Annuity carrier
Prudential Financial
AM Best A+ · MYGA, FIA, and RILA in the current feed
Comparable MYGA rate · 5-year guaranteed rate
6.1%
CANNEX via AdvisorWorld · rates as of November 6, 2026
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carrier comparison
Prudential Financial vs American National Insurance Company
Carrier-level comparison using AM Best ratings, MYGA rates and FIA caps, product-category coverage, and sourced disclosures.
CANNEX-backed data via AdvisorWorld. Each available figure below carries its true source date.
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VS
Annuity carrier
American National Insurance Company
AM Best A · MYGA and FIA in the current feed
Comparable MYGA rate · 5-year guaranteed rate
5.65%
CANNEX via AdvisorWorld · rates as of November 6, 2026
Comparison basis
Like-for-like figures, without an overall carrier winner.
MYGA rows use the same guarantee period and a $100,000 premium. FIA rows appear only when both carriers have a qualified strategy value. State availability, issue age, MVA choice, rider selection, and distribution channel can change the actual offer.
side by side
Compare on the numbers
Only metrics with qualified values on both sides are shown. Missing values are omitted, not ranked.
| Metric | Prudential Financial | American National Insurance Company |
|---|---|---|
| AM Best ratingCarrier financial strength from the rate feed; higher rating rank is highlighted. | A+ AM BestLeading CANNEX via AdvisorWorld · rates as of November 5, 2026 | A AM Best CANNEX via AdvisorWorld · rates as of November 5, 2026 |
| Best 5-year MYGA rateHighest 5-year guaranteed rate for each carrier at the same guarantee period. | CANNEX via AdvisorWorld · rates as of November 6, 2026 | CANNEX via AdvisorWorld · rates as of November 6, 2026 |
| Best 3-year MYGA rateHighest 3-year guaranteed rate for each carrier at the same guarantee period. | CANNEX via AdvisorWorld · rates as of November 6, 2026 | CANNEX via AdvisorWorld · rates as of November 6, 2026 |
| Best 7-year MYGA rateHighest 7-year guaranteed rate for each carrier at the same guarantee period. | CANNEX via AdvisorWorld · rates as of November 6, 2026 | CANNEX via AdvisorWorld · rates as of November 6, 2026 |
| Best S&P 500 annual cap in feedAnnual point-to-point S&P 500 cap on both sides; verify state, term, premium band, and rider selection on the product page. | CANNEX via AdvisorWorld · rates as of November 5, 2026 | CANNEX via AdvisorWorld · rates as of November 5, 2026 |
lineups
Rate-bearing products from each carrier
Prudential Financial
MYGA products with a comparable rate
FIA products with a qualified rate
Rates: CANNEX via AdvisorWorld · rates as of November 5, 2026
American National Insurance Company
MYGA products with a comparable rate
FIA products with a qualified rate
Rates: CANNEX via AdvisorWorld · rates as of November 5, 2026
Common questions
Decision FAQs from the same numbers
Is Prudential Financial or American National Insurance Company rated higher by AM Best?
Prudential Financial carries an A+ (Superior) AM Best rating, while American National Insurance Company carries an A (Excellent) rating. AM Best grades address claims-paying ability, not product value or every aspect of an insurer's financial condition. The comparison feed does not include a matched outlook or review-status field, so this page does not infer one.
Does Prudential Financial or American National Insurance Company have higher MYGA rates right now?
The displayed MYGA rate advantage depends on the guarantee period under the comparison's $100,000 premium assumption. For the 5-year term, Prudential Financial displays 6.1% and American National Insurance Company displays 5.65%. For the 3-year term, Prudential Financial displays 5.55% and American National Insurance Company displays 5.75%. For the 7-year term, Prudential Financial displays 6.15% and American National Insurance Company displays 5.75%. Rates vary by state, premium band, MVA choice, issue age, and distribution channel.
Does Prudential Financial or American National Insurance Company have the higher S&P 500 cap?
For the comparable S&P 500 annual cap shown, Prudential Financial displays 12.05% and American National Insurance Company displays 11%. A cap limits credited interest above that level; a participation rate applies a percentage to index gains. Both can change and vary by state, premium band, term, and rider selection.
Which annuity categories appear for Prudential Financial and American National Insurance Company?
Prudential Financial: MYGA, FIA, and RILA in the current feed. American National Insurance Company: MYGA and FIA in the current feed. Category presence describes sourced product-family observations; it is not an overall lineup ranking.
How to read this comparison
Compare the carrier, then the contract.
A carrier comparison narrows the field; the product pages carry the surrender schedules, state availability, and rider mechanics that decide the actual fit.
Financial strength
Annuity guarantees are only as strong as the insurer behind them, so AM Best ratings appear beside the rates.
Rate context
MYGA rows use the same guarantee term on both sides. First-year or step rates never decide a cross-term comparison.
Category coverage
MYGA, FIA, and RILA presence is shown without treating raw product-row counts as a lineup winner.
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Disclosures and sources
Carrier and product figures are sourced from CANNEX via AdvisorWorld and labeled with their true source date. Rate rows appear only when both carriers have qualified values; missing values are omitted rather than estimated.
The page does not name an overall carrier winner. MYGA comparisons use the same guarantee period and a $100,000 premium; a higher first-year or step rate is not ranked against a longer guarantee term. Product categories describe the feed, not every contract each carrier issues.
Rates vary by state, premium band, guarantee term, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the carrier comparison as a starting point.
Then open each carrier profile for ratings history and the available lineup, or go back to the market-wide rate tables.
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