4.6
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Secure Rate Pro (3-5) with Interest Withdrawal Rider
First established in 1964, Heartland National Life Insurance Company provides supplemental insurance products, including Medicare supplement, hospital indemnity, and cancer insurance plans. For the past 60 years, the company has been safeguarding the futures of over 40,000 policyholders by offering affordable insurance solutions to help fill the gaps in each client’s existing coverage. The products offered by Heartland National provide protection against unexpected medical expenses, assisting clients through the complex world of the insurance industry.
Secure Rate Pro (3-5) with Interest Withdrawal Rider
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About Product
Premium Type
Single Premium
Fee withdrawal:
Interest only
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$5,000
Maximum Contribution
$1,000,000
Max Age Qualified
90
Types Of Funds
Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 457 plan, 1035 Exchange, and TSP
Launch Date
06/10/2026
MYGA Interest Rates
| Term |
Rate
Annual percentage yield (APY)
earned over the investment term |
|---|---|
| 3 years | 5.7% |
| 5 years | 6% |
Secure Rate Pro is a Single Premium Deferred Annuity designed to accumulate money for retirement. It is suitable for use as an IRA or as an attractive alternative to CDs and other taxable vehicles. (Not available as 403(b) or SIMPLE IRA.) You can start your Secure Rate Pro annuity with a minimum premium of $5,000.
Secure Rate Pro Advantages
Tax Deferred - Your annuity grows much faster than alternative vehicles because:
Secure Rate Pro Advantages
Tax Deferred - Your annuity grows much faster than alternative vehicles because:
- You earn interest on your principal.
- You earn interest on your interest.
- You earn interest on the money you would otherwise pay in taxes.
- You don’t pay tax on interest until you take it out.
Liquidity
All partial withdrawals (including required minimum distributions from qualified retirement accounts) will be reduced by any applicable surrender charges and MVA, unless specifically provided by a rider you selected. The amount of a partial surrender must be at least one hundred dollars ($100). The remaining Accumulation Value after any partial surrender must be at least two thousand dollars ($2,000). A 10% IRS penalty may apply to all amounts withdrawn before the owner reaches age 59½.
The Earned Annual Interest Withdrawal Rider is inbuilt into this product.
Market Value Adjustment (MVA)
The Market Value Adjustment is an amount by which we adjust the Accumulation Value. An MVA will apply to a full surrender or to a partial withdrawal during the Guarantee Period. The MVA may increase or decrease your Accumulation Value, depending on whether interest rates* have fallen or risen from the time of purchase. If interest rates have declined, your Accumulated Value could be higher. If interest rates have increased, your Accumulated Value could be lower. Assets subject to MVA are not held in a separate account. * The ICE BofA BBB US Corporate Index Effective Yield is used to measure changes in interest rates.
Upon Death
Equal to the Cash Surrender Value at the time of death. Spousal Continuation: Available for eligible spouses, allowing the contract to continue under its existing terms and benefits after the owner's death rather than triggering a death benefit payout.
Payout Options
You may select from among annuity settlement options with various fixed periods. A customized payout option may be tailored to meet your specific needs. If you elect to annuitize non-qualified money, generally only a portion of each payment is taxable because a part of each payment is a return of your premium.
All partial withdrawals (including required minimum distributions from qualified retirement accounts) will be reduced by any applicable surrender charges and MVA, unless specifically provided by a rider you selected. The amount of a partial surrender must be at least one hundred dollars ($100). The remaining Accumulation Value after any partial surrender must be at least two thousand dollars ($2,000). A 10% IRS penalty may apply to all amounts withdrawn before the owner reaches age 59½.
The Earned Annual Interest Withdrawal Rider is inbuilt into this product.
Market Value Adjustment (MVA)
The Market Value Adjustment is an amount by which we adjust the Accumulation Value. An MVA will apply to a full surrender or to a partial withdrawal during the Guarantee Period. The MVA may increase or decrease your Accumulation Value, depending on whether interest rates* have fallen or risen from the time of purchase. If interest rates have declined, your Accumulated Value could be higher. If interest rates have increased, your Accumulated Value could be lower. Assets subject to MVA are not held in a separate account. * The ICE BofA BBB US Corporate Index Effective Yield is used to measure changes in interest rates.
Upon Death
Equal to the Cash Surrender Value at the time of death. Spousal Continuation: Available for eligible spouses, allowing the contract to continue under its existing terms and benefits after the owner's death rather than triggering a death benefit payout.
Payout Options
You may select from among annuity settlement options with various fixed periods. A customized payout option may be tailored to meet your specific needs. If you elect to annuitize non-qualified money, generally only a portion of each payment is taxable because a part of each payment is a return of your premium.
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Earned Annual Interest Withdrawal | Yes |
Waivers
No Waivers for Secure Rate Pro (3-5) with Interest Withdrawal Rider annuity.
Company Founded: 1965
Good Rated
Company
Company Ratings
4
- A.M. Best B++
Assets: $15,970,230
Indiana
