Heartland National Secure Rate Annuity – Fixed Growth with Flexible Access and Low Entry Point
At Diversified Insurance Brokers, we help individuals secure their retirement with fixed annuities that offer stability, tax-deferred accumulation, and financial confidence. The Heartland National Secure Rate Multi-Year Guarantee Annuity (MYGA) is a standout choice for individuals who want predictable returns, flexible access to funds, and strong protection of principal.
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Guaranteed Growth for 3, 5, 7, or 10 Years
This MYGA offers fixed interest rate options across multiple terms—3, 5, 7, or 10 years—giving you flexibility based on your time horizon. With a low $5,000 minimum premium, it’s accessible for a wide range of savers, including those just getting started with annuity planning.
Tax-Deferred Accumulation and Liquidity
Funds grow on a tax-deferred basis, which means you won’t pay taxes on gains until you withdraw. Each year, you can take penalty-free withdrawals of earned interest, offering reliable flexibility without triggering surrender charges.
Health-Related Waivers and Emergency Access
The Secure Rate MYGA provides withdrawal charge waivers for terminal illness and nursing home confinement, allowing you to access funds during serious health events. These provisions help ensure your annuity remains a flexible part of your financial plan.
Understanding the MVA and Surrender Charges
A Market Value Adjustment (MVA) may apply if you withdraw more than the penalty-free limit or surrender early. This can increase or decrease your payout depending on market interest rates. The surrender charge schedule is straightforward and aligned with your selected term, giving you control over your planning horizon.
Death Benefit and Legacy Protection
In the event of death, your beneficiaries receive the full accumulation value, with no surrender penalties—helping you pass on your savings as intended.
Why Work With Diversified Insurance Brokers
With over 50 years of combined experience and access to top-rated carriers, our advisors at Diversified Insurance Brokers guide you through every step. Whether you’re repositioning savings or rolling over a retirement account, the Secure Rate MYGA is a strong choice for conservative growth and long-term security.
🎯 Looking for low-risk retirement growth with flexible access?
Submit a quote request here and find out how the Heartland National Secure Rate MYGA fits your retirement plan.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Heartland National Secure Rate
What is the Heartland National Secure Rate annuity?
Secure Rate is a multi-year guaranteed annuity that locks in a fixed interest rate for the entire term. It is designed for savers who want predictable, contractually guaranteed growth without market exposure.
How does the Secure Rate guarantee work?
The interest rate you select at issue remains constant for the full guarantee period. Interest compounds annually and grows tax-deferred inside the contract.
What term options does Heartland National offer?
The Secure Rate lineup typically includes multiple fixed-year durations. Longer terms generally provide higher guaranteed rates, while shorter ones emphasize liquidity.
Are penalty-free withdrawals allowed?
Most Secure Rate versions offer an annual penalty-free withdrawal up to a specified percentage of your contract value. Exceeding that amount may trigger surrender charges during early years.
Does the annuity include a market value adjustment (MVA)?
Some term structures may include an MVA. If applicable, the adjustment may increase or decrease early-withdrawal values depending on interest rate trends at the time of surrender.
Is Secure Rate eligible for IRA rollovers?
Yes. Secure Rate commonly accepts IRA rollovers and transfers from qualified plans. The process is similar to the steps shown in our direct rollover explanation.
What happens at the end of the guarantee term?
When the term matures, you may withdraw funds, renew at the new available rate, or transfer to another annuity. A penalty-free window provides full liquidity options.
Is principal fully protected?
Yes. Your original premium and all credited interest are guaranteed by the insurer for the full duration of the contract.
Does Secure Rate include any income features?
This product focuses on accumulation, not income. However, owners may annuitize or move the funds to an income-oriented annuity at maturity if desired.
Who is the Heartland National Secure Rate best suited for?
Secure Rate is ideal for conservative savers who want guaranteed interest, tax-deferred growth, simple contract features, and protection from market volatility.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
