Secure Rate MYGA
Heartland National Life Insurance Company
Best available rate
5.7%
10-yr guarantee · 10-yr surrender schedule · $5,000+ premium
Highest current rate across the available 3-year, 5-year, 7-year, and 10-year guarantee terms.
View all rates and terms ↓10%
Free W/D
33
Available states
Rates as of August 6, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Secure Rate MYGA
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Heartland National Life Insurance Company product.
Live product data
Rates as of August 6, 2026, from AdvisorWorld and CANNEX.
Lead-term guaranteed rate
5.7% guaranteed for 10 years
A multi-year guaranteed annuity from Heartland National Life Insurance Company offering flat declared rates at 3, 5, 7, and 10-year terms with an annual free-withdrawal allowance, a 10-year declining surrender ladder, and a single-agency carrier financial-strength rating.
Best fit
Buyers in the 33 jurisdictions where this contract is available who want a flat, contractually guaranteed rate locked in for a chosen term — with the flexibility to pick a 3-, 5-, 7-, or 10-year guarantee period inside a single filing — and are comfortable accepting a single-agency B-range carrier financial-strength rating in exchange for the rate the contract offers.
Available guarantee terms
3, 5, 7, and 10 years
AM Best
B++ Good
Available surrender terms
3, 5, 7, and 10 years
Free withdrawal
10%/yr
Availability
33 states (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- Published guaranteed rates at four distinct terms (3, 5, 7, and 10 years), so a buyer can match the lock-in window to a short, medium, or long planning horizon inside one contract rather than being forced into a single carrier-preferred term.
- An annual free-withdrawal allowance is published on the contract, so the penalty-free liquidity rule and the schedule of accessible withdrawals are visible directly on this page rather than gated behind a sales brochure.
- Surrender schedule is a declining 10-year ladder that ends in the same year the longest published guarantee period ends, so the lock-up window matches the contract's longest fixed-rate promise rather than extending beyond it.
- Single and joint annuitization options are both supported, so a buyer who wants to convert the contract value into a stream of payments at the end of the guarantee period has a built-in single-life or joint-life path on this contract.
What to confirm
- Carrier financial-strength rating is a single-agency view at A.M. Best B++ (Good) — well below the A-range ratings that most MYGA carriers on this site carry. Buyers who weight carrier strength heavily should evaluate that rating against the alternative MYGA carriers in their state before relying on this product in a plan.
- This contract is available in only 33 jurisdictions — well under half the country — and is not available in New York, California, Massachusetts, New Jersey, or many other large markets. Confirm availability for the state of issue before relying on this product in a plan.
- Surrender charges run a full 10 years, with the top charge applied in the first year before the ladder begins to step down — an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost for nearly the full term, so this is a multi-year commitment, not a short-term cash equivalent.
- The death benefit is the standard contract beneficiary value with no roll-up or step-up enhancement, there are no surrender-charge waivers listed on this contract (no nursing-home, terminal-illness, or disability waiver published), and there is no guaranteed-lifetime-withdrawal rider — this contract is built for rate certainty over the chosen term, not for legacy enhancement, contingency liquidity, or guaranteed lifetime income.
Not ideal for
Buyers in New York, California, Massachusetts, New Jersey, or any of the other jurisdictions where this contract is not available; buyers who require an A-range or multi-agency-confirmed carrier financial-strength rating; buyers who need short-window liquidity beyond the annual free-withdrawal allowance, contingency surrender-charge waivers, market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — a single-issuer 10-year MYGA on a B-range carrier is a fixed-rate deferred contract, not any of those things.
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Guaranteed Rates by Term
| Term | Surrender term | Published rate |
|---|---|---|
| 3-Year | 3-Year schedule | 5.2%Rate convention not stated |
| 5-Year | 5-Year schedule | 5.5%Rate convention not stated |
| 7-Year | 7-Year schedule | 5.6%Rate convention not stated |
| 10-Year | 10-Year schedule | 5.7%Rate convention not stated |
Showing one representative CANNEX rate set that leads the other returned versions across matching terms and premium bands. State- or rider-specific versions require a personalized quote before purchase.
Key Features
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
10-Year Version
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
90%
After
0%
Carrier Ratings
Free Comparison Report
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See how Secure Rate MYGA compares for your age, state, premium, and income goals alongside other Heartland National Life Insurance Company MYGA options.