NEW - Try our beta Annuity Rates Simulator

Can You Buy an Annuity with Cryptocurrency? 

What Are Digital Annuities?

Annuities for Beginners: What to Ask Your Financial Advisor

Annuitization in Annuities: Turning Your Savings into Lifetime Retirement Income

Annuities vs. Bonds

Common Annuity Pitfalls to Avoid

Annuity Companies to Avoid

Annuity Due vs. Ordinary Annuity

What Happens to an Annuity When You Die? 

Integrating Technology into Retirement Life for Efficiency and Comfort

States That Charge Premium Taxes on Annuities: What Retirees Should Know

How SECURE Act 2.0 Lets Your Annuity Income Help Satisfy RMDs

The American Dream: What It Really Costs and How Retirees Can Plan for It

Federal Debt and Your Retirement: Where Annuities May Fit

The “Retirement Smile”: How Spending Changes in Retirement and Where Annuities Can Fit

Fixed Indexed Annuity Application Process Explained: Step-by-Step Guide for U.S. Annuitants

Understanding Why Fixed Indexed Annuities Have Different Withdrawal-Charge Versions

Integrating Annuities into a Roth Conversion Strategy for FIRE

The Tax Play: How Certain Annuities Can Smooth Out FIRE Income

Why Many FIRE Advocates Avoid Annuities (and When They Should Consider)

Best Fixed Annuity Rates in 2026

Fixed Indexed Annuities: A Guide to Reliable Retirement Income and Best Fixed Indexed Annuity Rates in 2026

Best Immediate and Deferred Annuities Rates 2026

Best Variable Annuities and Rates – A 2026 Guide for Potential Investors

How to Get the Best Annuity Rates in 2026: A Comprehensive Guide

Guaranteed vs. Non-Guaranteed Annuity Rates

Annuity Rate Factors: A Comprehensive Guide to Understanding Influential Variables

Guaranteed vs. Non-Guaranteed Annuities- Balancing Security and Potential Returns

Mastering Your Future: How to Calculate Annuity Growth Rate Effectively

American National Rate Certainty Annuity In-depth Review

American National Smart Start Accumulator Plus Fixed Indexed Annuity In-depth Review

American National Smart Start Accumulator Fixed Indexed Annuity In-depth Review

American National Strategy Indexed Annuity Plus FIA

Unlocking the Potential of Palladium MYG Annuity: An Expert Review

Declining, 10-year schedule applies to all guarantee terms. Representative 10-year schedule published for Palladium MYG: 8%, 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%. (NY comparison sheet confirms the 10-year period; schedule percentages from carrier literature commonly used for the series.)

 liquidity features provided via waivers/free-withdrawal provisions noted above. (State variations may apply.)

None. Potential costs are limited to surrender charges and any MVA during the surrender period. 

Palladium® MYG–NY: If the owner dies before the maturity date, the death benefit is the annuity value of the contract on the date proof of death is received by American National.

Confinement, Terminal Illness, and Disability waivers (state forms/availability apply). 

Every contract year, you can withdraw up to 10% of the beginning contract year annuity value without surrender charges. In New York only, during the first contract year you may withdraw interest only without surrender charges/adjustments; the 10% free withdrawal begins in contract year two.

Palladium® MYG–NY is a Single Premium Deferred Annuity (SPDA) issued in New York that credits a fixed interest rate for the duration of the selected guarantee period. The owner makes a one-time premium payment and selects an available multi-year guarantee term, during which interest is credited daily on a 365-day basis and grows tax-deferred.  For New York contracts, during the first contract year, the owner may withdraw interest only without surrender charges or market value adjustment. Beginning in contract year two, the policy allows annual penalty-free withdrawals of up to 10% of the contract value. Withdrawals in excess of this amount may be subject to surrender charges and, where applicable, a Market Value Adjustment (MVA).  At the end of the guarantee period, the contract provides a 30-day window during which the owner may withdraw the full contract value without surrender charges, renew the contract at the declared renewal rate, or take other permitted actions under the policy.

At the end of the guarantee period, there is a special 30-day window to withdraw all money without penalty; otherwise the owner can continue the annuity and earn an annual effective interest rate declared annually on the policy anniversary (with a minimum guaranteed interest rate after the guarantee period).

Accumulation value minus applicable surrender charges and any MVA. MGIR 2.70% applies to minimum guaranteed values. 

American National Palladium® MYG (New York)

 is a single-premium fixed deferred annuity issued by American National Life Insurance Company of New York that provides guaranteed, tax-deferred interest growth with full principal protection over a selected multi-year guarantee period. Designed specifically for New York–issued contracts, Palladium® MYG–NY offers fixed, contractually guaranteed interest rates for terms generally ranging from 

 (subject to availability). It is intended for conservative clients seeking predictable accumulation, protection from market volatility, and a simple annuity structure governed by New York insurance regulations. 

Withdrawals exceeding the 10% annual surrender charge-free amount, or a full surrender during the surrender charge period, are subject to surrender charges and may also incur an MVA (not applicable in all states). Charges decline each year until reaching 0%. California uses a separate surrender-charge schedule. 

Palladium® MYG: On the death of the owner, the death benefit will be the greater of the surrender value or the annuity value of the contract on the date proof of death is received by American National.

 Waives surrender charges and applicable MVA for qualifying confinement, subject to contract conditions.

 Waives surrender charges and applicable MVA for qualifying disability, subject to contract conditions.

 Waives surrender charges and applicable MVA for qualifying terminal illness; not available in California.

Every contract year, owners may withdraw up to 10% of the beginning contract year annuity value without a surrender charge. Withdrawals in excess of the surrender charge-free amount may be subject to surrender charges and may also be subject to a Market Value Adjustment (MVA), where applicable. Systematic withdrawals may be requested at any time prior to maturity for interest-only or fixed amounts; the minimum withdrawal amount is $100 ($50 if paid by direct deposit).

Palladium® MYG is a single premium fixed deferred annuity that credits a fixed interest rate for the full duration of the selected guarantee period. Interest is credited as an annual “effective interest rate” and compounded daily. At the end of the guarantee period, there is a special 30-day window to withdraw all funds without surrender charges (and any applicable MVA), or the owner may continue the annuity and earn an annual effective interest rate declared annually on the policy anniversary.

At the end of the selected guarantee period, there is a 30-day window to withdraw all funds without a surrender charge and any applicable MVA. If the owner continues the annuity after the guarantee period ends, the contract earns an annual effective interest rate declared annually, and the contract includes a Minimum Guaranteed Interest Rate to assure annual growth after the end of the guarantee period.

The surrender value equals the contract value minus any applicable surrender charges and MVA, but not less than the minimum nonforfeiture amount required by Standard Nonforfeiture Law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by American National Insurance Company that provides fixed, tax-deferred interest growth and principal protection across 

. It offers predictable, contractually guaranteed accumulation with premium-based rate enhancements (higher premiums can earn higher crediting rates during the initial guarantee period), making it well-suited for conservative clients seeking stable growth insulated from market volatility. 

American National – Palladium® MYG (New York)

American National – Palladium® MYG