Heritage Growth Advantage+ Rate & Reviews

Heritage Growth Advantage+

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.
The Heritage Growth Advantage+ also includes a Premium Bonus that immediately increases your Account Value. The Premium Bonus is added at issue and is available for allocation in your crediting strategy.

Available in states: AL, AK, AZ, AR, CA, CT, 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	85% Participation
2-Year Morgan Stanley Dynamic US Equities PTP Participation Rate	Point to Point Biennial	135% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	115% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	155% Participation
1-Year SG Entelligent Agile 6% VT PTP Participation Rate	Point to Point Annual	105% Participation
2-Year SG Entelligent Agile 6% VT PTP Participation Rate	Point to Point Biennial	145% 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%