Secure Rate MYGA
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Highlights
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Premium Type
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Single Premium
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|---|---|
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Free withdrawal
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0% |
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Types of funds
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Non-Qualified, 401k, IRA, TSA 403b, SEP IRA, IRA-Roth, and SIMPLE IRA |
Brochure
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Open brochure |
The Secure Rate MYGA from Heartland National Life Insurance Company is an individual single-premium deferred annuity with guaranteed renewal and multi-year interest rate guarantees in your choice of 3, 5, 7 or 10-year periods. The Secure Rate Annuity includes liquidity and death benefit provisions.
Annual Free Withdrawals
During a Multi-Year Interest Guarantee Period, the Accumulated Interest earned in any year may be withdrawn without any Surrender Charges or Market Value Adjustment being applied in that year. Available upon the end of the 30-day right to examine.
Market Value Adjustment (MVA)
An MVA applies to full or partial surrenders in excess of the Free Partial Surrender Amount during a Multi-Year Interest Rate Guarantee Period. The MVA may increase or decrease the Cash Surrender Value or Withdrawal amount.
Death Benefit
The death benefit will equal the Accumulation Value on the date of death. The death benefit will not be reduced by any negative Market Value Adjustment nor increased by any positive Market Value.
Annual Free Withdrawals
During a Multi-Year Interest Guarantee Period, the Accumulated Interest earned in any year may be withdrawn without any Surrender Charges or Market Value Adjustment being applied in that year. Available upon the end of the 30-day right to examine.
Market Value Adjustment (MVA)
An MVA applies to full or partial surrenders in excess of the Free Partial Surrender Amount during a Multi-Year Interest Rate Guarantee Period. The MVA may increase or decrease the Cash Surrender Value or Withdrawal amount.
Death Benefit
The death benefit will equal the Accumulation Value on the date of death. The death benefit will not be reduced by any negative Market Value Adjustment nor increased by any positive Market Value.
Find out if the Secure Rate MYGA is the right product for you.
MYGA Interest Rates
| Term |
Rate
Annual percentage yield (APY)
earned over the investment term |
|---|---|
| 3 years | 5.65% |
| 5 years | 5.8% |
| 7 years | 5.8% |
| 10 years | 5.8% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| 5% Free Withdrawal Rider | No | 0.10% rate reduction |
| Enhanced Benefit Rider | No | 0.15% rate reduction |
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