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A member of LifeMark Partners
* Interest rates are subject to change without notice in the current environment – call 800.496.3572 to confirm rates!
Guaranteed Rate Annuities
Company American National
Product Palladium 9 MYG
AM Best Rating A
Guarantee Period 9 Year(s)
Premium Bands $100k+ $5k+     
1st Year Rate 4.50% 4.40%     
Rate Year 2 - end of guarantee period 2.50% 2.40%     
Average Yield to end of Surrender Period 2.72% 2.62%     
1st Year Bonus 2.00% 2.00%     
Interest Rate Notes
Rate Lock 60 Days from Date of Application
Maximum Premium $1,000,000 without prior home office approval
Minimum Premium $5,000
Premium Type Single
Minimum Additions N/A
TSA Loan Provision N/A
Minimum Contractual Interest Rates Minimum rates vary by state.
Maximum Issue Age 0-85
Surrender Charges as a percentage of Account Value by Year 9 Years  8,8,8,7,6,5,4,3,2% W 1,0%
Surrender Charge Notes Disability Waiver: If the contract owner is physically disabled and eligible for disability benefits under Social Security, but is not receiving Social Sercurity Disability benefits at the time the annuity is issued and is less than age 65.
MVA Yes
Window Yes
Free Withdrawals Up to 10% of beginning year annuity value, after the first policy year.
Surrender Charge at Death
Nursing Home Surrender Charge Waiver Yes: If the contract owner is confined for more than 60 consecutive days to a state licensed health care facility or hospital. The contract owner must be age 80 or younger (and not confined) on the date of issue.
Terminal Illness Surrender Charge Waiver No
Unemployment Surrender Charge Waiver No
Annuitization Waiver
Action at end of Term 30-day window after the end of initial guarantee period to continue a portfolio renewal rate declared each year on policy anniversary.
Comments Offers a 10-day Free Look Period
Commission Schedule
3.00%
1.00%

00-79
80-85

Commission Notes
Product Availability by State Not Available in NY OR PA UT
New Business Forms Click Here
Contracting Forms Click Here
Client Sales Literature Palladium 9 MYG Client Sales Literature
Agent Sales Literature
Palladium 9 MYG Agent Sales Literature
VitalSigns - Company Financials Click Here    
Company News Announcements
ANICO is dropping rates 15-100bps.
American National is discontinuing the 3 and 4 yr Palladium MYG annuities. Eff 9-1-10.
Request an Illustration Click Here
Print this Chart Click Here  
 

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