Liberty Bankers Life Insurance Company
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Heritage Accumulator

The Liberty Bankers Life Insurance Company, founded in 1958 under the name Royal Oak Life Insurance Company, has become a prominent provider of life insurance, annuity, and retirement planning solutions. With a particular focus on serving the final expense and wealth transfer markets, Liberty Bankers strives to deliver high-quality service and products that align with the specific needs of their clientele.
Heritage Accumulator-brochure Heritage Accumulator-brochure

Heritage Accumulator

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About Product

Premium Type
Flexible Premium
Fee withdrawal:
100%
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Min Age Qualified
18
Max Age Qualified
100
Types Of Funds
Non-Qualified, IRA, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch
Launch Date
10/28/2024

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
0 3% 3% 3%
Heritage Accumulator is a Flexible Premium Deferred Annuity Contract designed to accumulate money for retirement. You may start your Heritage Accumulator with a minimum premium of $25,000 (Qualified and Non-Qualifed) and add additional funds in the future, subject to a $5,000 minimum amount.

How Interest is Credited
Interest is credited and compounded daily. At the end of the contract anniversary, a new rate will be declared for the following contract year but will never be less than the Minimum Guaranteed Interest Rate of 0.15%. Once the Contract is issued, the Minimum Guaranteed Interest Rate will not change. Ask your agent for the current interest rate and Minimum Guaranteed Interest Rate.

Contract Values
The Accumulated Value is 100% of the premium and interest earned less any withdrawals.

Liquidity

You may withdraw 100% of your Accumulated Value at any time. You may also make withdrawals at any time, subject to a minimum withdrawal of $100. The remaining Accumulated Value after a withdrawal may not be less than $10,000. 
A 10% IRS penalty may apply on amounts withdrawn before the owner reaches age 59½. 

Year by Year Account Balance

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Riders

No Riders for Heritage Accumulator annuity.

Waivers

No Waivers for Heritage Accumulator annuity.

Company Founded: 1958
Excellent Rated Company
Liberty Bankers Life Insurance Company
Company Ratings
5
  • A.M. Best A-
Assets: $2,683,229,471
Oklahoma

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