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.