Investors Heritage Heritage Builder Annuity — 7-year fixed annuity at 3.65%
- Locks in 3.65% for 7 years
- Open with $25,000 to $1,000,000
- Free withdrawals allowed for:
- 10% of your balance each year
- Required IRA distributions
- Your full investment for nursing home confinement
Rates as of May 8, 2026
Projected balance
over 7 years
Compounded at 3.65% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $912 | $25,913 |
| 2 | $946 | $26,858 |
| 3 | $980 | $27,839 |
| 4 | $1,016 | $28,855 |
| 5 | $1,053 | $29,908 |
| 6 | $1,092 | $31,000 |
| 7 | $1,131 | $32,131 |
| Total earnings | $7,131 | $32,131 |
Free-withdrawal allowance: 10% / yr (interest only year 1). Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #154 of 161 (top is 6.25% — Sentinel Security Personal Choice)
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 7.7% |
| Year 2 | 7.5% |
| Year 3 | 6.5% |
| Year 4 | 5.6% |
| Year 5 | 4.6% |
| Year 6 | 3.6% |
| Year 7 | 2.5% |
Contract terms
What else to know
Term
7 years guaranteed at 3.65% APY
Investment range
$25,000 – $1,000,000
Funding sources accepted
Traditional IRA, Non-Qualified, Inherited IRA, 1035 Exchange, IRA Rollover, IRA-Roth, SEP IRA
Owner age
0 to 90 years old
Free look period
30 days after policy issue to change your mind without penalty.
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Riders & waivers
- Nursing Home Waiver
- Death Benefit Waiver
- RMD-Friendly (RMD withdrawals exempt from surrender charge)
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Investors Heritage contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
Before you decide
Let us mail you our Verification Checklist.
It shows you how to check this carrier for yourself — what your state guarantees if it ever fails, what you can take out early and what that costs, at the amount you’re considering.
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