MYGA Detail Sheet

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

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Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR

Company - Any - Allianz Life Allianz Life of NY Amer. Equity Investment Life Ins. Co. American National Ins. Co. Forethought Financial Guaranty Income Life Liberty Bankers Life National Western Life OM Financial Life Ins. Co. OM Financial Life Ins. Co. (NY) Presidential Life RBC Insurance Sun Life Financial Sun Life Ins. and Annuity of New York

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 10 Years
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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	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 3.5 1.50-2.00 3.50 3.50
OM Financial Life Insurance Company OM Guarantee-Platinum 5	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: 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: 06/23/10
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : 08/01/10
	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 3.5 1.00 3.50 3.50
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: 06/23/10
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : 08/01/10
	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 3.5 1.00 3.50 3.50
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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	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% 4.35 3.35 3.45 3.45
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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	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 3.4 1.50-2.00 3.40 3.40
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: 07/06/10
	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 3.35 3.00 3.35 3.35
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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	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% 4.25 3.25 3.35 3.35
American National Insurance Company Palladium MYG Annuity 7 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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 4.15 3.15 3.29 3.29
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: 07/06/10
	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 3.25 3.00 3.25 3.25
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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	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% 5 3.00 3.22 3.22
American National Insurance Company Palladium MYG Annuity 7 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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 4.05 3.05 3.19 3.19
American National Insurance Company Palladium MYG Annuity 9 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: 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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	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% 4.9 2.90 3.12 3.12
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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	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 3.05 1.50-2.00 3.05 3.05
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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	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 2.95 1.50-2.00 2.95 2.95
American National Insurance Company Palladium MYG Annuity 5 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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year MYGA with Bonus 5 Years 1% 3.3 2.30 2.50 2.50
American National Insurance Company Palladium MYG Annuity 5 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: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year MYGA with Bonus 5 Years 1% 3.2 2.20 2.40 2.40
Allianz Life Dominator Plus 5 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: 3.00 76-80: 2.00 81-85: 1.00
	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: 07/06/10
	Guaranteed Minimum Value:		90% of Premium at 3.00%	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 2.3 3.00 2.30 2.30
Allianz Life Dominator Plus 5 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: 3.00 76-80: 2.00 81-85: 1.00
	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: 07/06/10
	Guaranteed Minimum Value:		90% of Premium at 3.00%	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 2.2 3.00 2.20 2.20
American National Insurance Company Palladium MYG Annuity 3 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: 1.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8	Rate Changed: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-3 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 3 Year MYGA 3 Years none 2.1 1.50-2.00 2.10 2.10
American National Insurance Company Palladium MYG Annuity 4 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: 2.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2	Rate Changed: 07/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-4 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 4 Year MYGA 4 Years none 2.1 1.50-2.00 2.10 2.10

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