What is the minimum guaranteed surrender value for Heritage Builder Annuity ?

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.

What is the minimum premium amount for Heritage Builder Annuity ?

The minimum premium amount is $25,000.

What is the maximum issue age for Heritage Builder Annuity ?

The maximum issue age is 90 years.

What is the current interest rate for Heritage Builder Annuity ?

The current interest rate is 2%.

What is the surrender charge schedule for Heritage Builder Annuity ?

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.

What are the best rates available for Heritage Builder Annuity ?

The best available rate is 3.65% for a 7 year term.

Investor Heritage

Heritage Builder Annuity

About this product

The Heritage Builder 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.

Available Rates

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

3 Years	2.00%
5 Years	3.50%
7 Years	3.65%

Available Guarantee Periods

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

$25,000.00 - $1,000,000.00

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