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Fixed Rate Annuities

A Single Premium Deferred Fixed Annuity Designed for Steady, Predictable Growth

Grow with Confidence, Not Guesswork

A Fixed Rate Annuity offers a guaranteed interest rate over a set term, helping you grow your retirement savings while insulating it from market risk. It's a smart way to add stability to your income strategy — especially in an unpredictable economy.

Why Choose a Fixed Rate Annuity?

Guaranteed Growth

Your interest rate is locked in for the duration you choose — 3, 5, or 7 years — and isn’t affected by stock market swings.¹

Tax-Deferred Compounding

No taxes are due on your earnings until you make withdrawals, allowing your money to compound uninterrupted.²

Flexible Term Options

Pick the guarantee period that aligns with your retirement goals — and enjoy the freedom to adjust after the term ends.

How It Works

Long-Term Growth, Short-Term Peace of Mind

You invest a lump sum. We guarantee the growth. When it’s time, you can choose to receive income that’s consistent — no matter what the market does. This income can be set for a specific number of years, or for life.

1. Choose Your Guarantee Period
Select a 3-, 5-, or 7-year growth period. When your term ends, your annuity automatically renews into a one-year term — no withdrawal charges apply.

2. Access When You Need It
Your contract includes Free Withdrawal Options:

Year 1: Withdraw up to 10% of your purchase payment
Year 2 onward: Withdraw up to 10% of your account value annually
Additional penalty-free withdrawals allowed for:
- Nursing Home Stay⁵
- Terminal Illness⁵
- Required Minimum Distributions (RMDs)⁶
- Post-Term Withdrawals

Why Fixed Rate Annuities Matter

In retirement, stability is just as important as growth. Fixed Rate Annuities offer a predictable path forward — helping you cover essential expenses, plan for the unexpected, and enjoy peace of mind.

🔒 Lock in your growth.
🌱 Let it grow tax-deferred.
💼 Rely on consistent income later.

Get Started Today

Talk to your financial professional about how a Fixed Rate Annuity fits into your retirement plan.

Trusted by thousands of individuals and families, Heritage One Insurance helps you build retirement strategies rooted in stability and supported by strength.