What is the minimum guaranteed surrender value for Capitol Life Heritage Premier Plus ?

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.

What is the minimum premium amount for Capitol Life Heritage Premier Plus ?

The minimum premium amount is $10,000.

What is the maximum issue age for Capitol Life Heritage Premier Plus ?

The maximum issue age is 90 years.

What is the current interest rate for Capitol Life Heritage Premier Plus ?

The current interest rate is 4.7%.

What is the surrender charge schedule for Capitol Life Heritage Premier Plus ?

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

What are the best rates available for Capitol Life Heritage Premier Plus ?

The best available rate is 5.08% for a 9 year term.

Capitol Life Insurance Company

Capitol Life Heritage Premier Plus

About this product

Heritage Premier Plus 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.70%
5 Years	4.95%
7 Years	5.00%
9 Years	5.08%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $1,000,000.00

4.7%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

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