Ratings last updated July 30, 2026
Capitol Life Insurance Company, whose full legal name is The Capitol Life Insurance Company, is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of A- (Excellent).
AM Best assigns Capitol Life Insurance Company a financial-strength rating of A-, which sits in its "Excellent" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. An A- sits in AM Best's "Excellent" category, near the lower end of that range, reflecting its assessment that the company has an excellent ability to meet those obligations. Ratings can change; the rating shown here was last checked July 30, 2026.
Capitol Life lists three multi-year guaranteed annuities (MYGAs) on AnnuaLife, its Heritage series. Rates below are examples as of July 30, 2026 and vary by state.
| Product | Term | Rate | Minimum | Details |
|---|---|---|---|---|
| Heritage Elite 9 | 9 yr | 5.40% | $10,000 | View |
| Heritage Premier Plus 9 | 9 yr | 5.36% | $10,000 | View |
| Heritage Premier 9 | 9 yr | 5.35% | $10,000 | View |
Sources: Annuity Resources, Liberty Bankers. Company facts last checked July 30, 2026.
Capitol Life, part of the Liberty Bankers group, carries an A- rating, which is still in AM Best's "Excellent" range but near its lower end. Its Heritage MYGA series clusters around 5.35% to 5.40% on the 9-year, mid-pack on our board. The three Heritage variants pay within a few hundredths of a percent of each other, so the practical choice between them comes down to their features rather than the headline rate. If you want an A-range rating without reaching for the top of the board, it fits. An advisor can explain what separates the Heritage variants for your situation.
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