Heartland National Life
A long-tenured senior-market insurer - six decades in Medicare supplement and supplemental health, now expanded into annuities - offering a declared-rate multi-year guaranteed annuity backed by an AM Best B++ (Good) rating.
Financial strength
B++
AM Best
60+ years
A long-established senior-market carrier headquartered in Independence, Missouri, serving more than 40,000 policyholders across 36 states.
AM Best B++ (Good)
Carries an AM Best B++ (Good) Financial Strength Rating and bbb Issuer Credit Rating, affirmed May 30, 2024 with a stable outlook - a secure, single-agency grade below the A range.
Senior-market specialist
Pairs annuities with Medicare Supplement and supplemental health products (hospital indemnity, home health care, and more) under one carrier.
Secure Rate MYGA
Heartland National's current annuity lineup is its Secure Rate multi-year guaranteed annuity - a declared-rate MYGA for guaranteed, tax-deferred growth.
Retirement + healthcare
An integrated model coordinating retirement accumulation with senior healthcare coverage - unusual among annuity carriers.
Run live numbers on Heartland National Life products
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MYGAs / Fixed Annuities
Selected product: Secure Rate Pro
A fixed annuity group for buyers who want a declared guaranteed rate, principal protection, and tax-deferred growth.
Other current products
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Explore Heartland National Life products
Heartland National Life’s lineup, grouped by what each product group is built to do. Current rates come from CANNEX via AdvisorWorld and are checked daily.
Multi-Year Guaranteed Annuity
Fixed-rate contracts grouped separately from indexed annuities so guaranteed terms are compared on their own terms.
- Fixed-rate contracts grouped separately from indexed annuities
- Guaranteed term rates and surrender context live on each product page
Best for: Savers who want a declared fixed rate for a set period and a direct path to each product review.
Secure Rate MYGA
A multi-year guaranteed annuity from Heartland National Life Insurance Company offering flat declared rates at 3, 5, 7, and 10-year terms with an annual free-withdrawal allowance, a 10-year declining surrender ladder, and a single-agency carrier financial-strength rating.
10-year guaranteed rate
5.7%
Secure Rate Pro
A multi-term fixed annuity from Heartland National with guarantee choices through ten years, annual withdrawal provisions, and an MVA-backed surrender structure.
10-year guaranteed rate
6.15%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-16. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
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Company overview
What Heartland National Life is
Heartland National Life Insurance Company, headquartered in Independence, Missouri, is a long-tenured senior-market insurer with more than six decades of operating history. Historically a Medicare Supplement and supplemental-health carrier, it expanded into annuities in the early 2020s.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
The company serves more than 40,000 policyholders across 36 states and distributes through independent licensed agents and agency partners specializing in retirement and senior insurance - not direct to consumers.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
Heartland National Life's annuity lineup centers on Secure Rate MYGA.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
~1965
Headquartered in Independence, Missouri; 60+ years of operation.
Founded ~1965 · AnnuityRatesHQ carrier research
Policyholders
40,000+
More than 40,000 policyholders across 36 states.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
Focus
Senior market
Medicare supplement, supplemental health, and now annuities.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
AM Best
B++ (Good)
B++ FSR / bbb ICR, affirmed May 2024; secure but below the A range.
Affirmed May 2024 · AnnuityRatesHQ carrier research; AM Best
History highlights
Heartland National Life was established in the mid-1960s in Independence, Missouri, as a life, health, and supplemental insurer.
Founded ~1965 · AnnuityRatesHQ carrier research
For decades it operated as a senior-market specialist in Medicare Supplement and supplemental health coverage.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
In the early 2020s Heartland National expanded into annuities; AM Best affirmed its B++ (Good) rating with a stable outlook on May 30, 2024.
Affirmed May 2024 · AnnuityRatesHQ carrier research; AM Best
A senior-market carrier newly in annuities
Heartland National Life operates under its own corporate identity from Independence, Missouri, with a leadership team spanning annuities, sales, marketing, finance, and risk.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
For most of its 60-plus-year history the company focused on Medicare Supplement and supplemental health products for seniors, building a base of more than 40,000 policyholders.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
In the early 2020s it expanded into annuities, adding a multi-year guaranteed annuity to complement its senior-healthcare lineup.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
Financial strength
AM Best
CurrentB++
Good financial-strength rating (B++ FSR / bbb ICR) with a stable outlook, affirmed May 30, 2024 - secure, though below the A range, and single-agency.
Affirmed May 2024
What makes Heartland National Life different
A senior-market specialist
Heartland National pairs annuities with Medicare Supplement and supplemental health products (hospital indemnity, home health care, and more) under one carrier - an integrated retirement-plus-healthcare model unusual among annuity carriers.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
Six decades, newly in annuities
With more than 60 years of operating history and 40,000-plus policyholders, Heartland National is a long-tenured senior insurer that only entered the annuity market in the early 2020s.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
Secure B++ strength, stated plainly
Heartland National carries an AM Best B++ (Good) rating with a stable outlook (affirmed May 2024). It is a smaller, single-agency-rated niche carrier, not an A-rated national insurer, and we present its strength on those honest terms.
Affirmed May 2024 · AnnuityRatesHQ carrier research; AM Best
A single, focused MYGA
Heartland National Life's annuity lineup is the Secure Rate multi-year guaranteed annuity - a declared-rate MYGA for guaranteed, tax-deferred growth with current published rates, terms, and state availability.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Heartland National Life
Heartland National Life Insurance Company, headquartered in Independence, Missouri, is a long-tenured senior-market insurer with more than six decades of history and over 40,000 policyholders. Historically a Medicare Supplement and supplemental-health carrier, it expanded into annuities in the early 2020s.
Checked 2026-06-30 · AnnuityRatesHQ carrier research
The company carries an AM Best B++ (Good) rating with a stable outlook (affirmed May 2024). It is a smaller, single-agency-rated niche carrier rather than a top-tier national insurer - we describe its strength on those honest terms. Its live annuity shelf is the Secure Rate MYGA.
Affirmed May 2024 · AnnuityRatesHQ carrier research; AM Best
Heartland National concentrates its annuity lineup in Secure Rate, a fixed-rate annuity for guaranteed, tax-deferred growth.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Heartland National Life's current rate report
Compare Heartland National Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Heartland National Life corporate site — 2026-06-30
- AnnuityRatesHQ carrier research - Heartland National overview, senior-market history, 40,000+ policyholders / 36 states, AM Best B++ / bbb affirmed May 30 2024 — Checked 2026-06-30
- Live product catalog (Secure Rate MYGA), rates, terms: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026