Liberty Bankers / Capitol Life – Heritage Elite (3-, 5-, 7-, 9-Year Terms)
About this product
The Liberty Bankers / Capitol Life Heritage Elite is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed for savers seeking guaranteed, tax-deferred interest accumulation with strong fixed yields and full principal protection. Available in 3-, 5-, 7-, and 9-year guarantee periods, Heritage Elite provides predictable growth insulated from market volatility. The product focuses on long-term accumulation rather than liquidity, offering competitive fixed yields with no penalty-free withdrawals during the guarantee period, except for required minimum distributions where applicable. Heritage Elite supports conservative financial planning by delivering simple, secure, contractually guaranteed interest performance throughout the entire term.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 4.80% |
| 5 Years | 5.10% |
| 7 Years | 5.10% |
| 9 Years | 5.30% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $10,000.00 - $1,000,000.00 | 4.8% |
| 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