Fixed Annuity Detail Sheet
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age
 Comm
%

Showing 1-20 of 36    Display: Print/Save |<  <<   Page 1 of 2   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 10 Years

RBC Insurance

Value Master SPDA
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK HI MN NJ NY PR VI 		0-75: 8.50
76-80: 6.50
81-85: 5.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 4.2 3.00 4.20 3.12

American National Insurance Company

Palladium Ultra 7
Non-Qualified
Owner:99
Annuitant:70
Qualified
Owner:99
Annuitant:70
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  Yes-Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

AL CT IL MA MN OR PA UT WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 11 10 9 8 6 4 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 10 2.00 3.68 2.77

American National Insurance Company

Palladium Ultra 5
Non-Qualified
Owner:99
Annuitant:75
Qualified
Owner:99
Annuitant:75
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  Yes-Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

AL CT IL MA MN OR PA UT WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 6 4 3 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 8 2.00 3.49 2.58

American National Insurance Company

Palladium Plus 3
Non-Qualified
Owner:99
Annuitant:80
Qualified
Owner:99
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  Yes-Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

AL CT IL MA MN OR PA UT WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
11 10 9 8 7 6 5 4 3 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 6 2.00 3.30 2.39

American National Insurance Company

Palladium Plus 1
Non-Qualified
Owner:99
Annuitant:85
Qualified
Owner:99
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  Yes-Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

AL CT IL MA MN OR PA UT WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 4 2.00 3.10 2.20

Aviva Life & Annuity

Freedom Xtra (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  Yes-Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CT DE MN NY OR PA PR UT WA 		0-75: 7.00
76-78: 5.00
Withdrawal Notes: Premium Bonus: 8.00
Withdrawal Charges 10 years:
12 12 12 11 10 9 8 7 6 5
Rate Changed: 03/05/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.3 2.00 3.09 2.82

American General Life Insurance Company

AG HorizonMYG
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
Yes-Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK MN NJ NY PR UT VI 		0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 02/08/10
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 4% 6.65 2.65 3.04 2.78

Aviva Life & Annuity

Freedom Plus (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  Yes-Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CT DE MN NY OR PA PR WA 		0-75: 7.50
76-78: 5.50
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years:
16 15 14 13 12 11 10 8 6 4
Rate Changed: 03/05/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.35 2.00 2.85 2.53

Aviva Life & Annuity

Freedom Xtra (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  Yes-Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CT DE MN NY OR PA PR UT WA 		0-75: 7.00
76-78: 5.00
Withdrawal Notes: Premium Bonus: 8.00
Withdrawal Charges 10 years:
12 12 12 11 10 9 8 7 6 5
Rate Changed: 03/05/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

American National Insurance Company

Palladium Century 7
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 11 10 9 8 6 4 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 9 2.00 2.68 2.68

Aviva Life & Annuity

Freedom Plus (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  Yes-Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CT DE MN NY OR PA PR WA 		0-75: 7.50
76-78: 5.50
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years:
16 15 14 13 12 11 10 8 6 4
Rate Changed: 03/05/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

American National Insurance Company

Palladium Century 5
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 6 4 3 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 7 2.00 2.49 2.49

American National Insurance Company

Palladium Century 3
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
11 10 9 8 7 6 5 4 3 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 5 2.00 2.30 2.30

American National Insurance Company

Palladium Century 1
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 3 2.00 2.10 2.10
Surrender Charges Last 9 Years

American General Life Insurance Company

AG HorizonPlus
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
Yes-Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MN NJ NY OR PA PR UT VI WA 		0-75: 6.00
76-80: 3.20
81-85: 1.35
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 02/08/10
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 6% 8.6 2.60 3.25 3.05

Presidential Life

No Load Flex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:120
Monthly:120
Qualified
Single:120
Monthly:120
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

IL NH NJ OR PR VI WA 		0-75: 3.50
76-80: 2.60
81-85: 0.75
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 02/17/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.00 3.00
Surrender Charges Last 8 Years

Liberty Bankers Life

Liberty Select
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DC HI MA ME MN MO ND NH NJ NY OR PA PR RI VI VT WY 		0-80: 5.50
81-85: 2.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 8 years:
12 11 10 8 6 4 2
Rate Changed: 11/02/09
Guaranteed Minimum Value: 100% of Premium at 2.50% Next Change : 02/15/20
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1.5% 5.25 2.50 3.94 2.84
A TRUE Flexible Premium Annuity for as little as $50/month when EFT is established!

American General Life Insurance Company

AG HorizonFlex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
Yes-Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK NY PR UT VI 		0-75: 5.00
76-80: 4.00
81-85: 3.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 8 years:
8 8 8 7 6 5 3 1
Rate Changed: 02/08/10
Guaranteed Minimum Value: 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 5.05 2.00 3.30 2.38
Surrender Charges Last 7 Years

American National Insurance Company

The Eagle Annuity
Non-Qualified
Owner:99
Annuitant:85
Qualified
Owner:99
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  Yes-Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

NJ UT
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 4 2.00 3.14 2.28

American National Insurance Company

Citadel 7 Diamond

High-Band
Non-Qualified
Owner:99
Annuitant:85
Qualified
Owner:99
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 2% 4.7 2.70 2.98 2.48
Showing 1-20 of 36    Display: Page:   1 | 2

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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