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Best available rate
5.75%
9-yr guarantee · 9-yr surrender schedule · $10,000+ premium
Highest current rate across the available 3-year, 5-year, 7-year, and 9-year guarantee terms.
View all rates and terms ↓10%
Free W/D
50
Available jurisdictions
Rates as of November 13, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Heritage Classic
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Liberty Bankers product.
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Minimum premium
$10,000
Available guarantee terms
3, 5, 7, and 9 years
Available surrender terms
3, 5, 7, and 9 years
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 3-Year | 3-Year schedule | Nov 11, 2026 | 5.45%Compound annual rate |
| 5-Year | 5-Year schedule | Nov 11, 2026 | 5.7%Compound annual rate |
| 7-Year | 7-Year schedule | Nov 11, 2026 | 5.75%Compound annual rate |
| 9-Year | 9-Year schedule | Nov 11, 2026 | 5.75%Compound annual rate |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Disability waiver, Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
9-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4.5%
Yr 6
3.5%
Yr 7
2.5%
Yr 8
1.5%
Yr 9
0.5%
After
0%
Disability waiver, Nursing home waiver, Terminal illness waiver
Carrier Ratings
Free Comparison Report
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See how Heritage Classic compares for your age, state, premium, and income goals alongside other Liberty Bankers MYGA options.
Free personalized report
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