Heartland National review

Annuity Atlas has published 7 editorial reviews of Heartland National products. Average peer-group rating 3.5 / 5, top-rated product earns 3.8 / 5. Browse the full lineup below.

Our rating

3.5

Avg ★ / 5

Products reviewed7

A.M. BestB++

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Reviews published

Average rating

★ 3.5 / 5

A.M. Best

B++

Categories covered

MYGA · FIA

7 Heartland National annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Secure Rate MYGA 3-Year Savers who want a competitive short-term locked rate and can accept a smaller, B++-rated carrier in exchange for it	MYGA	3yr	B++	—	—	Review →
Secure Rate MYGA 5-Year Shoppers comfortable with a mid-strength (A.M. Best B++) carrier who want a competitively priced 5-year locked rate and don't need broad free-withdrawal access	MYGA	5yr	B++	—	—	Review →
Secure Retirement 10-Year Growth Buyers who want the highest caps and participation rates available in Heartland National's Secure Retirement lineup and would rather take that upside directly than wait out a decade-long bonus vesting schedule	FIA	10yr	★ 3.7	—	—	Review →
Secure Retirement 10-Year Boost Buyers who want a principal-protected accumulation FIA and value the 12% bonus's immediate full vesting at death or a care event more than the extra cap headroom the no-bonus sibling offers	FIA	10yr	★ 3.6	—	12.00% (issue ages 0-70), 8.00% (ages 71-75), 5.00% (ages 76-80); N/A for ages 81-85. Vests 0% in Year 1, then +10 percentage points of the bonus per year through Year 10 (10%,20%,...,90%), reaching 100% vested in Year 11+. Bonus becomes fully vested immediately upon death or a qualifying Nursing Home/Terminal Illness/Critical Illness/Home Health Care waiver event. If the client withdraws more than the annual penalty-free amount during the surrender period, unvested bonus is forfeited proportionally (vests only per the schedule above).	Review →
Secure Rate MYGA 10-Year Savers with a genuinely 10-year time horizon who want a rate locked for the full term and are comfortable with a smaller, B++-rated carrier	MYGA	10yr	B++	—	—	Review →
Secure Rate MYGA 7-Year Conservative savers who specifically want a Heartland National contract and are comfortable with a mid-strength carrier for a full seven-year term	MYGA	7yr	B++	—	—	Review →
Secure Retirement 10-Year Max Legacy-minded buyers who value a large day-one bonus that vests in full at death, and who accept the series' weakest index caps as the price of it	FIA	10yr	★ 3.1	—	25.00% (issue ages 0-70), 16.00% (issue ages 71-75), 10.00% (issue ages 76-80); not available ages 81-85 (Max variant issue ages therefore cap at 80 per the Wink profile, versus 0-85 for the series generally)	Review →

Frequently asked questions

Is Heartland National a good annuity company?

Heartland National earns an average rating of 3.5/5 across the 7 products we've reviewed, and A.M. Best rates the carrier B++ for financial strength.

What is the surrender period for Heartland National annuities?

Surrender periods on Heartland National's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

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