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Active Product: Liberty Bankers / Capitol Life – Heritage Premier Plus
Liberty Bankers / Capitol Life – Heritage Premier Plus
About this product
The Liberty Bankers / Capitol Life Heritage Premier Plus is a single-premium Multi-Year Guaranteed Annuity (MYGA) offering enhanced first-year interest crediting followed by fixed guaranteed rates for the remainder of the term. Available in 3-, 5-, 7-, and 9-year durations, Heritage Premier Plus is designed for clients seeking higher early-year accumulation combined with stable, tax-deferred growth and full principal protection. With systematic interest-withdrawal capability after 30 days and multiple built-in health-related benefits, Heritage Premier Plus supports both accumulation goals and adaptable income planning needs.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 5.40% |
| 5 Years | 5.80% |
| 7 Years | 5.85% |
| 9 Years | 6.15% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $1,000,000.00 | 5.40% |
Features
| Maximum Issue Age | 90 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (64), the following guarantee period will be applied:
| Guarantee Period | 9 years |
| Rate | 6.15% |
| Age | 55 - 64 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 4 |
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