Ratings last updated July 30, 2026
Heartland National Life Insurance Company is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of B++ (Good).
AM Best assigns Heartland National Life Insurance Company a financial-strength rating of B++, which sits in its "Good" 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. A B++ reflects AM Best's assessment that the company has a good ability to meet those obligations, a solid rating that sits one tier below the "Excellent" (A) range. Ratings can change; the rating shown here was last checked July 30, 2026.
Heartland National lists four multi-year guaranteed annuities (MYGAs) on AnnuaLife, its Secure Rate Pro series. Rates below are examples as of July 30, 2026 and vary by state.
| Product | Term | Rate | Minimum | Details |
|---|---|---|---|---|
| Secure Rate Pro 3 | 3 yr | 5.80% | $5,000 | View |
| Secure Rate Pro 5 | 5 yr | 6.10% | $5,000 | View |
| Secure Rate Pro 7 | 7 yr | 6.10% | $5,000 | View |
| Secure Rate Pro 10 | 10 yr | 6.15% | $5,000 | View |
Sources: Annuity.org. Company facts last checked July 30, 2026.
Heartland National posts some of the highest MYGA rates on our board, up to 6.15% on the 10-year Secure Rate Pro at the time of writing, with a low $5,000 minimum. Those rates come paired with a B++ ("Good") AM Best rating, one tier below the "Excellent" A-range carriers. That is the clean version of the rate-versus-rating tradeoff: you are picking up a meaningful bump in yield versus an A-rated carrier in exchange for a rating one notch lower. If you are optimizing for the guaranteed rate, Heartland often posts the higher number. An advisor can weigh that against a stronger-rated, lower-rate option for your timeline.
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