Liberty Bankers / Capitol Life – Heritage Classic (3-, 5-, 7-, 9-Year Terms)
About this product
The Liberty Bankers / Capitol Life Heritage Classic is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed for savers who want strong, guaranteed fixed interest accumulation along with meaningful liquidity. Available in 3-, 5-, 7-, and 9-year guarantee periods, Heritage Classic provides tax-deferred growth, full principal protection, and penalty-free access to a portion of the account value after the first contract year. With built-in health-related benefits and straightforward contract mechanics, Heritage Classic offers dependable growth and flexibility for individuals who may need limited access to funds during the term.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 4.70% |
| 5 Years | 4.90% |
| 7 Years | 4.90% |
| 9 Years | 5.10% |
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
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