American National Annuities

American National offers a portfolio of competitive annuity options designed to protect client assets, deliver predictable growth, and enhance long‑term financial security. For insurance agents, these products create strong, repeatable sales opportunities with the backing of a financially stable, nationally recognized carrier.

Why Partner With American National for Annuities?

Benefits for Insurance Agents

• Competitive MYGA Rates
  American National’s Multi‑Year Guarantee Annuities (MYGAs) offer competitive fixed interest rates, up to 5.25% APY depending on contribution level and current rate schedules.
• Straightforward Products That Are Easy to Sell
  The Rate Certainty Annuity (RCA) simplifies index annuities by using a single index and only three transparent strategies, ideal for presenting clear value to clients.
• Flexible Options to Fit Client Needs
  MYGAs come in 3‑, 5‑, and 7‑year guarantee periods with low initial minimums starting at $5,000, allowing agents to service a wide client demographic.
• Digitally Enabled Sales Pipeline
  Online applications and customer self‑service portals streamline the onboarding and servicing process, reducing administrative friction for agents.
• Strong Brand Recognition & Financial Strength
  Backed by a century‑long legacy, top AM Best and S&P financial strength ratings support confidence in product guarantees and enhance your credibility when presenting to clients.

Benefits for Your Clients

• Guaranteed Growth & Protection
  MYGAs provide tax‑deferred accumulation and fixed interest guarantees that remove market uncertainty and offer predictable outcomes.
• Access & Flexibility
  Many MYGA contracts allow up to 10% annual withdrawal with no penalty, giving clients room to access funds when needed.
• Market‑Linked Opportunity with Stability
  The Rate Certainty Annuity offers market‑linked upside with guaranteed parameters for the full contract term, making it ideal for risk‑averse investors.
• Trusted Carrier
  Complemented by over 120 years of financial stability and recognition on America’s Best Insurance Companies lists.

Popular Annuity Solutions

Palladium® MYG Annuity

• Guaranteed fixed rate for 3–7 years
• Tax‑deferred growth
• Predictable returns ideal for conservative clients

Palladium® MYG MAX

• Higher interest rates for clients who don’t need immediate liquidity

Rate Certainty Annuity (RCA)

• Single‑index FIAs with three simple crediting strategies
• Parameters locked for the entire term (7, 10, or 20 years)

Agent Resources

Quick access for appointment management, product tools, forms, and e‑application systems:

• American National Agent Portal
• Product Brochures (MYGA / MYG MAX / RCA)
• Annuity Calculator Tools
• Marketing & Educational Materials