A.M. Best B++ rated · 1 product
Heartland National Life Insurance Company Annuities
Heartland National Life Insurance Company is an A.M. Best B++-rated annuity carrier. The current lineup includes 1 multi-year guaranteed annuity product. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
B++
A.M. Best
Annuity products
1
1 MYGA product
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 1 MYGA product page
- Product families
- Secure Rate MYGA
- Product types
- MYGA
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About Heartland National Life Insurance Company
Heartland National Life Insurance Company was established in 1965 (or 1964, depending on the source)—headquartered in Independence, Missouri—with a focus on life, health, supplemental insurance, and annuity products . While the company has long offered life and supplemental insurance, it expanded significantly into annuities in the early 2020s, specializing in Multi-Year Guaranteed Annuities (MYGA). Its hallmark annuity, Secure Rate MYGA, provides fixed, guaranteed interest rates over 3‑, 5‑, 7‑, or 10‑year terms, requiring a minimum investment of $5,000 and offering features like annual free interest withdrawals, death benefits, and optional riders for withdrawal flexibility, terminal illness, or nursing home confinement.
Financial Strength In Plain English
As of the most recent evaluations, Heartland National Life Insurance Company holds a B++ (Good) Financial Strength Rating and a bbb (Good) Long-Term Issuer Credit Rating from A.M. Best, both affirmed on May 30, 2024, with a stable outlook. These ratings reflect the company’s ability to meet its ongoing obligations with a solid financial foundation. Weiss Ratings assigns the company a C– Life & Annuity Safety Rating as of August 2024, indicating fair to weak financial stability, with strengths in capitalization and liquidity but concerns about diversification and cash flow. Additionally, the Better Business Bureau (BBB) gives Heartland a C rating in 2024, noting limited customer complaints but some issues related to responsiveness, and the company is not BBB accredited.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Features
Features
Index options, riders, and term choices pulled into one quick scan.
MYGA Products
Secure Rate MYGA
Secure Rate MYGA
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Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Heartland National is currently represented by one MYGA product page, Secure Rate MYGA.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
Source Links
Carrier and ARHQ product pages used for this profile.
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Heartland National Life Insurance Company Product Families
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