Capitol Life Insurance Company
Heritage Elite 9
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
MYGA
Surrender
9 years
Top yield
5.40%
A.M. Best
A-
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| SPIA Account | Fixed | 5.40% | — | — | 5.40% |
Surrender Schedule
Yr 1
7.9%
Yr 2
7%
Yr 3
6.2%
Yr 4
5.3%
Yr 5
4.4%
Yr 6
3.5%
Yr 7
2.7%
Yr 8
1.8%
Yr 9
0.9%
Yr 10
0%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 86
- Free withdrawal
- 0%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 49 states
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.