• Annuities

    When it comes to your financial future, you should come to us.

    At Investors Heritage we understand your desire to have the very best solutions for your financial future. So, we’re committed to providing products you can count on to perform. Whether you're looking for guaranteed growth, protection from market downturns with growth potential or a lifetime income, our products can be a perfect fit for your retirement plan.

Fixed Indexed Annuities


Yes, it’s possible. You can confidently protect your assets and have growth potential when planning for retirement. A Fixed Indexed Annuity (FIA) is a single premium, tax-deferred savings vehicle designed to grow your savings while also providing protection from market downturns.

“Fixed-Indexed” refers to the options available for growth. You can distribute funds among the different account types: the Fixed Account which uses a set interest rate and the Indexed Accounts which credit interest based on a portion of the upward movement of several market indexes.

And unlike a direct market investment, an FIA provides guarantees. You are guaranteed to never lose funds due to negative market performance. If an index has negative performance, your account will receive zero interest rather than a deduction. Additional guarantees are provided based on the type of annuity purchased. Learn more about our Heritage Growth Advantage and Heritage Income Advantage below.

  • Fixed Indexed Annuity

    Heritage Growth Advantage

    Our HGA series of products is designed to protect your funds and maximize your accumulation potential with additional security provided by rates guaranteed during your Surrender Charge period.

  • Embracing couple sitting on bed in room in boutique hotel

    Fixed Indexed Annuity

    Heritage Income Advantage

    Heritage Income Advantage is designed to protect your funds and grow your savings and has an option to provide a guaranteed lifetime income stream with the ability to double your income for five years under certain qualifying conditions.

Multi-Year Guaranteed Annuities

What you need to know

People approaching or in retirement often have a common dilemma, which is how to keep their cash safe, readily liquid, and earning interest. A MYGA is designed to be part of your retirement plan purchased with funds you do not plan to need for daily living for the next several years.

  • Multi-Year Guaranteed Annuity

    Heritage Builder Annuity

    If stability and flexibility suit you, then our Heritage Builder MYGA is a perfect fit. It is designed to grow your funds with a guaranteed interest rate over a fixed period. The Heritage Builder is available for 3-year, 5-year and 7-year terms.

  • Financial Info

    Financially Strong and Growing

    For over 60 years, 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 and give you peace of mind knowing that your future needs are met.

  • Get in Touch

    Use our contact form or call 800.422.2011 and talk to one of our friendly, helpful associates from 8:00 am–4:30 pm EST, Monday through Friday.

  • What they say about what we do

    • “We found both the client support and technology from Investors Heritage to be top-notch. Garth has always been extremely accessible to answer bespoke questions and it’s been very seamless to process business with them. The team at Blueprint Income is looking forward to continuing to grow the relationship we’ve built with Investors Heritage.”

      Matt Carey of New York, NY. A member since 2020.

      Matt Carey | New York, NY

      Blueprint Income

      IH Family Member since 2020

    • “Being efficient the first time around means a lot…I have people that need me immediately…It really spoke volumes the way I was treated and have been treated. It makes me want to do more business with Investors Heritage.”

      Andrew Westmoreland of McDonough, GA. A member since 2018.

      Andrew Westmoreland | McDonough, GA

      Piedmont Capital Brokerage

      IH Family Member since 2018

    • “A lot of times when you call [other insurance companies] you get this impression when they answer the phone that you’ve messed up their day. But at Investors Heritage, they ask what they can do to help you.”

      David Parish of Fort Wayne, IN. A member since 2018.

      David Parish | Fort Wayne, IN

      Lincoln Financial Advisors

      IH Family Member since 2018

    • Great products and great people equals a great company!

      Todd Rabalais of Dallas, TX. A member since 2021.

      Todd Rabalais | Dallas, TX

      Innovative Estate Management

      IH Family Member since 2021

    • “Reality is, most companies are not that receptive or that responsive. It seems at some points that they don’t even care…It’s just a great experience working with Investors Heritage. The professionalism they provide to us, which we are in turn able to provide to our clients.”

      Jeramie Shamp of Fort Wayne, IN. A member since 2018.

      Jeramie Shamp | Fort Wayne, IN

      Lincoln Financial Advisors

      IH Family Member since 2018

    • “The application process is very easy to go through with clients and the follow up [from Investors Heritage] was fantastic as well. The portal is very easy to go on to and see where things are.”

      Mark Bresnahan of Fort Wayne, IN. A member since 2018.

      Mark Bresnahan | Fort Wayne, IN

      Lincoln Financial Advisors

      IH Family Member since 2018

Insurance products issued by Investors Heritage Life Insurance Company (Investors Heritage), 200 Capital Avenue, Frankfort, Kentucky. Product features and availability vary by state. Investors Heritage is not an investment advisor and is not registered as such with the SEC or any state securities regulatory authorities. Investors Heritage is not acting in any fiduciary capacity.
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. A fixed indexed annuity is not a registered security or stock market investment and does not participate directly in any stock or equity investments or index. Investors Heritage does not provide tax, legal or accounting advice. Please consult a qualified advisor for such advice.