What is the minimum guaranteed surrender value for Heartland National – Secure Rate (3-, 5-, 7- and 10-year terms)?

Secure Rate MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, 7-, or 10-year term, during which interest grows tax-deferred. During each contract year, the policy allows withdrawals of accumulated interest only without surrender charges or Market Value Adjustment (MVA). Any withdrawal exceeding the available accumulated interest is subject to surrender charges and MVA.

What is the minimum premium amount for Heartland National – Secure Rate (3-, 5-, 7- and 10-year terms)?

The minimum premium amount is $5,000.

What is the maximum issue age for Heartland National – Secure Rate (3-, 5-, 7- and 10-year terms)?

The maximum issue age is 90 years.

What is the current interest rate for Heartland National – Secure Rate (3-, 5-, 7- and 10-year terms)?

The current interest rate is 5.25%.

What is the surrender charge schedule for Heartland National – Secure Rate (3-, 5-, 7- and 10-year terms)?

Withdrawals exceeding accumulated interest, or any full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Surrender charges decline over time and reach 0% at the end of the selected guarantee term. All funds become fully penalty-free at the end of the term or during the renewal window.

What are the best rates available for Heartland National – Secure Rate (3-, 5-, 7- and 10-year terms)?

The best available rate is 5.75% for a 10 year term.

Heartland National Life Insurance Company

Heartland National – Secure Rate (3-, 5-, 7- and 10-year terms)

About this product

The Secure Rate MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Heartland National Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, 7-, and 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it appropriate for conservative savers seeking stable accumulation. With a low $5,000 minimum premium and liquidity through interest-only withdrawals (plus optional riders for additional access), Secure Rate MYGA supports long-term financial planning with security, simplicity, and consistent growth.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	5.25%
5 Years	5.65%
7 Years	5.75%
10 Years	5.75%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$5,000.00 - $1,000,000.00

5.25%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage