| Secure Rate 10 | Current Rate | | 5.80% | | Rate Guaranteed for 10 Years | Minimum: $5,000 | After the initial 10 year period, he interest rate is based on current market conditions, but will never be less than 3.00%. Surrender charges are renewed for subsequent renewal periods. | Heartland National Life Insurance Company | Form #ICC21 HNL-CON |
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