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fixed annuities

Traditional Fixed Annuity Details

Product Name

Eagle 8

Annuity Type

Traditional Fixed Annuity

Issuing Insurance Company and Ratings

(4th of 15 ratings)
Not Rated
Not Rated
Not Rated
(percentile of rated companies)

Product Information

The Eagle 8 is a deferred traditional fixed annuity issued by United Heritage Life Insurance Company.

The current first year yield is 6.00% and the 10 year term current annual yield is 3.25%, including bonuses if applicable (see Rate Details below). This assumes that the current base interest rate remains unchanged up to the first penalty free full withdrawal window, which is not guaranteed. The Eagle 8 has a full penalty free withdrawal window after 10 years.

During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis. In the first contract year, this annuity provides interest only withdrawals. Beginning in the second contract year, up to 10% (noncumulative) of the contract value may be withdrawn from the annuity each contract year without penalty.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

United Heritage Life Insurance Company is rated “A-” by A.M. Best, was founded in 1934, and has over $704 million in total assets.

Rate Details

Premium Amount: $8,000 - $1,000,000

First Year Yield: 6.00%
10Year Term Current Annual Yield: 3.25%
10Year Term Guaranteed Annual Yield: 3.25%
Interest rate start of year 1 through end of year 1: 6.00%
Current Base Interest Rate: 2.95%
Guaranteed Minimum Interest Rate: 2.95%

Initial Surrender Charge and MVA Periods

10 years


10 years

State variations may exist, refer to product disclosure for details.

Policy Details

Penalty Free Withdrawal Provisions

Annuitization, Convalescent Care, Death, Hospitalization and Nursing Home

See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  AL, DE, DC, FL, KY, ME, MD, MA, MS, NJ, NY, RI, TN, VT and WV (as of 02/15/2023)

For CA: No Convalescent Care/Hospitalization/Nursing Home Waiver.


For Issue Ages 60-90: Early Surrender Charges only last for 9 years.