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About Us
Business done right then. Business done right now.
Investors Heritage was founded in 1960 by former Kentucky Lieutenant Governor, Harry Lee Waterfield, and built on a core set of principles. Look someone in the eye when you’re talking to them, treat everyone with respect, invest in the future, and your word is your bond — to name a few. These aren’t just good rules for business, they’re good rules for life.
This means you can expect a financially sound business partner that keeps its commitments. You can expect friendly, knowledgeable customer service representatives that are empowered to solve problems. Finally, you can expect a responsive company — rich with technology — to ensure smooth and productive interactions every time.
The best way to predict our future is to visit our past.
1960 – Investors Heritage was founded by former Kentucky Lieutenant Governor, Harry Lee Waterfield to provide secure life and annuity products.
1961 – Our first policy was issued and remained in-force until February 19, 2016.
1964 – Relocated from our original headquarters in Lexington, KY to Frankfort, KY.
1974 – Entered final expense market with the launch of a product sold through independent funeral homes.
1976 – Assumed business from Northwest Security Life which expanded the company’s footprint in the funeral home insurance space.
1984 – Introduced a Universal Life Product and began our first group life program.
1988 – Following the passing of founder, Harry Lee Waterfield, his son Harry Lee Waterfield II was elected as Chairman and CEO.
1989 – Developed a preneed product to accommodate the changing needs of funeral homes which expanded sales in this line of business.
2000 – Grew the company’s holdings through the assumption of Franklin American Life 2002 Insurance Company and the acquisition of Regal Life Insurance Company.
2004 – Began providing Third Party Administrative services for other life insurance companies.
2010 – Assumed business from Texas Memorial Life Insurance Company and Memorial Services 2011 Life Insurance Company.
2011 – Entered the retirement and savings space with the introduction of two wealth transfer products: Heritage Solution and Heritage Provider.
2018 – Aquarian Holdings acquired Investors Heritage, took the company private and committed to grow the company through additional capital and market expansion.
2018 – Diversified product offerings with the launch of Heritage Builder Multi-Year Guaranteed Annuity and distribution through independent marketing organizations and financial advisors.
2019 – Following the passing of Harry Lee Waterfield II, his nephew Robert M. Hardy, Jr. was named CEO.
2019 – Ranked the fastest growing U.S. life insurer with a Life & Annuity focus in 2018 by S&P Global.
2020 – Named to Inc. 5000 as one of the fastest growing, privately held US companies.
2020 – Ranked in top-ten fastest growing U.S. life insurers with a Life and Annuity focus for the second year in a row by S&P Global. Provided third party administration services for two other life companies on the same S&P Global list.
2020 – Launch of Canopy Preneed, a new suite of preneed products that provide some of the best premium rates and growth benefits in the industry.
2021 – Expanded our Annuity products with the launch of Heritage Income Advantage Fixed Indexed Annuity.
2022 – Added the Heritage Growth Advantage Fixed Index Annuity to our stable of Annuity products.
2022 –Once again a member of the Inc. 5000 as one of the fastest growing, privately held US companies.
2022 –Topped the S&P Global list of fastest growing U.S. life insurers with a Life and Annuity focus
2023 – Expanded our product lineup with the Heritage Growth Advantage+.
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Our Service Culture
From the beginning, Investors Heritage has made service the top priority. We pride ourselves on being personable and attentive to the needs of our agents and policyholders alike. We empower our people to be problem solvers and customer advocates, and we have built our brand on that attitude along with our industry-leading technology platform and products. We are proud to say that we support over 15,000 agents and service over 300,000 policies across our platform.
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Our Future
In 2020, we were named to Inc. Magazine’s 2020 Inc. 5000 list, which ranks the nation’s fastest-growing private companies. With three-year growth of 371%, Investors Heritage ranked as the second fastest-growing private life insurer nationwide, the sixth fastest-growing private company in Kentucky, and the fourth oldest company to make the list. We have partnered with the Commonwealth of Kentucky to help support our growth right here in Kentucky as we continue to invest and build. As we continue to invest and grow, we will never stray from our roots. In fact, we will continue to strengthen them.
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Join the Investors Heritage Family.
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