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.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
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.
Contact Us Today:
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.
📞 Call us at 800-533-5969
🔗 Visit our annuity rate page here
📍 Contact Us Page
