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The Heritage Builder MYGA includes a withdrawal charge schedule that decreases annually over the contract term. For example, in the 3-year product, charges start at 7.65% in year one and reduce to 6.50% by year three. For 5- and 7-year options, the charges continue to taper down over their respective periods. These charges apply to withdrawals exceeding the penalty-free allowances and during the surrender charge period, which is typically 10 years (9 years in California). Additionally, a Market Value Adjustment may apply depending on changes in bond index yields from the time of contract issue to withdrawal. This adjustment can increase or decrease the withdrawal amount, but it will never reduce the payout below the Guaranteed Minimum Cash Value.

Market Value Adjustment Rider ICC20-MVA2; Nursing Home Waiver Rider ICC20-NHR-1.

In the event of your death, your beneficiaries will receive a benefit that is equal to the Accumulated Account Value.

Accumulated interest is available penalty-free 30 days after the policy effective date. Required Minimum Distributions (RMDs) are penalty-free six months after the effective date.

Up to 10% of the beginning of year Account Value is available penalty-free after the first contract year.

The Heritage Builder is available to U.S. citizens ages 0 through 90, for Qualified and Non-qualified funds.

The Heritage Builder is a single premium annuity product tailored for individuals who do not need immediate access to the invested funds. Available to U.S. citizens from age 0 to 90, the policy offers fixed interest guarantees with free access to a portion of funds under specific circumstances, including Required Minimum Distributions and nursing home confinement. Surrender charges and a market value adjustment may apply for early withdrawals, but the policy guarantees a minimum cash value at all times.

Not explicitly stated in the brochures. Likely involves re-election at term maturity; please confirm with the insurer directly.

Even with a negative Market Value Adjustment, you will never receive less than the Guaranteed Minimum Cash Value.

 Multi-Year Guaranteed Annuity (MYGA) from Investors Heritage is designed for individuals looking to preserve capital, grow savings tax-deferred, and lock in fixed returns for 3, 5, or 7 years. It provides guaranteed interest rates, liquidity through penalty-free withdrawals, and protection from market downturns, making it a stable component of retirement planning. With no annual fees, 100% of the premium works to earn compounded interest.

Heritage Builder Annuity