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Fixed Indexed Annuity

Rate Certainty Annuity (5-year)

American National Life Insurance Company

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10%

Free W/D

51

Available jurisdictions

Product data status: July 17, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Rate Certainty Annuity (5-year) would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$449,950
Est. value at age 80 (Rate Certainty Annuity (5-year))
10%/yr
Free withdrawal allowance
S&P 500 Dynamic Intraday TCA Index (USD) ER — 9.25% Trigger (Enhanced Performance Trigger · Annual)
✦
How crediting works: the trigger credits 9.25% when the index year is flat or positive; a down year credits 0%, never a loss. A trigger strategy uses the index as a yes/no test for that declared credit. What is a cap vs participation? →
Assumptions: illustrative — applies Rate Certainty Annuity (5-year)'s published trigger rate (9.25% on S&P 500 Dynamic Intraday TCA Index (USD) ER) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how Rate Certainty Annuity (5-year) compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for Rate Certainty Annuity (5-year)

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this American National Life Insurance Company product.

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

Highest declared trigger rate

9.25% trigger rate on S&P 500 Dynamic Intraday TCA Index (USD) ER

A choose-your-term (5-, 7-, 10-, or 20-year) fixed indexed annuity from an A-rated carrier, built entirely on performance-trigger crediting against the carrier's proprietary S&P 500 Dynamic Intraday TCA Index, with a fixed-account bucket and no lifetime-income rider in the design.

Performance trigger1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want to pick their own surrender commitment length, prefer trigger crediting (a fixed credit on any flat-to-positive index year) over cap-led upside, and are comfortable with a single proprietary index option rather than a diversified menu of recognizable benchmarks.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

3.8% declared rate

Fixed account

1-year term · 5-year surrender · Does not vary by premium

+ 3 additional crediting options (S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The buyer picks a surrender term at issue — the live feed exposes 5-, 7-, 10-, and 20-year filings of the same contract, so the surrender commitment is a chosen lever rather than a single fixed length. The product name 'Rate Certainty' reflects that the chosen term locks the surrender ladder for the full period.
  • Indexed crediting is delivered entirely through performance-trigger strategies (Performance Trigger, Enhanced Performance Trigger, Protected Performance Trigger). A trigger pays the full declared rate any year the index is flat or positive — there is no cap to compress upside and no participation haircut on positive years.
  • Every strategy on this contract is filed at one-year crediting, so the buyer is not committing to a multi-year point-to-point window between credit events — crediting decisions reset annually across the entire menu.
  • Liquidity terms are visible on this page: an annual free-withdrawal allowance, the full year-by-year surrender ladder, and four surrender-charge waivers (disability, nursing home, RMD, terminal illness) — none of these are gated behind a sales brochure.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product — the live feed shows zero income riders attached. Do not compare this contract's headline to a rider-led income FIA on lifetime payout.
  • Every indexed strategy is linked to the same single proprietary index — the carrier's S&P 500 Dynamic Intraday TCA Index (USD) ER. There is no annual point-to-point cap on the plain S&P 500 here, no Nasdaq-100 option, no Russell 2000 option — buyers expecting a diversified menu of recognizable benchmarks across multiple indexes will not find one in this contract.
  • The 'S&P 500 Dynamic Intraday TCA' is a proprietary volatility-controlled variant of the S&P 500, not the plain S&P 500 price index — its long-run shows behavior is not the same as the underlying benchmark, and historical S&P 500 charts are not a sound proxy for the index this product credits against.
  • Trigger strategies cap upside implicitly — any year the index is positive, the buyer earns the declared trigger rate regardless of how strong the index move was. In a year the index rallies sharply, a trigger credit is lower than what a participation-rate strategy on the same index would have earned. Trigger crediting trades upside-tail capture for the certainty of a fixed credit on flat-to-positive years.
  • Surrender-period choice changes the rate menu — the 5-, 7-, 10-, and 20-year filings publish their own trigger rates and fixed-account rates, so a rate quoted on one filing does not apply to another. Confirm the term the buyer is purchasing before quoting any number from this page.

Not ideal for

Buyers who want a contractually guaranteed lifetime withdrawal rate from a GLWB rider, an annual point-to-point cap on the plain S&P 500 or Nasdaq-100 for like-for-like benchmark comparison, or a menu of multiple indexes — this contract delivers none of those by design.

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All crediting strategies

View rate listings (4 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Trigger: 9.25% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Enhanced Performance Trigger · trigger

5-yr surrenderDoes not vary by premium

Trigger: 7.4% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Performance Trigger · trigger

5-yr surrenderDoes not vary by premium

Trigger: 6% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Protected Performance Trigger · trigger

5-yr surrenderDoes not vary by premium

Fixed: 3.8% · 1-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Rate Certainty Annuity (5-year)

● Can I lose money in Rate Certainty Annuity (5-year)?

A negative index return by itself does not reduce the contract's account value: Rate Certainty Annuity (5-year) credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Rate Certainty Annuity (5-year)'s crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Rate Certainty Annuity (5-year) strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

4

Disability waiver, Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Declared-rate floor

2.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

2.90%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Disability waiver, Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

2025-05-23_ANICO_Rate_Certainty_Annuity_5_Brochure.pdf

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Rate Certainty Annuity (5-year) currently shows 2 distinct indexed or fixed crediting choices across 4 displayed rate entries, including Fixed Account, with 1 volatility-controlled index option grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • Fixed Account: 3.8% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 5 surrender years
  • Disability waiver
  • Nursing home waiver
  • RMD waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 2025-05-23_ANICO_Rate_Certainty_Annuity_5_Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Rate Certainty Annuity (5-year) compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.

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