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Product Details
Heritage Premier 3
Company social profile:
Product Name
Heritage Premier 3
Annuity Type
MYGA
Issuing Insurance Company and Ratings
Liberty Bankers Life
Ratings
Product Information
The Liberty Bankers Life’s Heritage Premier 3 is a Single Premium, Multi Year Guaranteed Annuity with a 3 Year interest rate guarantee and a 3 Year surrender charge period with a Market Value Adjustment, to optimize growth potential.
Key Features
Premium Types: Single
Minimum Premium: 10,000
Maximum Premium: 1,000,000
Free Look Period: 30 Days
Rate Lock Period: 45 Days
Tax-Qualified: IRA, NonQual, SEP IRA, IRA-Roth, Inherited IRA, Inherited Roth IRA
Rates
Effective Date: 09/02/2026
Initial Guarantee Period: 3 Years
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 10,000 - 1,000,000
Current
3 Year Guarantee Period Annual Yield:
4.7%
Interest rate start of year 1 through end of year 3:
4.7%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Premiums over $1,000,000 require Large Case Questionnaire company approval prior to submission of application.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: N/A
Withdrawal Years 2+: 100%
Wait Period Interest Only : 30 Days
Withdraw from the accumulation Value After : 3 Years
Minimum Policy Value : $10,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 90
Premium Limits: Premiums over $1,000,000 require Large Case Questionnaire company approval prior to submission of application.
State Restrictions: Non-Qualified Not Available In: CO, ME, SD, WY
