Heartland National Life Secure Rate 5
Current Fixed Rate
Rate Effective Date September 11, 2026
The Heartland National Life Secure Rate 5 is a single premium, fixed annuity with a five-year rate guarantee. This policy automatically includes free accumulated interest withdrawals (after 30 days) and a surrender-free death benefit feature. The contract also offers a Market Value Adjustment rider.
Upon maturity, owners have a 30-day window to withdraw, transfer, or renew their full account value. Alternatively, owners can opt for a one-year surrender-penalty-free account at the minimum guaranteed interest rate. However, if no action is taken, the contract will renew for a new 5-year guaranteed fixed annuity term with a new surrender schedule.
This account accepts both qualified and non-qualified deposits. If desired, two unique withdrawal riders (described below) can be added at the onset of the contract. They would each reduce the yearly interest rate accordingly.
Those looking to lock in a higher fixed interest rate might consider the Heartland National Life Secure Rate Pro 5 for growth and income.
More Annuity options from: Heartland National Life
Notable Features
This account offers two optional liquidity riders that each reduce the yearly interest rate. Consumers can add a 5% Free Withdrawal Rider (yearly interest reduction = .10%) and/or an Enhanced Benefit Rider (yearly reduction = .15%) for additional access to their account value.
The 5% Withdrawal rider allows for additional policy liquidity during the surrender window (including free Required Minimum Distributions) while the Enhanced Benefit rider waives surrender penalties due to terminal illness diagnosis or nursing home stay.
Additional Details
Product Type
MYGA (Multi-Year Guaranteed Annuity)
Term
5 Years
Free Withdrawals Yr1 / Yr2+
Int / Int
Additional Withdrawal Information
After 30 days, owners can withdraw their accumulated earned interest (monthly, quarterly, yearly, etc.) without surrender charges or a Market Value Adjustment. However, if the interest gains are not withdrawn by the policy anniversary, those gains become part of the account value and do not carry over to the next year. Accumulated Interest withdrawals reset to zero on each policy anniversary.
Surrender Schedule
9%, 8%, 7%, 6%, 5%, 0%
Maximum Age
90
Minimum Investment
$5,000
Maximum Investment
$1,000,000 without prior approval
What We Like About This Annuity
This is a 5 yr annuity with access to the accumulated interest each month. Accounts can be funded with as little as $5K. The full account value is available at passing, and a non-renewal option is available at maturity, which locks in a one-year rate and keeps the funds 100% liquid and penalty-free.
Other Popular Products
Heartland National Life is best known for multi-year guaranteed annuity and fixed-indexed bonus accounts. They also offer low-cost Medicare Supplement policies, home health care coverage, and hospital indemnity plans. They primarily serve senior markets for ancillary insurance and annuities policies.
About Heartland National Life
Heartland National Life
AM Best Rating: B++ Good (5th of 13 ratings)
https://www.heartlandnationallife.com/
About Heartland National Life Insurance Company
Heartland National is a multi-line insurance company located in Independence, Missouri, near Kansas City. They specialize in fixed and indexed annuities and have been underwriting insurance policies for over 61 years. They boast over 40,000 policyholders and numerous awards to their credit.
In 2024 alone, they issued over $220 million in annuity premiums with nearly 3,000 new annuity policyholders to date. They are reinsured by Converge RE II.
Four of their core commitments are professional service, competitive rates and coverage, online access, and 24/7 support. They aim to provide competitive insurance coverage and consumer protection through high-quality products.