Heartland National fixed annuity rates

Heartland National, founded in 1965, issues 9 fixed annuities in 3 to 10-year terms.

6.15% Top APY

B++ AM Best

1965 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	10-yr	Min
Secure Rate Pro (7-10)	—	—	6.10%	6.15%	$5k	↓
Surrender schedule 7-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% / 4.7% / 3.75% 10-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% / 4.7% / 3.75% / 2.85% / 1.9% / 0.95% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features Market Value Adjustment
Secure Rate Pro (3-5)	5.80%	6.10%	—	—	$5k	↓
Surrender schedule 3-yr 9.2% / 8.3% / 7.4% 5-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features Market Value Adjustment
Secure Rate Pro (7-10) with RMD Rider	—	—	6.05%	6.10%	$5k	↓
Surrender schedule 7-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% / 4.7% / 3.75% 10-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% / 4.7% / 3.75% / 2.85% / 1.9% / 0.95% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Secure Rate Pro (3-5) with RMD Rider	5.75%	6.05%	—	—	$5k	↓
Surrender schedule 3-yr 9.2% / 8.3% / 7.4% 5-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Secure Rate Pro (7-10) with Interest Withdrawal Rider	—	—	6.00%	6.05%	$5k	↓
Surrender schedule 7-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% / 4.7% / 3.75% 10-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% / 4.7% / 3.75% / 2.85% / 1.9% / 0.95% Free withdrawal Each year you can withdraw your accumulated interest without a surrender charge. Principal withdrawals are subject to surrender charges. Features Market Value Adjustment
Secure Rate Pro (3-5) with Interest Withdrawal Rider	5.70%	6.00%	—	—	$5k	↓
Surrender schedule 3-yr 9.2% / 8.3% / 7.4% 5-yr 9.2% / 8.3% / 7.4% / 6.5% / 5.6% Free withdrawal Each year you can withdraw your accumulated interest without a surrender charge. Principal withdrawals are subject to surrender charges. Features Market Value Adjustment
Secure Rate MYGA	5.20%	5.50%	5.60%	5.70%	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% 10-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% / 2.5% / 1.5% / 0.9% Free withdrawal Each year you can withdraw your accumulated interest without a surrender charge. Principal withdrawals are subject to surrender charges. Features Market Value Adjustment
Secure Rate MYGA with 5% Free Withdrawal Rider	5.10%	5.40%	5.50%	5.60%	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% 10-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% / 2.5% / 1.5% / 0.9% Free withdrawal Up to 5% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Market Value Adjustment
Secure Rate MYGA with Enhanced Benefit Rider	5.05%	5.35%	5.45%	5.55%	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% 10-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% / 2.5% / 1.5% / 0.9% 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 · Market Value Adjustment

About Heartland National

Founded: 1965
AM Best rating: B++ What this means
Phone: (888)616-0015
Website: heartlandnationallife.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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Heartland National fixed annuity rates

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