3-Year multi-year guaranteed annuity · A.M. Best A
Assumes the contract is held to maturity and interest compounds annually at the locked rate. No withdrawals.
| Year | Starting Balance | Interest Credited | Ending Balance |
|---|---|---|---|
| Year 1 | $100,000.00 | +$4,950.00 | $104,950.00 |
| Year 2 | $104,950.00 | +$5,195.03 | $110,145.03 |
| Year 3 | $110,145.03 | +$5,452.18 | $115,597.20 |
Withdrawals above the contract's free-withdrawal allowance during the surrender period incur the following charge. A Market Value Adjustment (MVA) also applies on early withdrawals and can increase or decrease the surrender value based on interest rate movement since issue.
| Year | 1 | 2 | 3 | 4+ |
|---|---|---|---|---|
| Charge | 8% | 8% | 8% | 0% |
Source: carrier rate filing via AnnuityRateWatch. Verify final terms against your issued contract or licensed agent.
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American National Insurance Company carries an A.M. Best rating of A, an indicator of the company's financial strength and ability to meet its insurance obligations. When you purchase an annuity, your guarantees are backed by the issuing insurance company's claims-paying ability, so carrier strength matters.
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Live rate feed Last updated May 26, 2026. Rates refresh every 6 hours via the AnnuityRateWatch API. Subject to change without notice.
