Brokers Alliance, Inc.
16872 E. Avenue of the Fountains, Suite 204
Fountain Hills, AZ 85268

Brokers Alliance MYGA Annuity Products

(800) 290-7226
Plan For Life - Retirement Software
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State
 Premium
 Qual
 Rating
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 Rate Gtd
 Age
 Comm
%

Showing 1-20 of 246    Display: Print/Save |<  <<   Page 1 of 13   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 10 Years

North American Company

NA Guarantee Choice 10

High-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:200,000
Monthly:200,000
Qualified
Single:200,000
Monthly:200,000
No- Disability  Yes-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  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 DE MN MO NY OR PR TX UT VA VI WA 		0-80: 2.50
81-85: 1.88
86-90: 1.25
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 10 10 10 10 9 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.6 2.00 3.60 3.60

North American Company

NA Guarantee Choice 10

Low-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-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  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 DE MN MO NY OR PR TX UT VA VI WA 		0-80: 2.50
81-85: 1.88
86-90: 1.25
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 10 10 10 10 9 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.4 2.00 3.40 3.40

EquiTrust Life Insurance Company

Certainty 10
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:30,000
Monthly:30,000
Qualified
Single:30,000
Monthly:30,000
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  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

IN MN 		0-80: 3.00+
81-90: 2.25+
Withdrawal Notes: No Premium Bonus
For states IN, MN (10 years): 9 8.5 8 7.5 7 6.5 6 5.5 5 4.5
For states CT (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5
Rate Changed: 09/02/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.25 2.00 3.25 3.25

EquiTrust Life Insurance Company

Certainty Select 10
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:30,000
Monthly:30,000
Qualified
Single:30,000
Monthly:30,000
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 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

IN MN NY OR PR UT VI WA 		0-80: 3.00+
81-90: 2.25+
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 9 9 8 8 7 7 6 5
For states AK, TX (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5
Rate Changed: 09/02/10
Guaranteed Minimum Value: 87.5% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.25 2.00 3.25 3.25

Allianz Life

Dominator Plus 10

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
Yes-Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
Yes-Death Benefit Rider  No- 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 OR PR VI 		0-75: 4.00
76-80: 3.00
81-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9
Rate Changed: 08/03/10
Guaranteed Minimum Value: 90% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.15 3.00 3.15 3.15

American National Insurance Company

Palladium MYG Annuity 8

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
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:

NY PR UT VI 		0-79: 2.50
80-85: 0.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 90% of Premium at 1.50-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-8 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
8 Year MYGA 8 Years none 3.1 1.50-3.00 3.10 3.10

OM Financial Life Insurance Company

OM Guarantee-Platinum 5
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-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  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:

MN NY OR PR VI WA 		0-79: 2.50
80-90: 1.25
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 3.1 1.00 3.10 3.10

OM Financial Life Insurance Company

OM Guarantee-Platinum 5

High-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:2,000
Monthly:2,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-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  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:

MN NY OR PR VI WA 		0-79: 2.50
80-90: 1.25
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 3.1 1.00 3.10 3.10

Allianz Life

Dominator Plus 10

Mid-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
Yes-Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
Yes-Death Benefit Rider  No- 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 OR PR VI 		0-75: 4.00
76-80: 3.00
81-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9
Rate Changed: 08/03/10
Guaranteed Minimum Value: 90% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.05 3.00 3.05 3.05

American National Insurance Company

Palladium MYG Annuity 8

Low-Band
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 
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:

NY PR UT VI 		0-79: 2.50
80-85: 0.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 90% of Premium at 1.50-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-8 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
8 Year MYGA 8 Years none 3 1.50-3.00 3.00 3.00

American National Insurance Company

Palladium MYG Annuity 10

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
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:

NY PR UT VI 		0-79: 4.00
80-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 90% of Premium at 1.50-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.8 2.80 2.90 2.90

American National Insurance Company

Palladium MYG Annuity 6

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
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:

NY PR UT VI 		0-79: 2.50
80-85: 0.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 90% of Premium at 1.50-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-6 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
6 Year MYGA 6 Years none 2.85 1.50-3.00 2.85 2.85

ING USA Annuity and Life

Guaranteed Choice 10

High-Band
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
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  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.75 2.75 2.85 2.85

American National Insurance Company

Palladium MYG Annuity 10

Low-Band
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 
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:

NY PR UT VI 		0-79: 4.00
80-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 90% of Premium at 1.50-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.7 2.70 2.80 2.80

Lincoln Financial Group

Lincoln MYGuaranteesm Plus 10

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
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  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

IL MN MO NY VI 		0-75: 2.50
76-80: 1.60
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 7 6 5 4 3 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 1.70% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.8 1.70 2.80 2.80

Lincoln Life & Annuity of New York

Lincoln MYGuaranteesm Plus 10

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
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  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

NY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 1.70% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.8 1.70 2.80 2.80

American National Insurance Company

Palladium MYG Annuity 6

Low-Band
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 
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:

NY PR UT VI 		0-79: 2.50
80-85: 0.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 90% of Premium at 1.50-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-6 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
6 Year MYGA 6 Years none 2.75 1.50-3.00 2.75 2.75

ING USA Annuity and Life

Guaranteed Choice 10

Low-Band
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
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  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.75 1.50 2.75 2.75

West Coast Life

Sure Advantage 10

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
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  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:

DE MN NY PR VI VT 		0-75: 2.50
76-85: 1.00
Withdrawal Notes: Premium Bonus: 1.00
Withdrawal Charges 10 years:
8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0
Rate Changed: 08/31/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.65 1.50 2.75 2.75

American National Insurance Company

Palladium MYG Annuity 9

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
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:

NY PR UT VI 		0-79: 3.00
80-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 90% of Premium at 1.50-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 9 		Yield to SurrenderTM
Current Guarant'd
9 Year MYGA with Bonus 9 Years 2% 4.5 2.50 2.72 2.72
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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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