What is the minimum guaranteed surrender value for Liberty Bankers / Capitol Life – Heritage Premier Plus (3-, 5-, 7-, 9-Year Terms)?

Heritage Premier Plus is a Single Premium Deferred Annuity (SPDA) that provides a guaranteed interest rate structure consisting of a higher first-year rate and guaranteed base rates for the remainder of the term. Interest is credited and compounded daily. After the contract has been active for 30 days, systematic interest withdrawals may be taken without penalty (minimum $100). All other withdrawals, including partial or full surrenders, may result in surrender charges and a Market Value Adjustment (MVA), except in California where no MVA applies. At the end of the guarantee period, the accumulated value becomes fully liquid, allowing the owner to withdraw, renew into a future Heritage Premier Plus term (subject to age limitations), transfer, or annuitize.

What is the minimum premium amount for Liberty Bankers / Capitol Life – Heritage Premier Plus (3-, 5-, 7-, 9-Year Terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for Liberty Bankers / Capitol Life – Heritage Premier Plus (3-, 5-, 7-, 9-Year Terms)?

The maximum issue age is 90 years.

What is the current interest rate for Liberty Bankers / Capitol Life – Heritage Premier Plus (3-, 5-, 7-, 9-Year Terms)?

The current interest rate is 4.65%.

What is the surrender charge schedule for Liberty Bankers / Capitol Life – Heritage Premier Plus (3-, 5-, 7-, 9-Year Terms)?

Withdrawals exceeding the penalty-free interest withdrawals, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the renewal window.

What are the best rates available for Liberty Bankers / Capitol Life – Heritage Premier Plus (3-, 5-, 7-, 9-Year Terms)?

The best available rate is 6.20% for a 9 year term.

Capitol Life Insurance Company

Liberty Bankers / Capitol Life – Heritage Premier Plus (3-, 5-, 7-, 9-Year Terms)

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.

Available Rates

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

3 Years	4.65%
5 Years	5.95%
7 Years	6.15%
9 Years	6.20%

Available Guarantee Periods

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

$10,000.00 - $1,000,000.00

4.65%

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