Heritage Growth Advantage Rate & Reviews

Heritage Growth Advantage

Heritage Growth Advantage is an innovative single-pay, fixed index annuity (FIA) with guaranteed rates for the entire Surrender Charge Period. It also guarantees you will keep your funds even if market performance is negative. So, if you want growth potential without risk of loss, talk to your financial planner about the Heritage Growth Advantage.

Available in states: AL, AK, AZ, AR, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
10-Year Fixed Account (Most States)	Fixed	3.5% Fixed
1-Year Fixed Account (CA Only)	Fixed	3.5% Fixed
1-Year Morgan Stanley Dynamic US Equities PTP Participation Rate	Point to Point Annual	110% Participation
2-Year Morgan Stanley Dynamic US Equities PTP Participation Rate	Point to Point Biennial	165% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	155% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	195% Participation
1-Year SG Entelligent Agile 6% VT PTP Participation Rate	Point to Point Annual	135% Participation
2-Year SG Entelligent Agile 6% VT PTP Participation Rate	Point to Point Biennial	170% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	9%	8%	7%	6%	5%	4%	3%	2%	1%