This material is intended for use with the general public to provide educational information about the features of a multi-year guaranteed annuity. This material is not and should not be considered personalized financial advice. Investors Heritage Life Insurance Company (Investors Heritage) is not an investment adviser and is not registered as such with the SEC or any state securities regulatory authority. Investors Heritage is not acting in a fiduciary capacity with respect to any contract and/or investment. Please consult your financial professional for more information, including recommendations or advice specific to your needs. The Heritage Builder is a single premium, multi-year guaranteed annuity (MYGA) issued Investors Heritage Life Insurance Company, 200 Capital Avenue, Frankfort, Kentucky. The Heritage Builder products are available on the following form numbers in most states. State variations apply. Contract form number ICC20-SPDA2, Nursing Home Waiver Rider ICC20-NHR-1, Waiver of Withdrawal Charges NHR-CA, and Market Value Adjustment Rider ICC20-MVA2. Product features and availability vary by state. See policy form for actual contract terms and conditions. A MYGA is intended to be an insurance product for retirement or other long-term needs for a person who has sufficient cash or other liquid assets available for living expenses and unexpected emergencies, such as medical expenses. A MYGA is not a registered security or stock market investment and does not participate directly in any stock or equity investments or index. Guarantees and claims paying ability are backed by the financial strength of Investors Heritage. Annuities are not FDIC or NCUA/ NCUSIF insured, are not obligations or deposits, are not guaranteed or underwritten by any bank, savings and loan or credit union and are not a condition of the provision or term of any banking service or activity. Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes and may also be subject to a 10% federal income tax penalty, if taken prior to age 59½. Normal rules surrounding the taxation of IRA payments apply. Early Withdrawal Charges may also apply. Guaranteed amounts may be reduced if withdrawals exceed the free withdrawal amounts. Investors Heritage does not provide tax, legal or accounting advice. Please consult a qualified advisor for such advice.
800.422.2011
www.investorsheritage.com
PO Box 717
Frankfort, KY 40602
We started Investors Heritage back when deals were sealed with a handshake. We firmly believe that people deserve respect, commitment and follow-through. Some may call that old fashioned, we don’t disagree. We’re putting old-fashioned values where they belong — in the future. So, we’ve always been looking ahead, investing in new technologies and new products to bring peace of mind, comfort, and dependability to our customers. For over a half century, we’ve backed our commitment to policyholders with a track record of financial strength and exceptional service. Each of our retirement and savings products is supported by a team of professionals working to protect and grow your savings across market cycles and give you peace of mind knowing that your future needs are met.
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