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American National Palladium 3, 5 MYGA

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The IRS may impose a penalty for withdrawals prior to age 59 ½.

Bailout Waiver of Surrender Charges and MVA – if renewal rate less than stated bailout rate a 30-day window after policy anniversary.

10% Penalty- Free Withdrawal starting year 2.
Penalty-Free Required Minimum Distribution starting year 2.

The CL Tarrant Trail Annuity has a six-year surrender charge schedule: 9% in year one, decreasing by 1% annually to 4% in year six. Withdrawals exceeding the penalty-free amount during this period are subject to these charges. Additionally, a market value adjustment (MVA) applies to excess withdrawals, adjusting the payout based on interest rate changes since the contract's inception. However, if the renewal interest rate falls below the contract's bailout rate, surrender charges and the MVA are waived for withdrawals made within 30 days after the contract anniversary. Withdrawals before age 59½ may also incur a 10% federal tax penalty.

 is a single premium, tax-deferred fixed annuity offering a guaranteed interest rate for the first year, including a 1% bonus. It features a "bailout" provision, allowing policyholders to withdraw funds without surrender charges or market value adjustments if the renewal interest rate falls below the contract's stated bailout rate.Starting in the second contract year, policyholders may take penalty-free withdrawals of up to 10% of the account value or the required minimum distribution (RMD), whichever is greater. The annuity also provides a death benefit equal to the full account value.

Interest Only Penalty- Free Withdrawal starting after 30 days.

tax-qualified - $10,000 / Non-qualified - $20,000.

Withdrawals exceeding the penalty-free amount during the guarantee period are subject to surrender charges, which start at 9% and decrease annually depending on the term selected. Additionally, a market value adjustment (MVA) may apply to withdrawals above the penalty-free amount, potentially increasing or decreasing the payout based on interest rate changes. Surrender charges and the MVA are waived in the event of death or during the 30-day window at the end of the guarantee period. Withdrawals before age 59½ may also be subject to a 10% federal tax penalty.

Accumulation value minus applicable surrender charges.

 is a single premium, tax-deferred fixed annuity offering guaranteed interest rates over 2-, 3-, or 5-year terms. It is designed for individuals seeking predictable growth and principal protection without exposure to market volatility. The annuity allows for penalty-free withdrawals of up to 12 months' worth of earned interest or the required minimum distribution (RMD), whichever is greater. Upon the owner's death, the beneficiary receives the full account value. At the end of the guarantee period, there is a 30-day window to withdraw funds without surrender charges or market value adjustments.

CL Tarrant Trail

CL Sundance