustment (MVA) where applicable. For example, the Heritage Premier Plus 5 has withdrawal charges of 8.2%, 7.2%, 6.2%, 5.2%, and 4.0% for years 1 through 5 respectivel

100% commission charge back in the event of death 6 months from the date of issue.

Accumulated Value at Death (for Annuitant/Owner).

1st Year up to 10% accumulated value, thereafter up to 50% of accumulated value

After your contract has been in force for 30 days, you may request Systematic Penalty-Free Withdrawals of interest. Subject to a minimum of $100.00 .

The Heritage Premier Plus annuity allows the contract holder to select a term of 3, 5, 7, or 9 years during which a guaranteed interest rate is locked in. Once the contract has been in place for 30 days, the policyholder may initiate systematic penalty-free withdrawals. At the end of the guarantee period, the policy can be renewed for another term if the owner is under the maximum issue age. A death benefit is included, and additional health waiver benefits may apply. This product is available in all U.S. states except California and New York.

At the end of each Guarantee Period, the contract may be renewed for any Interest Rate Guarantee Period offered at the time, provided the new Rate Guarantee Period does not extend past the attained age of 95. Renewals must be within the Heritage Premier Plus products.

 is a Single Premium, Multi-Year Guaranteed Annuity (MYGA) designed to provide a secure investment vehicle with a guaranteed fixed interest rate over selected terms of 3, 5, 7, or 9 years. It offers a one-time premium payment in exchange for consistent returns and several liquidity features after a short holding period. This product is suited for individuals seeking a predictable income stream and capital preservation, particularly during volatile market conditions.

Maximum withdrawal charges apply and vary by the guarantee period selected. For example, for the 3-year term, the maximum charge ranges from 8.1% to 6.0%. These charges typically decrease annually. A Market Value Adjustment (MVA) may apply. Withdrawals exceeding the penalty-free amount or taken before maturity are subject to these surrender charges 

(1st year: up to 10% accumulated value; thereafter, up to 50% of accumulated value)

After the contract has been in force for 30 days, systematic penalty-free withdrawals of interest can be requested, subject to a $100 minimum.

Available plan types include NQ, NQ-Inherited, Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, and Inherited Roth IRA (not available as 401(k) or SIMPLE IRA)

This annuity offers guaranteed interest accumulation with fixed rates tied to the selected guarantee period. It allows systematic penalty-free withdrawals of interest after 30 days and provides additional health-based benefits such as nursing home and terminal illness waivers. Death benefits are paid as the accumulated value, and contract renewal is possible within the Heritage Premier line as long as age conditions are met.

At the end of each Guarantee Period, the contract may be renewed for any Interest Rate Guarantee Period available at that time, as long as the new period does not extend beyond age 95. Renewals must be within Heritage Premier products.

Surrender value is not explicitly labeled in a table, but it equals accumulated value minus withdrawal charges (see Surrender Charge Description).

 is a Single Premium, Multi-Year Guaranteed Annuity (MYGA) offered by Liberty Bankers/Capitol Life. It is designed for individuals seeking steady interest accumulation on a single premium over a fixed period. The product features guaranteed interest rates over periods of 3, 5, 7, or 9 years depending on the chosen plan. It is most suitable for those who want access to earnings after a short deferral period and prefer stability with predictable returns.

Surrender charges are assessed on withdrawals made before the end of the contract term, decreasing over time. For example, Heritage Elite 3 has surrender charges of 7.9%, 7.0%, and 6.2% over its 3 years respectively. Other products follow similar declining charge structures based on duration: 5 years, 7 years, or 9 years. Charges may include a Market Value Adjustment (MVA) as applicable 

No penalty-free withdrawals during surrender charge period, except RMDs after the first policy year.

Single Premium, Multi-Year Guaranteed Annuity (MYGA).

This policy provides a guaranteed interest rate for a chosen term (3, 5, 7, or 9 years) and is renewable at the end of each term. While there are no penalty-free withdrawals during the surrender period (except for Required Minimum Distributions), the contract can be customized by selecting different term options and is available across all states except California and New York.

At the end of each Guarantee Period, the contract may be renewed for any Interest Rate Guarantee Period then offered, assuming age criteria are still met. Renewals must remain within the Heritage Elite product line 

Equal to the accumulated value minus applicable withdrawal/surrender charges.

e is a Single Premium, Multi-Year Guaranteed Annuity (MYGA) product offered by Liberty Bankers/Capitol Life. It provides a guaranteed fixed interest rate over a selected term period and is most suitable for clients looking for stable, higher returns without needing liquidity. The product is designed for both qualified and non-qualified use and allows a one-time premium contribution. 

Surrender charges apply based on the duration of the product. Charges decrease annually during the Guarantee Period. For example, the Heritage Classic 5 has charges of 8.00%, 7.00%, 6.00%, 5.00%, 4.50% respectively over 5 years. Charges are applicable if more than the penalty-free withdrawal amount is taken before the end of the Guarantee Period. Withdrawals above the free amount are also subject to a Market Value Adjustment (MVA) 

Nursing Home Benefit, Disability Benefit, Terminal Illness Benefit, Home Health Care Benefit. 1st Year up to 10% accumulated value, thereafter up to 50% of accumulated value.

After the first contract year, you may withdraw up to 10% of the accumulated value as of the last contract anniversary date. Withdrawals in excess of the penalty-free amount are subject to Surrender Charges and MVA.

This annuity product is structured to offer financial security through guaranteed rates and options for penalty-free liquidity in certain situations. Policyholders benefit from a straightforward accumulation strategy without ongoing premiums. The product allows flexibility for renewal upon the end of a guarantee period and includes provisions for hardship withdrawals due to health-related events.

At the end of each Guarantee Period, the contract may be renewed for any Interest Rate Guarantee Period currently being offered at the time the renewal election is made, provided that the new Rate Guarantee Period does not extend past the attained age of 95. Renewals must be within the Heritage Classic products.

Accumulated value minus applicable Surrender Charges and Market Value Adjustment (MVA) for withdrawals above the free withdrawal amount.

 is a Single Premium, Multi-Year Guaranteed Annuity (MYGA) offered by Liberty Bankers/Capitol Life. It is designed to provide competitive guaranteed interest rates for a fixed period of 3, 5, 7, or 9 years depending on the product variant selected. It suits individuals seeking stable, predictable returns with limited market exposure. The product includes standard features such as penalty-free withdrawals, health waiver benefits, and a death benefit based on accumulated value.

Capitol Life – Capitol Advantage MYGA (3-, 5-, 7-Year Terms)

Capitol Life – Heritage Premier Plus MYGA (3-, 5-, 7-, 9-Year Terms)

Capitol Life – Heritage Premier MYGA (3-, 5-, 7-, 9-Year Terms)

Capitol Life – Heritage Elite MYGA (3-, 5-, 7-, 9-Year Terms)

Capitol Life – Heritage Classic MYGA (3-, 5-, 7-, 9-Year Terms)