Investors Heritage
Heritage Income Advantage
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. We don't hold this carrier's brochure for this product yet, so the specifications below are limited to what the rate filing carries.
Type
FIA
Surrender
10 years
Top yield
3.26%
A.M. Best
B++
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 Morgan Stanley Dynamic US Equities Index Point-to-Point with Participation Rate | Point to Point | — | — | 37.00% | 3.26% |
| 1 Year S&P 500® Annual Monthly Sum Cap | Point to Point | — | 1.25% | — | 3.26% |
| 1 Year S&P 500® Point-to-Point with Cap | Point to Point | — | 2.50% | — | 3.26% |
| 1 Year S&P 500® Point-to-Point with Participation Rate | Point to Point | — | — | 18.00% | 3.26% |
| 1 Year S&P Marc 5 Point-to-Point with Participation Rate | Point to Point | — | — | 55.00% | 3.26% |
| 1 Year SG Entelligent ® Agile 6% VT Index Point-to-Point with Participation Rate | Point to Point | — | — | 55.00% | 3.26% |
| 2 Year Morgan Stanley Dynamic US Equities Index Point-to-Point with Participation Rate | Point to Point | — | — | 64.00% | 3.26% |
| 2 Year S&P Marc 5 Point-to-Point with Participation Rate | Point to Point | — | — | 80.00% | 3.26% |
| 2 Year SG Entelligent ® Agile 6% VT Index Point-to-Point with Participation Rate | Point to Point | — | — | 80.00% | 3.26% |
| 1 Year Fixed Account | Fixed | 2.40% | — | — | 3.10% |
Surrender Schedule
Yr 1
9.3%
Yr 2
9.3%
Yr 3
8.3%
Yr 4
7.3%
Yr 5
6.3%
Yr 6
5.3%
Yr 7
4.2%
Yr 8
3.2%
Yr 9
2.1%
Yr 10
1%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 48 states
Income Riders
Guaranteed Lifetime Withdrawal Benefit RiderGLWB
Roll-up: 6.00%
Withdrawal age: 56.0 Min
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. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.