Heartland National
Secure Retirement 10 Year Growth
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
FIA
Surrender
10 years
Top yield
3.15%
A.M. Best
B++
This carrier is rated below A− (our floor for recommending a product). We still publish its rates and specs, but it will not appear in our recommendations.
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1-Year Fixed | Fixed | 4.50% | — | — | 3.15% |
| 1-Year Nasdaq 100 Point to Point with Cap | Point to Point | — | 10.00% | — | 2.70% |
| 1-Year Nasdaq 100 Point to Point with Participation Rate | Point to Point | — | — | 45.00% | 2.70% |
| 1-Year Nasdaq-100 Volatility Control 5% High Water Mark with Participation Rate | High Water | — | — | 110.00% | 2.70% |
| 1-Year S&P 500 Point to Point with Cap | Point to Point | — | 10.00% | — | 2.70% |
| 1-Year S&P 500 Point to Point with Participation Rate | Point to Point | — | — | 50.00% | 2.70% |
| 1-Year S&P Market Agility10 TCA High Water Mark with Participation Rate | High Water | — | — | 60.00% | 2.70% |
| 2-Year Nasdaq-100 Volatility Control 5% High Water Mark with Participation Rate | High Water | — | — | 150.00% | 2.70% |
| 2-Year S&P Market Agility10 TCA High Water Mark with Participation Rate | High Water | — | — | 90.00% | 2.70% |
Surrender Schedule
Yr 1
9.3%
Yr 2
8.45%
Yr 3
7.5%
Yr 4
8.5%
Yr 5
5.65%
Yr 6
4.75%
Yr 7
3.75%
Yr 8
2.75%
Yr 9
1.75%
Yr 10
0.75%
Product Specifications
- Minimum premium (non-qualified)
- $5,000
- Minimum premium (qualified)
- $5,000
- Maximum issue age
- 85
- Free withdrawal
- 5%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 35 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.