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American National Palladium 3, 5 MYGA

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The surrender charge applies during the Initial Guarantee Period and decreases over time: 3-year term has a 7% charge each year; 5-year term has 7%, 7%, 7%, 6%, 5%; and 7-year term has 7%, 7%, 7%, 6%, 5%, 4%, 3%. Charges are waived for terminal illness or extended nursing home confinement

Surrender charges range from 3% to 7% depending on the term and decrease annually; waived for terminal illness or long-term care confinement 

urrender charges range from 3% to 7% depending on the term and decrease annually; waived for terminal illness or long-term care confinement 

 — applies to withdrawals during the Initial Guarantee Period and may increase or decrease the withdrawal amount.

The greater of the Account Value or the Nonforfeiture Value on the date that we received all properly completed Beneficiary Requirements.

Each Contract Year during the Initial Guarantee Period you may withdraw a Free Withdrawal Amount… In the first year, it is 10% of the Contribution; in subsequent years, 10% of the Account Value.

non-participating single premium deferred fixed annuity.

Guaranteed Growth Strategies℠ is a non-participating annuity with a Market Value Adjustment (MVA) feature and an accumulation and payout phase. During accumulation, interest is earned at a rate specified by the insurer. Withdrawals may be made subject to contract terms, and systematic and interest-only options are available. The annuity can be annuitized after 13 months, providing income for a fixed period certain. It offers a Death Benefit equal to the greater of Account Value or Nonforfeiture Value. Taxation is deferred until withdrawals begin, and penalties may apply if withdrawn before age 59½ unless exceptions are met 

Automatically renews into a Subsequent Guarantee Period of 1 year. The declared renewal interest rate is guaranteed through the end of each such period.

Account Value minus applicable Withdrawal Charges and MVA during the Initial Guarantee Period.

 is a multi-year fixed annuity designed to provide protection and predictable growth for your retirement savings. With guaranteed interest rates over terms of 3, 5, or 7 years, it helps ensure that your investment grows steadily regardless of market conditions. As a single premium deferred fixed annuity, it allows tax-deferred accumulation, with income payments beginning at a future date of your choice, up to the contract’s maturity. It is ideal for those nearing or in retirement, who prioritize safety and consistency in returns 

Equitable Guaranteed Growth Strategies