3.65%
7-yr guarantee · $25,000+ premium
10%
Free W/D
50
Available jurisdictions
Rates as of July 24, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Heritage Builder Annuity
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Investors Heritage product.
Live product data
Rates as of July 24, 2026, from AdvisorWorld and CANNEX.
7-year guaranteed rate
3.65% guaranteed for 7 years
A three-, five-, or seven-year no-MVA fixed annuity from Investors Heritage with annual liquidity and nursing-home and RMD waivers.
Best fit
Buyers who want several guaranteed-rate term choices, value no MVA, and can hold through the selected surrender schedule.
Available guarantee terms
3, 5, and 7 years
AM Best
B++ Good
Surrender period
7 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Three guarantee-period choices provide short, middle, and longer fixed-rate planning windows.
- The contract avoids an MVA and includes annual free withdrawals plus nursing-home and required-minimum-distribution waivers.
What to confirm
- Withdrawals beyond the free amount can face surrender charges through the longest schedule even though the contract has no MVA.
- The carrier's financial-strength rating is below the large-carrier tier and should be considered alongside the live guaranteed rates.
Not ideal for
Buyers who prioritize the strongest carrier ratings or expect withdrawals beyond the contract's free allowance.
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Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 3% |
| 5-Year | 3.5% |
| 7-Year | 3.65% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, RMD waiver
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
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how Heritage Builder Annuity compares for your age, state, premium, and income goals alongside other Investors Heritage MYGA options.