Skip to content 
Product Details
Heritage Classic 5
Company social profile:
Product Name
Heritage Classic 5
Annuity Type
MYGA
Issuing Insurance Company and Ratings
Liberty Bankers Life
Ratings
Product Information
The Liberty Bankers Life’s Heritage Classic 5 is a Single Premium, Multi Year Guaranteed Annuity with a 5 Year interest rate guarantee and a 5 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: 5 Year
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
5 Year Guarantee Period Annual Yield:
5.15%
Interest rate start of year 1 through end of year 5:
5.15%
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
N/A
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
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): 18-90
Premium Limits: Premiums over $1,000,000 require Large Case Questionnaire company approval prior to submission of application.
State Restrictions: Not available in GU NY PR VI
