| Heritage Premier 7 Buyers who want a straightforward, honestly-priced 7-year guaranteed rate with an optional long-term-care-style backstop built in at no extra cost | MYGA | 7yr | A- | — | — | Review → |
| Heritage Classic 3 Retirement savers who want a straightforward 3-year rate lock with predictable annual liquidity and no interest in an income rider or premium bonus | MYGA | 3yr | A- | — | — | Review → |
| Heritage Classic 5 Retirement savers who want a straightforward 5-year locked rate with real annual liquidity and a built-in health-event waiver, rather than the single highest headline rate in the Liberty Bankers Heritage lineup | MYGA | 5yr | A- | — | — | Review → |
| Heritage Classic 7 Buyers who want the most liquid, most feature-rich tier of Liberty Bankers' three-tier Heritage 7-year MYGA lineup, with penalty-free access if a qualifying health event happens | MYGA | 7yr | A- | — | — | Review → |
| Heritage Premier 5 Conservative savers who want a locked 5-year rate and value having a built-in health-event liquidity waiver, even if they never need to use it | MYGA | 5yr | A- | — | — | Review → |
| Heritage Premier Plus 7 Savers who want a locked seven-year rate and would rather have the bigger credit up front than spread evenly across the term | MYGA | 7yr | A- | — | — | Review → |
| Heritage Elite 7 Savers who want a simple, fully locked 7-year guaranteed rate and don't expect to need access to principal before maturity | MYGA | 7yr | A- | — | — | Review → |
| Heritage Premier 9 Long-horizon savers who want one flat, locked-in guaranteed rate for a full nine years and don't need a first-year rate bump to feel good about the contract | MYGA | 9yr | A- | — | — | Review → |
| Heritage Premier Plus 3 Savers who want a locked 3-year rate and aren't shopping on a first-year headline number alone | MYGA | 3yr | A- | — | — | Review → |
| Heritage Premier Plus 5 Buyers who like seeing a bigger number on the cover page and won't need the money back early | MYGA | 5yr | A- | — | — | Review → |
| Heritage Classic 9 Savers with a genuine decade-long horizon who want a locked fixed rate and value withdrawal flexibility over squeezing out the last quarter-point of yield | MYGA | 9yr | A- | — | — | Review → |
| Heritage Elite 3 Savers who want the highest current rate in Liberty Bankers' Heritage MYGA lineup and are certain they won't touch the money for three years | MYGA | 3yr | A- | — | — | Review → |
| Heritage Elite 5 Buyers who have already earmarked this money for a full five-year hold and specifically want the single highest flat guaranteed rate among Liberty Bankers' Heritage MYGA tiers | MYGA | 5yr | A- | — | — | Review → |
| Heritage Premier 3 Savers with a genuine 3-year horizon who want a flat locked rate, no fees, and don't need routine access to principal beyond accrued interest | MYGA | 3yr | A- | — | — | Review → |
| Heritage Premier Plus 9 Savers with a genuine nine-year horizon who want a locked, A- rated fixed rate and don't need liquidity beyond the interest they earn | MYGA | 9yr | A- | — | — | Review → |
| Heritage Elite 9 Buyers with a genuine nine-year horizon who want a rate locked for the entire term and won't need access to principal beyond required minimum distributions | MYGA | 9yr | A- | — | — | Review → |
| Liberty Select Conservative savers who want short-duration, principal-protected money with more withdrawal flexibility than a typical fixed annuity, and who read past the headline rate | MYGA | 7yr | A- | — | — | Review → |
| Liberty Choice Buyers who want a short, principal-protected fixed annuity with built-in nursing home and terminal illness surrender waivers and no rider fees | MYGA | 5yr | A- | — | — | Review → |
| Heritage Accumulator Conservative savers and IRA/RMD holders who want a declared-rate annuity but will not accept a multi-year lockup to get it | MYGA | 0yr | A- | — | — | Review → |
