Secure Rate Pro
Heartland National Life Insurance Company
6.15%
10-yr guarantee
10%
Free W/D
33
Available states
Product analyzer
Run live numbers for Secure Rate Pro
Current guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Heartland National Life Insurance Company product.
Live product data
Rates as of July 16, 2026, from AdvisorWorld and CANNEX.
10-year guaranteed rate
6.15% guaranteed for 10 years
A multi-term fixed annuity from Heartland National with guarantee choices through ten years, annual withdrawal provisions, and an MVA-backed surrender structure.
Best fit
Buyers who want several guaranteed-rate horizons in one product family and can align the selected term with money they do not expect to need early.
AM Best
B++ Good
Surrender period
10 years
Free withdrawal
10%/yr
Availability
33 states (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- Guarantee choices spanning short, middle, and long horizons let buyers match the rate lock to their planned holding period.
- Annual interest withdrawal and required-minimum-distribution provisions add defined liquidity alongside the standard free-withdrawal allowance.
What to confirm
- The longest guarantee choice carries a matching long surrender schedule, so the contract should not be treated as short-term cash.
- Withdrawals above the permitted amount can face a market value adjustment as well as surrender charges, and the carrier's financial-strength rating should be weighed against alternatives.
Not ideal for
Buyers who need broad liquidity during the surrender period or who prefer a carrier with a stronger financial-strength rating.
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Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 5.8% |
| 5-Year | 6.1% |
| 7-Year | 6.1% |
| 10-Year | 6.15% |
Key Features
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
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.75%
Yr 8
2.85%
Yr 9
1.9%
Yr 10
0.95%
After
0%
Carrier Ratings
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See how Secure Rate Pro compares for your age, state, premium, and income goals alongside other Heartland National Life Insurance Company MYGA options.