Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Heritage Growth Advantage+

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

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. 
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

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%