Secure Rate MYGA
Heartland National Life Insurance Company
33
States
A fixed deferred annuity that guarantees your interest rate for your chosen period (3, 5, 7, or 10 years) while providing annual penalty-free access to earnings. It's designed for investors seeking predictable growth with built-in flexibility.
Available In
33 states
Min Premium
$5,000
Surrender
10 years
Key Features
Guaranteed Interest Periods
3, 5, 7, or 10 YearsChoose a fixed guarantee period of 3, 5, 7, or 10 years with competitive compound interest rates locked in for the entire period
Annual Free Withdrawals
Annual earnings onlyWithdraw accumulated interest earned each year without any surrender charges or market value adjustments
30-Day Renewal Window
Penalty-free options availableAt the end of each guarantee period, you have 30 days to renew, surrender penalty-free, take partial withdrawals, or elect a payment option
Surrender Charges
9.0% declining to 0.9%-3.0%Declining surrender charges apply to withdrawals beyond free amounts, starting at 9% in year one and decreasing annually
Market Value Adjustment
Variable based on ratesInterest rate changes may increase or decrease your withdrawal value during the guarantee period
Death Benefit
Full Accumulation ValueBeneficiaries receive the full accumulation value without reduction for negative market adjustments
Premium Range
$5,000 to $1,000,000Flexible investment amounts for qualified and non-qualified accounts
Issue Ages
Ages 0-90Available to a broad age range from newborns through age 90
Highlights
Guaranteed interest rates for 3, 5, 7, or 10-year periods with competitive compound rates
Annual free withdrawals of accumulated interest without surrender charges or penalties
Flexible renewal options every 30 days, including penalty-free surrender or partial withdrawals
Optional riders for enhanced liquidity and access during qualifying hardships
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2.5%
Yr 9
1.5%
Yr 10
0.9%
After
0%
Best For
Conservative investors seeking predictable, guaranteed returns with some liquidity, including retirees and those saving for long-term goals who prefer fixed rates over market risk.
Consider Alternatives If
Investors who need frequent access to principal or expect to need early full surrender, as surrender charges may apply beyond the annual free withdrawal amount.
Carrier Ratings
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