Heartland National launches MYGA series with rates up to 6.15%

Heartland National Life Insurance Company has introduced Secure Rate Pro, a new multi-year guaranteed annuity series with fixed rates for 3, 5, 7 and 10 years. The product is aimed at retirement savers seeking principal protection, tax-deferred growth and optional liquidity features.

Why it matters: - Secure Rate Pro gives retirement savers a fixed-rate option in a market where predictability and downside protection remain priorities. - The MYGA series may appeal to clients who want tax-deferred accumulation without giving up principal protection. - The product structure also lets financial professionals tailor liquidity features instead of forcing riders into every contract.

What happened: - Heartland National Life Insurance Company launched Secure Rate Pro, a new Multi-Year Guaranteed Annuity series. - The series offers guaranteed interest rates of up to 6.15% for clients seeking principal protection, tax-deferred growth and predictable accumulation. - The product was announced June 23, 2026, in Independence, Missouri. - Secure Rate Pro is a single-premium deferred fixed annuity.

The details: - The contract includes guaranteed rate periods of 3, 5, 7 and 10 years. - Current declared rates are 5.80% for 3 years, 6.10% for 5 years, 6.10% for 7 years and 6.15% for 10 years. - Rates are fixed at issue and guaranteed for the selected period. - Optional riders can add liquidity features. - The base contract preserves the full declared rate when no optional rider is selected. - Todd Wyss, executive vice president of life and annuities at Heartland National Life Insurance Company, said Secure Rate Pro was developed to give clients more control over how they balance accumulation and liquidity. - Wyss said clients focused on long-term growth can choose the base contract, while clients who need withdrawal flexibility can select a rider option that matches their goals. - Guarantees are backed by the claims-paying ability of Heartland National Life Insurance Company. - Rates are current as of June 25, 2026, and can change without notice. - Product availability may vary by state. - Licensed professionals can call the home office at (816) 816-MYGA (6942) for product details and current rates.

Between the lines: - Heartland National is positioning the new series as a tradeoff-friendly retirement product, with the core rate intact unless the buyer chooses extra features. - The design suggests the company is targeting savers who want flexibility, but do not want liquidity options to reduce the base accumulation rate. - The filing-style rate display and state-by-state availability language signal a product built for distribution through licensed professionals rather than direct consumer sales.

What's next: - Rates may change after June 25, 2026, so buyers will need to confirm current pricing before purchase. - Availability will depend on state approval and local product rules. - Interested professionals can request full product information from Heartland National before presenting the contract to clients.

The bottom line: - Secure Rate Pro adds another fixed-rate retirement option for savers who want guaranteed accumulation, principal protection and optional liquidity without sacrificing the base rate.