Heritage Income Advantage

INTRODUCING YOUR RETIREMENT ADVANTAGE Heritage Income Advantage is a single-premium, deferred, fixed indexed annuity designed to protect your assets from market downturns and grow your retirement savings. The optional Guaranteed Lifetime Withdrawal Benefit Rider (GLWB) can provide a guaranteed income stream — that you can’t outlive — and the ability to double your income for certain qualifying conditions. Here we provide an overview of our Heritage Income Advantage and how it can fit into your overall retirement plan. Your financial professional can provide more information and answer any questions you may have.

GET TO KNOW THE BENEFITS

ƒ Your funds are safe from market downturns. ƒ Immediately grow your funds with the Premium Bonus. ƒ Includes a Guaranteed Minimum Interest Rate. ƒ Tax deferred growth. ƒ Access to your funds with penalty-free withdrawal options. ƒ Optional rider provides guaranteed lifetime income stream and guaranteed doubled income for up to five years for certain qualifying medical conditions. YOUR ADVANTAGE STARTS HERE The Heritage Income Advantage is a single premium FIA, meaning you purchase the annuity with one payment. It can be purchased for as little as $25,000 up to $1,000,000. It is available for both Qualified and Non-Qualified Accounts, for ages 18 to 80 and is available for Single or Joint Ownership. A state premium tax may apply at purchase or at annuitization. Please see State Premium Tax form for state specific information. INCLUDE A RETIREMENT INCOME STREAM The optional Guaranteed Lifetime Withdrawal Benefit Rider (GLWB) is available at purchase for those ages 55 – 80. The GLWB Rider provides a guaranteed lifetime income stream and also includes the Enhanced Income Benefit Rider (EIB) which is guaranteed to double your Lifetime Annual Income for up to five years for certain qualifying medical conditions - even if your account value is $0 1 . GET IMMEDIATE GROWTH The Heritage Income Advantage includes a Premium Bonus that immediately increases your contract value. The Premium Bonus is added at issue and is available for allocation in your crediting strategy. If you include the GLWB with your contract, you’ll also receive a Benefit Base Bonus at issue. The Benefit Base is used to calculate your Lifetime Annual Income. FLEXIBILITY WHEN YOU NEED IT The Heritage Income Advantage provides access to your funds with several penalty-free withdrawal options, including Required Minimum Distributions (RMDs), 10% Annual Contract Value Withdrawal and a Nursing Home Waiver. 2 See California supplemental form for state specific waiver information. 1 The GLWB and EIB amounts are guaranteed after income is turned on, assumes no excess withdrawals and the rider is not terminated per contract provisions. 2 Certain restrictions apply, see contract for details. The Nursing Home Waiver is not available in SD.

CONSUMER GUIDE - HIA-CG-01-2023

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