Capitol Life Heritage Classic
About this product
The Heritage Classic 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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 4.75% |
| 5 Years | 4.80% |
| 7 Years | 4.80% |
| 9 Years | 4.85% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $10,000.00 - $1,000,000.00 | 4.75% |
| Features | |
| Maximum Issue Age | 90 years |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
- Life Income Only: Payments for the rest of your life, stopping upon death
- Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
- Life with Period Certain: Lifetime payments with a minimum guaranteed period
- Joint Life: Payments continue for both you and your spouse's lifetimes
- Systematic Withdrawal: Regular withdrawals of a specified amount or percentage