Palladium MYG
American National Life Insurance Company
Best available rate
4.3%
10-yr guarantee · 10-yr surrender schedule · $250,000+ premium
Up to 4.3% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
Rates as of August 6, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Palladium MYG
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this American National Life Insurance Company product.
Live product data
Rates as of August 6, 2026, from AdvisorWorld and CANNEX.
Lead-term guaranteed rate
4.3% guaranteed for 10 years
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.
Best fit
Buyers who want a flat, contractually guaranteed rate locked in for a chosen term from a multi-agency-rated carrier, with a known free-withdrawal allowance and a fully visible surrender schedule.
Available guarantee terms
3, 5, 6, 7, and 10 years
AM Best
A Excellent
Available surrender terms
3, 5, 6, 7, and 10 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- Published guaranteed rates at four distinct terms (3, 5, 7, and 10 years), so a buyer can match the lock-in window to a real planning horizon instead of being forced into a single carrier-preferred term.
- Backed by American National Insurance Company at an A.M. Best A rating, with concurrent Strong ratings from Fitch and Standard & Poor's — carrier financial-strength view is corroborated across three agencies rather than a single source.
- Annual free-withdrawal allowance runs alongside the surrender schedule, plus disability, nursing-home, and terminal-illness charge waivers — penalty-free liquidity rules are visible on this page, not gated behind a brochure.
- Surrender charge ladder is a declining 9-year schedule with no market-value adjustment, so the surrender cost on an early exit is a single visible number rather than a charge plus a rate-driven MVA.
What to confirm
- The carrier's posted headline rate per term is lower than the guaranteed period rate — a buyer reading marketing materials may see a different number than the rate this page surfaces. The page rate is the effective annual rate the contract credits over the guarantee period; confirm which figure the illustration is built on before signing.
- Surrender charges run a full 9 years with a meaningful first-year charge, so an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost — this is a multi-year commitment, not a short-term cash equivalent.
- Posted rates on this page assume the mid-range premium band; deposits in lower or higher bands earn a different guaranteed rate, so the headline does not apply universally — verify the rate for the actual deposit size.
- The death benefit is the cash surrender value (with surrender charges and any MVA falling away at death only per contract terms), and there is no roll-up or step-up — this contract is built for rate certainty, not legacy enhancement.
Not ideal for
Buyers who need short-window liquidity, market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — a MYGA is a fixed-rate deferred contract, not any of those things.
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Guaranteed Rates by Term
| Term | Surrender term | $5,000–$99,999Premium | $100,000–$249,999Premium | $250,000+Premium |
|---|---|---|---|---|
| 3-Year | 3-Year schedule | 3.05%Rate convention not stated | 3.15%Rate convention not stated | 3.3%Rate convention not stated |
| 5-Year | 5-Year schedule | 3.25%Rate convention not stated | 3.35%Rate convention not stated | 3.5%Rate convention not stated |
| 6-Year | 6-Year schedule | 3.65%Rate convention not stated | 3.75%Rate convention not stated | 3.9%Rate convention not stated |
| 7-Year | 7-Year schedule | 3.95%Rate convention not stated | 4.05%Rate convention not stated | 4.2%Rate convention not stated |
| 10-Year | 10-Year schedule | 4.05%Rate convention not stated | 4.15%Rate convention not stated | 4.3%Rate convention not stated |
Showing one representative CANNEX rate set with the broadest available term range. State- or rider-specific versions require a personalized quote before purchase.
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Disability waiver, Nursing home waiver, Terminal illness waiver
Death benefit
Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single lifeContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Carrier Ratings
Free Comparison Report
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See how Palladium MYG compares for your age, state, premium, and income goals alongside other American National Life Insurance Company MYGA options.