Heritage Growth Advantage Fixed Indexed Annuity
Heritage Growth Advantage Fixed Indexed Annuity
The Heritage Growth Advantage Fixed Indexed Annuity is a single premium, deferred annuity designed for individuals who want long-term growth potential without exposing their retirement assets to market losses. Issued by Investors Heritage Life Insurance Company, this product credits interest based on the performance of selected market indexes while protecting your principal and previously credited interest from downturns. For clients who have asked questions similar to those addressed in our guide on are annuities guaranteed, Heritage Growth Advantage demonstrates how contractual guarantees function inside a structured retirement product.
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Fixed indexed annuities are often misunderstood. They are not direct stock market investments, and they are not traditional fixed annuities offering only a declared interest rate. Instead, they sit between those two structures. The Heritage Growth Advantage allows you to allocate premium to a fixed account with a guaranteed rate or to indexed strategies that credit interest based on positive index performance. If the index finishes negative during a crediting term, the annuity is credited zero percent for that period. Zero is not a loss. Your contract value does not decline due to market performance.
This structure is particularly relevant for individuals approaching retirement who are transitioning from accumulation to preservation. After years of market exposure inside IRAs or 401(k)s, many pre-retirees begin reducing volatility risk. Some are evaluating rollover strategies and review resources like how to transfer a Solo 401(k) to an annuity before repositioning assets. Others are comparing structured growth options to income-focused planning models such as those described in guaranteed income at age 60. In both cases, the objective is consistent: maintain upside opportunity while protecting accumulated savings from major drawdowns.
Heritage Growth Advantage: Key Product Features at a Glance
| Product Feature | Details |
|---|---|
| Issuing Carrier | Investors Heritage Life Insurance Company, Frankfort, Kentucky. AM Best: B++ (Good), outlook Stable (revised July 2025). Capital and surplus increased 52% to $281 million in 2024. Owned by Aquarian Insurance Holdings LLC. Reinsured by New Reinsurance Company Ltd. (Munich Re subsidiary). Founded 1965. Not a direct stock market investment. Guarantees backed solely by the claims-paying ability of Investors Heritage Life Insurance Company. |
| Product Type | Single-premium deferred fixed indexed annuity (FIA). No subsequent premiums accepted after issue. Multiple transfers accepted at issue. Principal protected from negative index performance — credited interest never negative. Tax-deferred accumulation. Not FDIC insured. Not a bank product. |
| Surrender Charge Period | 7-year or 10-year surrender period selectable at issue in most states. (7-year or 9-year in California.) The full surrender schedule is established at issue and declines to zero at the end of the selected period. Excess withdrawals during the surrender period are subject to withdrawal charges and a Market Value Adjustment. |
| Minimum / Maximum Premium | Minimum: $25,000 single premium. Maximum: $1,000,000. Premiums from $1,000,001 to $2,000,000 may be considered subject to approval. Single premium product — no additional premiums accepted after issue date. |
| Issue Ages / Eligible Funds | Issue ages 18–80. Eligible fund sources: Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, Roth IRA, Roth Conversion, SEP IRA, 1035 Exchange, and other qualified rollovers. Single annuitant only. Joint ownership available for lawfully wedded spouses only. |
| Interest Crediting | Fixed Account: interest credited daily at a guaranteed declared rate. Indexed Accounts: interest credited at the end of each 1-year or 2-year term based on positive index performance, subject to participation rates. If the index is negative during a crediting term, credited interest is zero — the account value does not decline due to index performance. Annual reset locks in credited interest as new protected principal at each term end. |
| Available Indices | S&P MARC 5% Index (Annual and 2-Year Point-to-Point with Participation Rate); SG Entelligent Agile 6% VT Index (Annual and 2-Year Point-to-Point with Participation Rate); Morgan Stanley Dynamic U.S. Equities Index (Annual and 2-Year Point-to-Point with Participation Rate); Nasdaq 100 with TruVol 10% VT (Annual and 2-Year Point-to-Point with Participation Rate). All volatility-controlled. Index credits do not include dividends. |
| Participation Rates | All indexed strategies use Point-to-Point with Participation Rate crediting. The participation rate determines how much of the positive index gain is credited to the account value. Participation rates are set at the time of issue and may be adjusted at each crediting term renewal — unlike the HGA+ version, the standard Heritage Growth Advantage does not guarantee participation rates for the full surrender period. Allocations may be adjusted at the end of each crediting term. |
| Free Withdrawal Provision | After the first contract year: up to 10% of the beginning-of-year Account Value annually without withdrawal charges or MVA. Must be taken as a single transaction per contract year — not cumulative. Free withdrawals are taken from the Fixed Account first; if insufficient, the remainder is deducted pro-rata from indexed accounts starting with the shortest-term strategies. |
| RMD Compatibility | Required minimum distributions may be taken penalty-free after the first 6 months — earlier than the standard free withdrawal window. Withdrawal charges do not apply to RMDs even if they exceed the 10% free withdrawal amount. RMDs may be scheduled for automatic systematic withdrawal on an annual, semi-annual, quarterly, or monthly basis ($100 minimum; must be paid by electronic transfer). |
| Nursing Home Waiver | After the first contract year: if the annuitant is confined to a qualifying nursing home for 90 consecutive days on a physician’s written recommendation — due to medical necessity, inability to perform 2 of 6 activities of daily living (eating, bathing, dressing, transferring, toileting, continence), or cognitive impairment — up to 50% of Account Value may be withdrawn penalty-free annually while confinement continues. Waiver not available if annuitant was confined at time of policy issue. |
| Market Value Adjustment (MVA) | Applies to excess withdrawals and surrenders during the surrender charge period. Based on the change in the leading bond index yield from the day prior to contract issue to the day prior to the withdrawal. MVA may be positive (increasing surrender value if rates have fallen) or negative (decreasing it if rates have risen). Even with a negative MVA, the minimum guaranteed cash surrender value applies as a floor. |
| Death Benefit | Death benefit equals the greater of the Account Value or the Minimum Guaranteed Cash Surrender Value. Surrender charges waived at death. Assets pass directly to named beneficiaries, bypassing probate in most cases. Spousal continuation: if the sole primary beneficiary is the deceased owner’s spouse, the beneficiary may elect to continue the contract as the new owner rather than taking a lump-sum distribution. |
| Tax Treatment | Interest grows tax-deferred until withdrawal. Non-qualified: LIFO taxation (earnings before principal). Qualified accounts: full distributions taxed as ordinary income. Withdrawals prior to age 59½ subject to 10% IRS early withdrawal penalty on taxable portion. Not FDIC insured. |
Guaranteed Crediting Structure During the Surrender Period
One of the defining characteristics of the Heritage Growth Advantage is that participation rates are set at issue and the crediting structure is locked in during each crediting term — though unlike the HGA+ version, participation rates may be adjusted at each term renewal rather than being guaranteed unchanged for the full surrender period. Clients choosing between the Heritage Growth Advantage and the Heritage Growth Advantage Plus should understand this distinction clearly: the standard HGA provides competitive participation rates at issue, but those rates may reset at each 1-year or 2-year crediting term renewal; the HGA+ version contractually guarantees that participation rates will not be reduced below the initial guaranteed rate for the full selected surrender period. In most states, clients choose either a 7-year or 10-year surrender schedule at issue — and that selection determines the length of the surrender charge period that applies.
The fixed account credits interest daily at a guaranteed rate. Indexed strategies offer 1-year and 2-year crediting terms. Interest is calculated at the end of the term based on index performance, subject to the participation rate in effect for that term. If the index grows 10% and your participation rate is 80%, the credited interest reflects 80% of that positive performance. In a year where the index is flat or negative, credited interest is zero — not negative. Previously credited interest and original principal remain protected from that outcome. Allocations among the available indexed strategies and the fixed account may be adjusted at the end of each crediting term, providing annual flexibility to respond to changing conditions or personal preferences.
Understanding the Available Index Strategies
The Heritage Growth Advantage offers four volatility-controlled index options, all available in both 1-year and 2-year point-to-point crediting terms with participation rate structures. The S&P MARC 5% Index dynamically adjusts its allocation between equity and other asset classes to target 5% annualized volatility. The SG Entelligent Agile 6% VT Index targets 6% volatility through a rules-based framework developed by Société Générale and Entelligent. The Morgan Stanley Dynamic U.S. Equities Index uses Morgan Stanley’s volatility-management approach to adjust domestic equity exposure in response to market conditions. The Nasdaq 100 with TruVol 10% VT applies the TruVol volatility targeting mechanism to the Nasdaq 100 benchmark, targeting 10% volatility — somewhat higher than the other available options, which may produce different participation rate and credit profile characteristics.
Volatility-controlled index strategies, as a category, aim to moderate sharp swings in index performance. This can reduce extreme upside in strong equity markets but also aims to smooth performance during turbulent periods. For conservative investors nearing retirement, this risk-managed approach aligns with capital preservation priorities. All indexed strategies are point-to-point with participation rate — there are no cap rate strategies in the standard Heritage Growth Advantage product lineup, which means credited interest reflects a defined percentage of positive index gain rather than being limited to a hard cap ceiling. Index performance does not include dividends, and credited interest is subject to the contractual participation rates in effect for each term.
Tax-Deferred Growth and Retirement Coordination
Like other annuities, Heritage Growth Advantage provides tax-deferred growth. Interest credited inside the contract compounds without annual taxation. Taxes are deferred until distributions occur. For individuals in peak earning years who expect lower tax brackets in retirement, deferral can enhance compounding efficiency. When used in coordination with qualified plans, annuities may complement retirement income sequencing strategies. Our guide on how to transfer a retirement account to an annuity covers the mechanics of qualified and non-qualified repositioning — including 1035 exchanges, IRA transfers, and 401(k) rollovers — and what steps are required to complete the transfer without triggering withholding or the 60-day rollover clock.
Clients evaluating estate and beneficiary considerations often coordinate annuities alongside broader planning strategies such as those described in wealth transfer strategies the affluent use or clarify beneficiary distribution frameworks outlined in what is a spousal inherited IRA. While annuities are not estate planning tools in isolation, they can be positioned strategically within a comprehensive retirement and legacy framework — particularly because they bypass probate when beneficiaries are properly designated and allow for spousal continuation when the surviving spouse is the sole primary beneficiary.
Liquidity Provisions and Withdrawal Flexibility
Retirement planning requires balance between growth and flexibility. After the first contract year, Heritage Growth Advantage allows withdrawals of up to 10% of the beginning-of-year account value annually without surrender charges or market value adjustment. This free withdrawal must be taken as a single transaction per contract year — not as multiple smaller withdrawals — and is not cumulative (unused portions do not carry forward to future years). Required minimum distributions from qualified accounts are available without surrender charges after six months from issue, even if they exceed the standard 10% free withdrawal amount, and may be scheduled for automatic systematic distribution on annual, semi-annual, quarterly, or monthly frequencies.
The nursing home waiver provides additional liquidity under qualifying conditions: if the annuitant is confined to a qualifying nursing home for 90 or more consecutive days after the first contract year, on a physician’s written recommendation, up to 50% of the account value may be withdrawn penalty-free annually while confinement continues. The triggering conditions include medical necessity, inability to perform two of six activities of daily living, or cognitive impairment. For a full explanation of what activities of daily living are and how they function as eligibility triggers across different insurance products, our resource on activities of daily living covers the topic in detail. For clients evaluating whether a dedicated care product or an annuity with waiver provisions is more appropriate, our guide on annuities with nursing home care riders provides useful context for that comparison.
Withdrawals exceeding the free amount during the surrender period may be subject to surrender charges and a market value adjustment. The market value adjustment reflects changes in interest rate conditions since policy issue and can either increase or decrease the net amount received depending on rate direction. Even with a negative market value adjustment, the minimum guaranteed cash surrender value applies as a contractual floor on the worst-case surrender outcome. Because of these features, the Heritage Growth Advantage is most appropriate for assets that can remain in place for the selected 7- or 10-year term without significant access needs beyond the annual free withdrawal and health event provisions.
Heritage Growth Advantage vs. Heritage Growth Advantage Plus
The Heritage Growth Advantage and Heritage Growth Advantage Plus are closely related products from the same carrier that serve similar accumulation objectives but differ in one structurally important way. The standard Heritage Growth Advantage sets participation rates at issue and may adjust them at each crediting term renewal — providing competitive starting rates but without the contractual guarantee that those rates will not be reduced. The HGA+ version contractually guarantees that participation rates on every indexed account will not fall below the initial guaranteed rate for the full selected surrender period. For clients whose primary concern is long-term crediting predictability and who intend to hold the contract through the full term, the HGA+ guarantee may be the more appropriate structure. For clients who prioritize flexibility in evaluating crediting terms at each renewal and are comfortable with the possibility of rate adjustments, the standard Heritage Growth Advantage may provide comparable starting terms without the structural guarantee premium that the HGA+ typically carries in its product design.
Who Is Heritage Growth Advantage Designed For?
This annuity is generally appropriate for individuals between ages 18 and 80 who have at least $25,000 available for a single premium deposit and who possess sufficient liquidity outside the annuity for emergencies and near-term spending needs. It is best suited for those seeking principal protection, tax-deferred growth, and structured market participation over a 7- or 10-year horizon. It may not be appropriate for individuals needing full liquidity in the short term, those seeking direct equity market participation, or those who want to maximize income guarantees through a lifetime withdrawal benefit rider — the Heritage Growth Advantage does not include an income rider; clients seeking a guaranteed income layer alongside accumulation should evaluate the Heritage Income Advantage instead.
Some clients compare annuities to other protection-focused products when building conservative segments of their portfolio. For example, individuals evaluating conservative legacy positioning might also explore planning discussions similar to how much burial insurance you need at 65 or review alternatives such as affordable life insurance for seniors with health issues. While these products serve different purposes, they share a common objective: financial predictability for retirement and legacy planning.
About Investors Heritage Life Insurance Company
Investors Heritage Life Insurance Company is headquartered in Frankfort, Kentucky, and was founded in 1965. The company is owned by Aquarian Insurance Holdings LLC and holds an AM Best Financial Strength Rating of B++ (Good) with a Stable outlook, revised to Stable in July 2025 — an improvement from the prior Negative outlook. The revision reflects meaningful balance sheet improvement: capital and surplus increased 52% to $281 million in 2024, and risk-adjusted capitalization improved from weak to strong as measured by AM Best’s Capital Adequacy Ratio. The company is reinsured by New Reinsurance Company Ltd., a subsidiary of Munich Reinsurance Company. For a full evaluation of Investors Heritage as a carrier and what the B++ rating means in the context of a long-term annuity commitment, our resource on whether Investors Heritage is a good insurance company and our explainer on what an AM Best rating means together provide the full carrier evaluation framework.
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FAQs: Heritage Growth Advantage Fixed Indexed Annuity
What is the difference between the Heritage Growth Advantage and the Heritage Growth Advantage Plus?
The Heritage Growth Advantage and Heritage Growth Advantage Plus are closely related products from Investors Heritage Life Insurance Company that share the same basic structure — single premium deferred FIA, 7- or 10-year surrender options, volatility-controlled index strategies, 10% annual free withdrawal, nursing home waiver, and the same general carrier guarantees — but differ in one structurally important way. The standard Heritage Growth Advantage sets participation rates at issue and may adjust them at each crediting term renewal. The participation rate you receive in year one may differ from the rate applied at the next annual or two-year term renewal, because the carrier is not contractually bound to maintain the initial rate. The HGA+ version contractually guarantees that participation rates on every indexed account will not be reduced below the initial guaranteed rate for the full selected surrender period. This guarantee is the defining structural distinction: it eliminates participation rate uncertainty for the contract duration, which makes the HGA+ particularly suited for long-term performance modeling where consistent crediting assumptions matter. Clients who want to select between the two versions should request side-by-side illustrations at current participation rates across both products, paying attention to any difference in initial participation rates offered and weighing that against the value of the HGA+ guarantee against future rate reductions.
How does the nursing home waiver work and what are the qualifying conditions?
The nursing home waiver in the Heritage Growth Advantage allows access to up to 50% of the Account Value penalty-free on an annual basis if the annuitant becomes confined to a qualifying nursing home after the first contract year. Three conditions can trigger the waiver: medical necessity, inability to perform two of the six activities of daily living (eating, bathing, dressing, transferring/walking, toileting, and continence), or cognitive impairment. The confinement must be on a physician’s written recommendation and must last for 90 consecutive days before the waiver becomes available. The waiver provides access to up to 50% of the account value per year during the period of qualifying confinement — not a one-time lump sum. One important limitation: the waiver is not available if the annuitant was confined to a nursing home at the time the policy was issued. The 50% of Account Value provision is more generous than many competing FIA products, which may limit nursing home waiver amounts to 10% or 25% of account value. For clients evaluating how the Heritage Growth Advantage nursing home waiver compares to standalone long-term care coverage or dedicated annuity riders specifically designed for care costs, our resource on annuities with nursing home care riders provides a broader comparison framework.
Why does the Heritage Growth Advantage only use volatility-controlled indexes?
All four indexed strategy options in the Heritage Growth Advantage — the S&P MARC 5%, SG Entelligent Agile 6% VT, Morgan Stanley Dynamic U.S. Equities, and Nasdaq 100 with TruVol 10% VT — are volatility-controlled indexes rather than the standard uncontrolled benchmarks like a plain S&P 500 or Nasdaq 100. This is a deliberate product design choice aligned with the Heritage Growth Advantage’s accumulation-first positioning. Volatility-controlled indexes algorithmically manage their allocation between equity exposure and a cash or fixed income component to target a defined annual volatility level. When market volatility rises, equity weighting decreases; when it falls, equity weighting increases. The result is a smoother return profile with fewer extreme zero-credit years but also lower peak credits in strong equity markets compared to a standard benchmark cap strategy. The practical advantage for an FIA designed around protected accumulation is that volatility-controlled indexes tend to produce more consistent positive credits across different market environments, which compounds more predictably over a 7- or 10-year accumulation period than alternating between high credits and zero-credit years on a standard uncontrolled benchmark. In exchange for this consistency, the peak upside in exceptional equity years is typically lower. The four available indexes cover a range of volatility targets — from the 5% and 6% targets of the S&P MARC and SG products to the 10% target of the Nasdaq TruVol option — allowing clients to allocate among options with different volatility tolerances within the same contract.
Should I choose the 7-year or 10-year surrender option?
The choice between the 7-year and 10-year surrender options in the Heritage Growth Advantage should be driven primarily by how long you can genuinely commit to leaving the funds in place beyond the annual free withdrawal provision. The 7-year option is more appropriate for clients who anticipate needing full unrestricted access to these funds within seven years — perhaps because other liquid assets will be depleted during that window, because retirement income needs may require larger withdrawals than the 10% free withdrawal provision allows, or because a planned financial event (a home purchase, a business transition) will occur within the shorter horizon. The 10-year option is more appropriate for clients with a longer accumulation horizon who want to give the indexed crediting strategies more time to compound — longer surrender periods typically offer more favorable crediting terms in the FIA market because the carrier can support higher participation rates when the commitment period is longer. Clients who choose the 10-year option should be confident that the funds can remain in place for the full decade, with liquidity needs met through other assets, the 10% annual free withdrawal, and the RMD provision if applicable. The selection is made at issue and cannot be changed after the contract is issued. A personalized illustration comparing projected outcomes under both surrender options at your specific premium, age, and assumed participation rates is the most reliable basis for this decision.
What is the Market Value Adjustment and how does it affect a surrender?
The Market Value Adjustment in the Heritage Growth Advantage is a contractual mechanism that applies to excess withdrawals (withdrawals above the 10% free withdrawal) and full surrenders during the surrender charge period. The MVA adjusts the net amount received based on changes in the leading bond index yield between the day the contract was issued and the day the withdrawal or surrender occurs. If interest rates have risen since the contract was issued, the MVA is typically negative — reducing the net amount received beyond the surrender charge itself. If rates have fallen since issue, the MVA may be positive — increasing the net amount received. The combined effect of the surrender charge and a negative MVA can meaningfully reduce the net surrender value in a rising rate environment, which is why the Heritage Growth Advantage is best positioned as a hold-to-maturity product rather than a flexible-access vehicle. Two protections apply: the annual free withdrawal of 10% is not subject to the MVA, and the minimum guaranteed cash surrender value applies as a floor — regardless of how large the negative MVA might be, you will never receive less than that contractual minimum. For clients who may need to access the full contract value before the surrender period ends, the MVA risk alongside surrender charges should be part of the suitability analysis before purchase.
Can the Heritage Growth Advantage be funded with IRA or 401(k) assets?
Yes. The Heritage Growth Advantage is available for funding from a broad range of qualified and non-qualified sources, including Traditional IRA, IRA Rollover, IRA Transfer, Roth IRA, Roth Conversion, SEP IRA, 1035 Exchange, and Non-Qualified after-tax funds. For clients repositioning IRA or 401(k) assets, the transfer process must be structured as a direct trustee-to-trustee transfer or a qualifying rollover to avoid triggering withholding or the 60-day rollover clock. RMD compatibility is an important consideration for clients who are subject to required minimum distributions from qualified accounts at the time of purchase or who will become subject to RMDs during the contract’s surrender period. The Heritage Growth Advantage accommodates RMDs with a specific provision: RMDs may be taken penalty-free after the first six months of the contract — earlier than the standard 10% free withdrawal window that opens after year one — and withdrawal charges do not apply to RMD amounts even if they exceed the 10% annual free withdrawal allowance. Systematic RMD distributions can be scheduled automatically on annual, semi-annual, quarterly, or monthly frequencies subject to a $100 minimum per distribution payable by electronic transfer. For clients approaching RMD age who are concerned about maintaining qualified-account compliance during the surrender period, this provision makes the Heritage Growth Advantage a viable qualified-account vehicle without forcing RMD-triggered surrender charges.
What death benefit options are available and what is spousal continuation?
The Heritage Growth Advantage death benefit is equal to the greater of the Account Value or the Minimum Guaranteed Cash Surrender Value at the time of death — whichever is higher becomes the death benefit payable to the named beneficiary. Surrender charges are waived at death, so beneficiaries receive the full applicable death benefit amount without the surrender cost that would apply to an early surrender by the contract owner. Assets pass directly to named beneficiaries and bypass probate in most cases when beneficiaries are properly designated on the contract, which can simplify and accelerate the asset transfer process for heirs compared to assets that must pass through the estate. The spousal continuation provision provides an important planning option for married contract owners: if the sole primary beneficiary is the deceased owner’s spouse, the surviving spouse may elect to continue the contract as the new owner rather than taking a distribution. This continuation option allows the surviving spouse to maintain the contract’s protected accumulation structure, ongoing index crediting potential, and the remaining surrender period — deferring the tax event and preserving the annuity’s role in the couple’s retirement plan rather than triggering a potentially large taxable distribution at an emotionally and financially challenging time.
What is Investors Heritage Life Insurance Company’s current financial strength?
Investors Heritage Life Insurance Company holds an AM Best Financial Strength Rating of B++ (Good) with a Stable outlook — the outlook was revised to Stable in July 2025 from the prior Negative, reflecting meaningful improvement in the company’s balance sheet. Capital and surplus increased 52% to $281 million in 2024, and risk-adjusted capitalization improved from weak to strong as measured by AM Best’s Capital Adequacy Ratio. The company is owned by Aquarian Insurance Holdings LLC and is reinsured by New Reinsurance Company Ltd., a subsidiary of Munich Reinsurance Company, which provides additional claims-paying support for the Heritage Growth Annuity product line. B++ is below the A– threshold that many financial advisors consider a preferred minimum for long-term annuity placements. For a full explanation of what AM Best ratings mean and how to interpret them in the context of an annuity purchase decision, our resource on what an AM Best rating means provides the full context. Buyers comparing the Heritage Growth Advantage against competing FIA products from A-rated carriers should evaluate the product economics — particularly the participation rate structure, index menu, and 50% nursing home waiver — alongside the carrier financial strength difference when making the comparison.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years 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, Group Health, Travel Medical and Evacuation Insurance, 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, and contributions from his agency featured in Kiplinger and GoBankingRates— 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. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
Browse More Resources: Return to our complete Fixed Indexed Annuity Products & Education guide — covering FIA products and education from top carriers.
Last Reviewed: June 21, 2026 |
Reviewed by: Jason Stolz, CLTC, CRPC, DIA, CAA
Chief Underwriter, Diversified Insurance Brokers, Inc. | NPN: 20471358 | Licensed in all 50 states
Editorial Standards: Diversified Insurance Brokers maintains rigorous editorial standards to ensure accuracy, clarity, and independence in all content. Learn more about our editorial standards and commitment to transparency.
