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Rate Certainty 20

The American National Insurance Company, founded in 1905, is one of the leading providers of insurance products and financial services in the US. As a private company, they offer life insurance, annuities, health insurance, credit insurance, and pension plan services to individuals, families, and businesses alike. American National is committed to supplying financial stability, implementing ethical business practices, and building long-term liaisons with their clients. In 2001, they obtained Farm Family Holdings, Inc., magnifying their presence in the Northeast regions.

Rate Certainty 20

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

20 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

Qualified: $5,000
Non-Qualified: $10,000

Maximum Contribution

$3,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, Stretch IRA, Inherited IRA, NQ Stretch, and TSP

Launch Date

11/04/2024

Rate Certainty is a single premium fixed indexed annuity that offers a 7, 10 and 20-year guaranteed interest rate periods and multiple interest crediting based upon the performance of the S&P 500 Dynamic Intraday TCA Index. All strategy terms are annual point-to point and may be reallocated to different strategies at the conclusion of each term.
Rate Certainty Annuity provides a straightforward and simple solution to grow and protect funds.

Simplicity
Features a single index that is a managed version of the S&P 500® which is a widely renown measure of large-cap U.S. equities.
Upside Potential
Four simple crediting strategies provide the opportunity for potential interest growth with no chance of loss.
Certainty with Guarantees
All index rates are guaranteed at issue which alleviates the worry of a renewal rate throughout the length of the guarantee period.

Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year S&P 500 Dynamic Intraday TCA Enhanced Performance Triggered	Enhanced Performance Trigger Annual	9.7% Performance triggered
1-Year S&P 500 Dynamic Intraday TCA Protected Performance Triggered	Protected Performance Trigger Annual	2% Fixed 5.7% Performance triggered
20-Year Fixed Account	Fixed	3.7% Fixed
1-Year S&P 500 Dynamic Intraday TCA Performance Triggered	Performance Triggered Annual	8.2% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20
Penalty	9%	8%	7%	6%	5%	5%	5%	5%	5%	5%	5%	5%	5%	5%	5%	5%	4%	2%	2%	1%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

No Riders for Rate Certainty 20 annuity.

Waivers

Terminal Illness

Surrender charges and MVA may be waived if the contract owner is diagnosed with an injury or illness expected to result in death within 12 months. Available after issue.

Disability

Prior to age 65, surrender charges and MVA may be waived if the contract owner is physically disabled, or diagnosed with a disabling terminal illness. Available after issue.

Confinement

Surrender charges and MVA may be waived if the contract owner is confined to a licensed hospital, licensed convalescent care facility, skilled nursing facility, custodial care facility, or licensed hospice facility for 30 or more days. Available 90 days after issue.

Premium Notes

Initial Minimum Premium

Q $5,000
NQ $10,000

Maximum Premium

$3,000,000

Withdrawal Provisions

Free Withdrawal Privilege After the contract is issued, up to 10% of the annuity value can be withdrawn at the beginning of the contract year, or the minimum required distribution, if greater, during each contract year without any surrender charges. Market Value Adjustments (MVA) If you withdraw any amount during the surrender charge period in excess of the allotted surrender charge free withdrawal amount, additional adjustments may be applied that could increase or decrease the total withdrawal amount. Values are determined by comparing market interest rates on the contract’s issue date to its surrender date. Not applicable in all states.

Company Founded: 1905

Excellent Rated Company

American National Insurance Company

Company Ratings

4.1