| Heritage Premier Plus 7 Buyers who want a full 7-year guaranteed rate with a modest first-year lift and don't need access to principal during the term | MYGA | 7yr | A- | — | — | Review → |
| Heritage Classic 7 Buyers who want a straightforward 7-year locked rate with a lower $10,000 minimum premium and meaningful health-event access if they need out early | MYGA | 7yr | A- | — | — | Review → |
| Summit Prime 10 Buyers who want a straightforward 10-year FIA with a genuine choice between a capped and an uncapped crediting strategy, no premium-bonus complexity, and a no-cost built-in liquidity feature for a health event | FIA | 10yr | ★ 4.0 | — | — | Review → |
| Summit Prime 7 Buyers who want a low-minimum, principal-protected 7-year FIA and value a no-cost nursing-home and terminal-illness liquidity waiver more than a deep index menu | FIA | 7yr | ★ 4.0 | — | — | Review → |
| Heritage Classic 5 Buyers who want a straightforward 5-year locked-in rate with an unusually broad set of health-related surrender waivers and a low $10,000 minimum | MYGA | 5yr | A- | — | — | Review → |
| Heritage Classic 3 Shoppers who want a short, locked-in guaranteed rate and value the built-in health waiver access more than first-year liquidity | MYGA | 3yr | A- | — | — | Review → |
| Heritage Classic 9 Buyers with a genuine nine-year time horizon who want a locked mid-5% rate from an A- rated carrier and a broader-than-usual set of health-related surrender waivers | MYGA | 9yr | A- | — | — | Review → |
| Heritage Premier 3 Buyers who want a short, locked-in guaranteed rate and value having nursing-home, terminal-illness, disability, and home-health waivers bundled in at no extra cost | MYGA | 3yr | A- | — | — | Review → |
| Heritage Premier 7 Retirement savers who want a locked 7-year rate from an A- carrier and place some value on optional long-term-care liquidity protection | MYGA | 7yr | A- | — | — | Review → |
| Heritage Premier Plus 5 Savers who want a guaranteed 5-year rate and value the built-in health-event surrender waivers more than everyday withdrawal flexibility | MYGA | 5yr | A- | — | — | Review → |
| Summit Prime 5 Buyers who want a shorter 5-year FIA commitment, a straightforward two-index crediting menu, and a no-cost health-event liquidity feature, without paying for an income rider they will not use | FIA | 5yr | ★ 3.8 | — | — | Review → |
| Heritage Elite 5 Buyers with truly idle five-year money who want a locked, competitive rate and don't expect to touch the account before maturity | MYGA | 5yr | A- | — | — | Review → |
| Heritage Premier 5 Savers who want a locked 5-year rate, a low $10,000 minimum, and a broader health-event waiver suite than most MYGAs bundle in | MYGA | 5yr | A- | — | — | Review → |
| Heritage Premier Plus 9 Retirement savers with a genuine nine-year time horizon who want a locked, A- rated guaranteed rate and don't need early access to principal | MYGA | 9yr | A- | — | — | Review → |
| Summit Prime 10 Bonus Buyers who want an immediate account-value boost at issue and are comfortable trading some crediting flexibility and a higher minimum premium for it | FIA | 10yr | ★ 3.7 | — | 8.00% | Review → |
| Heritage Elite 7 Non-qualified buyers who want a competitive locked-in rate for a full 7 years and won't need access to the money before the term ends | MYGA | 7yr | A- | — | — | Review → |
| Heritage Premier 9 Savers who want a long, fully locked 9-year guaranteed rate and value the built-in chronic-illness surrender waiver more than day-to-day liquidity | MYGA | 9yr | A- | — | — | Review → |
| Heritage Premier Plus 3 Buyers drawn in by a strong headline year-one rate who intend to hold the full three years and want built-in health waiver access | MYGA | 3yr | A- | — | — | Review → |
| Heritage Accumulator Savers who want tax-deferred growth with unrestricted access to their money and no interest in locking into a multi-year rate | MYGA | 0yr | A- | — | — | Review → |
| Heritage Elite 3 Buyers who are certain they won't touch this money for three years and want a straightforward fixed-rate lock from an A- rated carrier | MYGA | 3yr | A- | — | — | Review → |
| Heritage Elite 9 Long-horizon savers who want a genuinely locked 9-year rate and don't expect to need any of the money before the term ends | MYGA | 9yr | A- | — | — | Review → |
