Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Liberty Bankers review

Annuity Atlas covers 19 Liberty Bankers annuity products with live rates and contract specs. 19 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A-

Insurer claims-paying rating

Products tracked
19
MYGA yield (lineup max)
5.75% · 5yr · Heritage Elite 5
Surrender range
1–9 years
Rate as of Oct 22, 2026
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Products covered
19
A.M. Best
A-
Categories covered
MYGA

19 Liberty Bankers annuities

Click any product for rates, specs, and the full peer-group 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
A-
A.M. BEST
MYGA5-YR SURRENDER
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
A-
A.M. BEST
MYGA7-YR SURRENDER
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
A-
A.M. BEST
MYGA9-YR SURRENDER
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
A-
A.M. BEST
MYGA9-YR SURRENDER
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
A-
A.M. BEST
MYGA5-YR SURRENDER
Review →
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
A-
A.M. BEST
MYGA7-YR SURRENDER
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
A-
A.M. BEST
MYGA9-YR SURRENDER
Review →
Heritage Premier Plus 5
Buyers who like seeing a bigger number on the cover page and won't need the money back early
A-
A.M. BEST
MYGA5-YR SURRENDER
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
A-
A.M. BEST
MYGA7-YR SURRENDER
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
A-
A.M. BEST
MYGA9-YR SURRENDER
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
A-
A.M. BEST
MYGA5-YR SURRENDER
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
A-
A.M. BEST
MYGA7-YR SURRENDER
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
A-
A.M. BEST
MYGA3-YR SURRENDER
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
A-
A.M. BEST
MYGA3-YR SURRENDER
Review →
Heritage Premier Plus 3
Savers who want a locked 3-year rate and aren't shopping on a first-year headline number alone
A-
A.M. BEST
MYGA3-YR SURRENDER
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
A-
A.M. BEST
MYGA3-YR SURRENDER
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
A-
A.M. BEST
MYGA1-YR SURRENDER
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
A-
A.M. BEST
MYGA5-YR SURRENDER
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
A-
A.M. BEST
MYGA7-YR SURRENDER
Review →

Frequently asked questions

Is Liberty Bankers a good annuity company?
We have reviewed 19 Liberty Bankers products, and A.M. Best rates the carrier A- for financial strength.
What is the surrender period for Liberty Bankers annuities?
Surrender periods on Liberty Bankers's current lineup run 1–9 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.
Full methodology →Who publishes this →

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