More from Heartland National
Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider — 7-year fixed annuity at 6.00%
- Locks in 6.00% for 7 years
- Open with $5,000 to $1,000,000
- Free withdrawals allowed for:
- All interest earned
Rates as of June 11, 2026
Projected balance
over 7 years
Compounded at 6.00% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $600 | $10,600 |
| 2 | $636 | $11,236 |
| 3 | $674 | $11,910 |
| 4 | $715 | $12,625 |
| 5 | $757 | $13,382 |
| 6 | $803 | $14,185 |
| 7 | $851 | $15,036 |
| Total earnings | $5,036 | $15,036 |
Free-withdrawal allowance: Interest only / yr. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #7 of 157 (top is 6.25% — Sentinel Security Personal Choice)
Same product, other terms
Other Secure Rate Pro (7-10) with Interest Withdrawal Rider terms from Heartland National
Projections shown for a $10,000 premium.
| Term | Rate | Projection | |
|---|---|---|---|
| 7-year | 6.00% | $15,036 | You're here |
| 10-year | 6.05% | $17,993 | View → |
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 The charge is a percentage of the amount withdrawn, decreasing each year.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 | 9.2% |
| Year 2 | 8.3% |
| Year 3 | 7.4% |
| Year 4 | 6.5% |
| Year 5 | 5.6% |
| Year 6 | 4.7% |
| Year 7 | 3.8% |
Contract terms
What else to know
Term
7 years guaranteed at 6.00% APY
Investment range
$5,000 – $1,000,000
Funding sources accepted
Traditional IRA, Non-Qualified, 1035 Exchange, IRA Rollover, IRA Transfer, IRA-Roth, 457 plan, SEP IRA, TSP
Owner age
0 to 85 years old
Death benefit
Full accumulated value passes to your beneficiary, no 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: Heartland National contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
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