A.M. Best A rated · 12 products
American National Life Insurance Company Annuities — A Rated
American National Life Insurance Company is an A.M. Best A-rated annuity carrier. The current lineup includes 12 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A
A.M. Best
Annuity products
12
12 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 7 FIA product pages, 5 MYGA product pages
- FIA families
- Strategy Indexed Plus, ASIA Plus, Rate Certainty, Smart Start Accumulator
- MYGA families
- Palladium MYG, Palladium Match, MYG Max, WealthQuest Citadel
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About American National Life Insurance Company
American National Insurance Company (ANICO), established in 1905, is a prominent insurance corporation headquartered in Galveston, Texas. Operating across all 50 U.S. states and Puerto Rico, ANICO offers a comprehensive range of insurance products, including life insurance, annuities, health insurance, property and casualty insurance, credit insurance, and pension plan services.
ANICO operates through multiple subsidiaries, including American National Life Insurance Company of Texas, American National Life Insurance Company of New York, and American National Property and Casualty Company, among others. These subsidiaries enable the company to offer a diverse portfolio of products tailored to meet the varying needs of its clients.
Financial Strength In Plain English
American National typically receives credit ratings in the 'A' range from major rating agencies, underscoring its strong financial resilience and stability. These ratings reflect the company’s robust capitalization, consistent profitability, and effective risk management practices. American National offers a diverse range of insurance products, including life insurance, annuities, health insurance, property and casualty insurance, which helps diversify its revenue streams and reduce risk. The outlook for American National is generally stable, indicating that the company is expected to maintain its financial health and meet its insurance obligations reliably in the foreseeable future.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Strategy Indexed Plus 7
A seven-year-surrender fixed indexed annuity from a tri-agency-rated American National with a real optional GLWB rider in two flavors, a day-one premium bonus that lifts the income base, and a mixed cap-and-participation index menu underneath.
Open product pagePalladium MYG
A multi-year guaranteed annuity from American National at an A.M. Best A rating, offering flat declared rates at 3, 5, 7, and 10-year terms with an annual free-withdrawal allowance and a 9-year surrender ladder.
Open product pageStrategy Indexed Plus 10
An income-led, long-surrender fixed indexed annuity from a multi-agency-rated carrier whose central feature is a choice of two optional GLWB lifetime-income riders, with a broad crediting menu (S&P 500 cap and participation, Nasdaq-100 cap, plus proprietary participation strategies) backing the account value.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
Strategy Indexed Plus
7 and 10
The numbers mark different surrender-term products, so the product pages stay separate.
ASIA Plus
NY-only product page
It is not cross-linked as a simple NY version of Strategy Indexed Plus because the strategy menu differs.
Smart Start Accumulator
Base, Plus, Plus with Fee
The plus versions are product variants, not state-specific page pairs.
MYGA Products
Palladium
MYG, Match, MYG Max
These are separate product pages in the same fixed-rate family.
WealthQuest Citadel
5 Diamond and 7 Diamond
Term differences stay on separate pages so the current rate and surrender rows remain readable.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A000ES
Strategy Indexed Plus 7
- Coverage
- ARHQ product page
- Current rate
- Available
A000EW
Strategy Indexed Plus 10
- Coverage
- ARHQ product page
- Current rate
- Available
A000KB
ASIA Plus
- Coverage
- ARHQ product page
- Current rate
- Available
A0024B
Rate Certainty Annuity
- Coverage
- ARHQ product page
- Current rate
- Available
A002QM
Smart Start Accumulator
- Coverage
- ARHQ product page
- Current rate
- Available
A002QX
Smart Start Accumulator Plus
- Coverage
- ARHQ product page
- Current rate
- Available
A002ZN
Smart Start Accumulator Plus With Fee
- Coverage
- ARHQ product page
- Current rate
- Available
A00148
Palladium MYG
- Coverage
- ARHQ product page
- Current rate
- Available
A0014B
WealthQuest Citadel 5 Diamond
- Coverage
- ARHQ product page
- Current rate
- Available
A0014K
WealthQuest Citadel 7 Diamond
- Coverage
- ARHQ product page
- Current rate
- Available
A001VQ
Palladium Match MYG
- Coverage
- ARHQ product page
- Current rate
- Available
A002QJ
Palladium MYG Max
- Coverage
- ARHQ product page
- Current rate
- Available
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
American National and ANICO labels refer to the same carrier profile on ARHQ.
ASIA Plus and Strategy Indexed Plus are not merged even though the state footprints are complementary; their product structures differ.
Smart Start plus versions are product variants, so compare the bonus and fee fields on the product pages.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
American National Life Insurance Company Product Families
Product-list pages carry the full tables, filters, and detail links.
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