American National fixed annuity rates

American National, founded in 1905 and headquartered in Texas, issues 3 fixed annuities in 3 to 10-year terms.

5.72% Top APY

A AM Best

1905 Founded

Available products

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Showing nationally available rates. Filings vary by state — pick yours above to see exactly what you can buy.

Product	3-yr	5-yr	6-yr	7-yr	8-yr	9-yr	10-yr	Min
Palladium MYG MAX	5.40%	5.45%	5.72%	5.55%	—	—	5.45%	$5k	↓
Surrender schedule 3-yr 8% / 8% / 7.4% 5-yr 8% / 8% / 7.4% / 6.5% / 5.6% 6-yr 8% / 8% / 7.4% / 6.5% / 5.6% / 4.7% 7-yr 8% / 8% / 7.4% / 6.5% / 5.6% / 4.7% / 3.7% 10-yr 8% / 8% / 7.4% / 6.5% / 5.6% / 4.7% / 3.7% / 2.8% / 1.9% / 0.9% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features Terminal Illness Waiver · Nursing Home Waiver · Disability Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Palladium MYG	5.25%	5.35%	5.57%	5.45%	5.30%	5.30%	5.30%	$5k	↓
Surrender schedule 3-yr 8% / 8% / 8% 5-yr 8% / 8% / 8% / 7% / 6% 6-yr 8% / 8% / 8% / 7% / 6% / 5% 7-yr 8% / 8% / 8% / 7% / 6% / 5% / 4% 8-yr 8% / 8% / 8% / 7% / 6% / 5% / 4% / 3% 9-yr 8% / 8% / 8% / 7% / 6% / 5% / 4% / 3% / 2% 10-yr 8% / 8% / 8% / 7% / 6% / 5% / 4% / 3% / 2% / 1% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Nursing Home Waiver · Disability Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Palladium Match MYG	5.20%	5.30%	—	5.40%	—	—	—	$5k	↓
Surrender schedule 3-yr 8% / 8% / 8% 5-yr 8% / 8% / 8% / 7% / 6% 7-yr 8% / 8% / 8% / 7% / 6% / 5% / 4% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Nursing Home Waiver · Disability Waiver · Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment

About American National

Founded: 1905 Texas
AM Best rating: A What this means
Comdex score: 78 / 100 Composite of AM Best, S&P, Moody's, Fitch.
Phone: 888-501-4043
Website: americannational.com
Carrier brochure: ↓ Download (PDF)
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

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American National fixed annuity rates

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