Heartland National Life Insurance Company offers a competitive suite of annuity solutions—Multi‑Year Guaranteed Annuities (MYGAs) and Fixed Indexed Annuities (FIAs), designed to support predictable accumulation, client security, and agent-friendly processes.
As an insurance agent, partnering with Heartland National gives you access to strong consumer value, transparent product structures, and streamlined contracting, allowing you to close more business with confidence.
Why Agents Choose Heartland National
Fast, Streamlined Contracting
Heartland National provides simplified onboarding, with many agents contracted in as little as 48 hours, coupled with direct access to agency support.
Strong, Competitive Rates
MYGA rates currently range from 5.50% to 6.00% across 3–10 year terms, offering excellent accumulation potential to help you attract rate‑conscious clients.
Agent‑Friendly FIA Features
The Secure Retirement FIA Series offers:
- Up to 25% premium bonus on day one (varies by product version)
- Index options linked to S&P 500®, Nasdaq‑100®, and volatility‑controlled indices with a High Water Mark feature for enhanced transparency and growth potential
- No fees or spreads on crediting strategies in their latest FIA design
Strong Marketing Support
Agents receive training, product materials, and real-time access to support teams to help position products effectively.
Benefits for Your Clients
MYGA Benefits — Simple, Predictable Growth
Heartland National MYGAs provide:
- Guaranteed fixed interest rate for 3–10 years
- Tax‑deferred accumulation, allowing compounding to work more effectively over time
- Principal protection against market volatility
- Flexible payout options at maturity (lump sum, income stream, renewal)
This is ideal for conservative investors or clients nearing retirement seeking stable returns.
FIA Benefits — Growth Potential With Protection
Heartland National’s Secure Retirement Fixed Indexed Annuity Series offers:
- Market‑linked growth with 100% principal protection (no downside risk)
- Three versions—Growth, Boost, Max Bonus—allowing tailored strategies for different client objectives
- Up to 25% premium bonus on day one (vesting rules apply)
- Annual reset, locking in gains each year with no risk of loss from future market declines
- Robust living benefits including terminal illness, nursing home, critical illness, and home health care withdrawal options after the first contract year
- Liquidity options including 5% free withdrawals annually, with unused amounts rolling forward up to 25% cumulative
This is perfect for clients who want growth potential paired with downside protection.
Why Add Heartland National to Your FMO Portfolio?
Heartland National’s combination of strong consumer value, competitive rate positioning, simplified underwriting, and agent‑friendly tools makes their annuity lineup ideal for agents targeting pre‑retirees, retirees, and clients seeking guaranteed income or safe‑growth options.
Whether you’re looking to grow your annuity business or provide clients with more resilient retirement strategies, Heartland National is a carrier that delivers both product strength and operational support.
Agent Resources
- Heartland National Agent Portal (Login)
- Multi‑Year Guaranteed Annuities (MYGA)
- Fixed Indexed Annuities (FIA)
- Marketing Partner Resources
Opt-in to get contracted today.
Call 888-622-9122
Disclaimer – This material is for informational and example purposes only and is not a contract. Product features, benefits, rates, underwriting guidelines, and availability are subject to change at any time without notice. For the most current and complete details, please refer to official Heartland National Annuities documentation and resources.