Expert review · 2026

Heartland National review

Annuity Atlas covers 11 Heartland National annuity products with live rates and contract specs. 11 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

B++

Insurer claims-paying rating

Products tracked: 11
MYGA yield (lineup max): 6.05% · 10yr · Secure Rate Pro 10-Year
Surrender range: 3–10 years

Rate as of Oct 16, 2026

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Products covered

A.M. Best

B++

Categories covered

MYGA · FIA

11 Heartland National annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Secure Rate Pro 10-Year Long-horizon savers who want a single guaranteed rate locked in for a full 10 years and can commit the money without needing withdrawal access along the way	MYGA	10yr	B++	—	—	Review →
Secure Rate Pro 5-Year Rate-focused shoppers comfortable with a B++ carrier who are willing to either forgo penalty-free access for the full five years or pay a modest rate reduction to get any at all	MYGA	5yr	B++	—	—	Review →
Secure Rate Pro 7-Year Buyers who want a competitive locked 7-year rate, don't need any access to principal along the way, and will actively manage the 30-day renewal decision at term's end	MYGA	7yr	B++	—	—	Review →
Secure Rate Pro 3-Year Savers who want the strongest short-term locked rate on Heartland National's shelf and can go without any built-in free withdrawal during the three-year term	MYGA	3yr	B++	—	—	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 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 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 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	B++	—	12% (through age 70) / 8% (ages 71–75) / 5% (ages 76–80)	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	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	B++	—	25% (through age 70) / 16% (ages 71–75) / 10% (ages 76–80)	Review →

Secure Rate Pro 10-Year

Long-horizon savers who want a single guaranteed rate locked in for a full 10 years and can commit the money without needing withdrawal access along the way

B++

A.M. BEST

MYGA10-YR SURRENDER

Review →

Secure Rate Pro 5-Year

Rate-focused shoppers comfortable with a B++ carrier who are willing to either forgo penalty-free access for the full five years or pay a modest rate reduction to get any at all

B++

A.M. BEST

MYGA5-YR SURRENDER

Review →

Secure Rate Pro 7-Year

Buyers who want a competitive locked 7-year rate, don't need any access to principal along the way, and will actively manage the 30-day renewal decision at term's end

B++

A.M. BEST

MYGA7-YR SURRENDER

Review →

Secure Rate Pro 3-Year

Savers who want the strongest short-term locked rate on Heartland National's shelf and can go without any built-in free withdrawal during the three-year term

B++

A.M. BEST

MYGA3-YR SURRENDER

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

B++

A.M. BEST

MYGA10-YR SURRENDER

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

B++

A.M. BEST

MYGA7-YR SURRENDER

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

B++

A.M. BEST

MYGA5-YR SURRENDER

Review →

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

B++

A.M. BEST

MYGA3-YR SURRENDER

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

B++

A.M. BEST

FIA10-YR SURRENDERBONUS 12% (through age 70) / 8% (ages 71–75) / 5% (ages 76–80)

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

B++

A.M. BEST

FIA10-YR SURRENDER

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

B++

A.M. BEST

FIA10-YR SURRENDERBONUS 25% (through age 70) / 16% (ages 71–75) / 10% (ages 76–80)

Review →

Frequently asked questions

Is Heartland National a good annuity company?

We have reviewed 11 Heartland National products, 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.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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