Heritage Growth Advantage+
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Highlights
Heritage Growth Advantage+ (HGA+) is a single-premium deferred fixed-indexed annuity (FIA) that provides growth potential with protection from market downturns. An FIA is purchased as part of your retirement strategy, but also offers the flexibility to access your funds.
Heritage Growth Advantage+ includes the added benefit of fully guaranteed Participation Rates on every indexed account. During the Surrender Charge Period, the Participation Rate will never be less than the initial guaranteed rate.
Heritage Growth Advantage+ includes the added benefit of fully guaranteed Participation Rates on every indexed account. During the Surrender Charge Period, the Participation Rate will never be less than the initial guaranteed rate.
Available in states:
AL, AK, AZ, AR, CA, 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
|
Type
|
Fixed Index
|
|---|---|
|
Premium Bonus
|
10% |
|
Term
|
10 Years |
|
Surrender schedule
|
9.3%9.3%8.3%7.3%6.3%5.3%4.2%3.2%2.1%1% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, and Inherited IRA |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 10-Year Fixed Account (Most States) |
Fixed
|
3%
Fixed
|
| 1-Year Fixed Account (CA Only) |
Fixed
|
3%
Fixed
|
| 1-Year Morgan Stanley Dynamic US Equities PTP Participation Rate Guaranteed for Term |
Point to Point
Annual
|
85%
Participation
|
| 2-Year Morgan Stanley Dynamic US Equities PTP Participation Rate Guaranteed for Term |
Point to Point
Biennial
|
135%
Participation
|
| 1-Year S&P MARC 5% ER PTP Participation Rate Guaranteed for Term |
Point to Point
Annual
|
115%
Participation
|
| 2-Year S&P MARC 5% ER PTP Participation Rate Guaranteed for Term |
Point to Point
Biennial
|
155%
Participation
|
| 1-Year SG Entelligent Agile 6% VT PTP Participation Rate Guaranteed for Term |
Point to Point
Annual
|
105%
Participation
|
| 2-Year SG Entelligent Agile 6% VT PTP Participation Rate Guaranteed for Term |
Point to Point
Biennial
|
145%
Participation
|
| 1-Year S&P 500 Dynamic Intraday TCA PTP Cap Guaranteed for Term |
Point to Point
Annual
|
7.5%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |