Capitol Life fixed annuity rates

Capitol Life, founded in 1906 and headquartered in Texas, issues 4 fixed annuities in 3 to 9-year terms.

5.40% Top APY

A- AM Best

1906 Founded

Available products

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Showing nationally available rates. Filings vary by state — pick yours above to see exactly what you can buy.

Product	3-yr	5-yr	7-yr	9-yr	Min
Heritage Elite	5.10%	5.15%	5.35%	5.40%	$10k	↓
Surrender schedule 3-yr 7.9% / 7% / 6.2% 5-yr 7.9% / 7% / 6.2% / 5.3% / 4.4% 7-yr 7.9% / 7% / 6.2% / 5.3% / 4.4% / 3.5% / 2.7% 9-yr 7.9% / 7% / 6.2% / 5.3% / 4.4% / 3.5% / 2.7% / 1.8% / 0.9% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features Market Value Adjustment
Heritage Premier Plus	5.03%	5.10%	5.29%	5.36%	$10k	↓
Surrender schedule 3-yr 8.2% / 7.2% / 6.2% 5-yr 8.2% / 7.2% / 6.2% / 5.2% / 4.6% 7-yr 8.2% / 7.2% / 6.2% / 5.2% / 4.6% / 3.6% / 2.7% 9-yr 8.2% / 7.2% / 6.2% / 5.2% / 4.6% / 3.6% / 2.7% / 1.7% / 0.7% Free withdrawal Each year you can withdraw your accumulated interest without a surrender charge. Principal withdrawals are subject to surrender charges. Features Terminal Illness Waiver · Nursing Home Waiver · Disability Waiver · Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Heritage Premier	5.05%	5.10%	5.30%	5.35%	$10k	↓
Surrender schedule 3-yr 8.1% / 7.1% / 6.1% 5-yr 8.1% / 7.1% / 6.1% / 5.1% / 4.6% 7-yr 8.1% / 7.1% / 6.1% / 5.1% / 4.6% / 3.6% / 2.6% 9-yr 8.1% / 7.1% / 6.1% / 5.1% / 4.6% / 3.6% / 2.6% / 1.6% / 0.6% Free withdrawal Each year you can withdraw your accumulated interest without a surrender charge. Principal withdrawals are subject to surrender charges. Features Terminal Illness Waiver · Nursing Home Waiver · Disability Waiver · Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Heritage Classic	4.90%	4.90%	5.10%	5.15%	$10k	↓
Surrender schedule 3-yr 8% / 7% / 6% 5-yr 8% / 7% / 6% / 5% / 4.5% 7-yr 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% 9-yr 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% / 0.5% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance. Features Terminal Illness Waiver · Nursing Home Waiver · Disability Waiver · Death Benefit Waiver · Market Value Adjustment

About Capitol Life

Founded: 1906 Texas
AM Best rating: A- What this means
Phone: 469-522-4400
Website: libertybankerslife.com
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

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Capitol Life fixed annuity rates

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