3.65%
7-yr guarantee
10%
Free W/D
50
Jurisdictions
Product analyzer
Run live numbers for Heritage Builder Annuity
Current guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Investors Heritage product.
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Surrender period
7 years
Free Comparison Report
Get a Heritage Builder Annuity rate report
See how Heritage Builder Annuity compares for your age, state, premium, and income goals alongside other Investors Heritage MYGA options.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 3% |
| 5-Year | 3.5% |
| 7-Year | 3.65% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, RMD waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
Get a Heritage Builder Annuity rate report
See how Heritage Builder Annuity compares for your age, state, premium, and income goals alongside other Investors Heritage MYGA options.