American National Insurance Company
4.4
based on complex data
Annuity Educator Rating
Annuity review

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-brochure Rate Certainty 20-brochure

Rate Certainty 20

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About Product

Type
Fixed Index
Purpose
Accumulation
Term
20 Years
Surrender schedule
9%
8%
7%
6%
5%
5%
5%
5%
5%
5%
5%
5%
5%
5%
5%
5%
4%
2%
2%
1%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
Qualified: $5,000
Non-Qualified: $10,000
Maximum Contribution
$3,000,000
Max Age Qualified
50
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, CA, 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
indexed chart
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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
  • A.M. Best A
  • Fitch A
  • S&P A
  • Comdex 75
Assets: $27,768,358,890
Texas

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