Secure Rate Pro
Heartland National Life Insurance Company
Best available rate
6.15%
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 12, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Secure Rate Pro
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 12, 2026, from AdvisorWorld and CANNEX.
10-year guaranteed rate
6.15% guaranteed for 10 years
A multi-term fixed annuity from Heartland National with guarantee choices through ten years, annual withdrawal provisions, and an MVA-backed surrender structure.
Best fit
Buyers who want several guaranteed-rate horizons in one product family and can align the selected term with money they do not expect to need early.
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
- Guarantee choices spanning short, middle, and long horizons let buyers match the rate lock to their planned holding period.
- Annual interest withdrawal and required-minimum-distribution provisions add defined liquidity alongside the standard free-withdrawal allowance.
What to confirm
- The longest guarantee choice carries a matching long surrender schedule, so the contract should not be treated as short-term cash.
- Withdrawals above the permitted amount can face a market value adjustment as well as surrender charges, and the carrier's financial-strength rating should be weighed against alternatives.
Not ideal for
Buyers who need broad liquidity during the surrender period or who prefer a carrier with a stronger financial-strength rating.
Free Comparison Report
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See how Secure Rate Pro compares for your age, state, premium, and income goals alongside other Heartland National Life Insurance Company MYGA options.
Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|---|
| Most states · MVA · Earned Annual Interest Withdrawal | 3-Year | 3-Year schedule | Jun 20, 2026 | 5.7%Rate convention not stated |
| Most states · MVA · Earned Annual Interest Withdrawal | 5-Year | 5-Year schedule | Jun 20, 2026 | 6%Rate convention not stated |
| Most states · MVA · Earned Annual Interest Withdrawal | 7-Year | 7-Year schedule | Jun 20, 2026 | 6%Rate convention not stated |
| Most states · MVA · Earned Annual Interest Withdrawal | 10-Year | 10-Year schedule | Jun 20, 2026 | 6.05%Rate convention not stated |
| Most states · MVA · No liquidity rider | 3-Year | 3-Year schedule | Jun 20, 2026 | 5.75%Rate convention not stated |
| Most states · MVA · No liquidity rider | 3-Year | 3-Year schedule | Jun 20, 2026 | 5.8%Rate convention not stated |
| Most states · MVA · No liquidity rider | 5-Year | 5-Year schedule | Jun 20, 2026 | 6.05%Rate convention not stated |
| Most states · MVA · No liquidity rider | 5-Year | 5-Year schedule | Jun 20, 2026 | 6.1%Rate convention not stated |
| Most states · MVA · No liquidity rider | 7-Year | 7-Year schedule | Jun 20, 2026 | 6.05%Rate convention not stated |
| Most states · MVA · No liquidity rider | 7-Year | 7-Year schedule | Jun 20, 2026 | 6.1%Rate convention not stated |
| Most states · MVA · No liquidity rider | 10-Year | 10-Year schedule | Jun 20, 2026 | 6.1%Rate convention not stated |
| Most states · MVA · No liquidity rider | 10-Year | 10-Year schedule | Jun 20, 2026 | 6.15%Rate convention not stated |
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
3-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
After
0%
3-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
After
0%
3-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
After
0%
5-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
After
0%
5-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
After
0%
5-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
After
0%
7-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.75%
After
0%
7-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.75%
After
0%
7-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.75%
After
0%
10-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.75%
Yr 8
2.85%
Yr 9
1.9%
Yr 10
95%
After
0%
10-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.75%
Yr 8
2.85%
Yr 9
1.9%
Yr 10
95%
After
0%
10-Year Version
Yr 1
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.75%
Yr 8
2.85%
Yr 9
1.9%
Yr 10
95%
After
0%
Carrier Ratings
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See how Secure Rate Pro compares for your age, state, premium, and income goals alongside other Heartland National Life Insurance Company MYGA options.