THERE ARE GUARANTEES IN LIFE IF YOU KNOW WHERE TO LOOK. Heritage Growth Advantage is an innovative single-pay, fixed index annuity (FIA) with guaranteed rates for the entire Surrender Charge Period. 1 It also guarantees you will keep your funds even if market performance is negative. So, if you want growth potential without risk of loss, talk to your financial planner about the Heritage Growth Advantage. ABOUT GUARANTEED PARTICIPATION RATES. With the Heritage Growth Advantage – unlike most other FIAs - your participation rates are guaranteed during the Surrender Charge Period. So, if for example, your participation rate is 70% when you purchase the policy – we will not lower that rate during the Surrender Charge Period – when a fee would apply to cancel your policy. IS THIS ADVANTAGE FOR YOU? FIAs like Heritage Growth Advantage are for people 18 – 80 with sufficient cash or other liquid assets to cover living expenses and unexpected emergencies, such as medical expenses. It is available for amounts of $25,000 - $1M 2 . FIAs can be funded via transfer from 401(k)s, IRAs, or other investments.
ISSUE AGE
Minimum – $25,000 Maximum – $1,000,000 2 PREMIUM INFORMATION
Minimum – 18 Maximum – 80
1 The Surrender Charge Period is 9 years in California and 10 years in all other states. 2 Premiums over $1M and up to $2M require Home Office approval.
HERITAGE GROWTH ADVANTAGE - CONSUMER GUIDE
3
Made with FlippingBook - Share PDF online