American National Insurance Company - Annuity Financial

American National Insurance Company

1-888-501-4043 |

Effective Date: September 1, 2019

Annuity Products

Rates in BOLD indicate a change from the previous rate.

ANICO Strategy Indexed Annuity (ASIA) PLUS

10-Year 7-Year

Premium Enhancement

1.00% 1.00%

Declared Rate Declared Rate

1.25% 1.10%

1-Year Specified Rate

Specified Rate

2.25% 2.00%

1-Year Monthly Sum

Monthly Cap

1.10% 1.00%

1-Year Point to Point

100% Participation Cap 75% Participation Cap 50% Participation Cap

2.50% 2.25% Currently Unavailable 2.60% 2.35%

3 & 5-Year Point to Point

Currently Unavailable

Lifetime Income Rider (Fixed Rate)

Fixed Rate Accumulation Period Rider Premium Enhancement Rider Premium Charge

7.20% 10 Years

N/A 0.90%

7.20% 10 Years

N/A 0.90%

Lifetime Income Fixed Rate + Indexed Credit

Rider

Accumulation Period

(Indexed Credit + Rider Premium Enhancement

Fixed Rate)

Rider Premium Charge

4.20% + Indexed Credit

10 Years 10 Years

N/A

N/A

0.60% 0.60%

NEW!

Fixed Annuity

Lifetime Income Rider

Century Plus Annuity

1st Year $100,000 6.45% < $100,000 6.35% Fixed Rate Accumulation Period Rider Premium Enhancement Rider Premium Charge

Base Rate 1.45% 1.35% 7.20% 10 Years

N/A 0.90%

Palladium Group Fixed Annuity (Pension Annuity)

1st Year 1.45%

Base Rate 1.45%

Palladium Single Premium Immediate Annuity (SPIA)

For Quotes Call 1-888-501-4043 or use SPIA Express via our website at img.

Palladium Multi-Year Guarantee Annuity (MYG)

1st Year

Base Rate

Effective Yield

5 Year 6 Year 7 Year 8 Year 9 Year 10 Year

$100,000 < $100,000 $100,000 < $100,000 $100,000 < $100,000 $100,000 < $100,000 $100,000 < $100,000 $100,000 < $100,000

2.85% 2.75% 2.15% 2.05% 3.25% 3.15% 2.30% 2.20% 4.15% 4.05% 3.30% 3.20%

1.85% 1.75% 2.15% 2.05% 2.25% 2.15% 2.30% 2.20% 2.15% 2.05% 2.30% 2.20%

2.05% 1.95% 2.15% 2.05% 2.39% 2.29% 2.30% 2.20% 2.37% 2.27% 2.40% 2.30%

WealthQuest Citadel 5 & 7 Diamond Annuity

1st Year

Base Rate

WQCD 5 (1) WQCD 7 (2)

$100,000 < $100,000 $100,000 < $100,000

2.20% 2.10% 3.30% 3.20%

1.20% 1.10% 1.30% 1.20%

(1) 1st Year Rate includes 1% interest rate enhancement on all premium payments received in the first year for one year. | (2) 1st Year Rate includes 2% interest rate enhancement on all premium payments received in the first 36 months of the contract for one year.

Minimum Guaranteed Interest Rate (MGIR) (MGIR is used to calculate the Minimum Guaranteed Surrender Value) ? Fixed Deferred Annuities: 1.00% ? ANICO Strategy Indexed Annuity PLUS

1.00% for the fixed strategy 1.00% for the indexed strategies

Base Rate is for the initial guarantee period only. It is not used for renewal rates beyond the initial guarantee period. Base rates are subject to change at any time.

For Agent Use Only; Not for Distribution or Use with Consumers.

Life Products

American National Insurance Company

1-888-501-4043 |

Effective Date: September 1, 2019

Rates in BOLD indicate a change from the previous rate.

Signature Indexed Universal Life

Fixed Account

Fixed Rate

Participation Rate

Cap Point to Point with Cap

Floor

Strategy Illustrated Rate

Participation Rate

Point to Point with Cap and Cap

Higher Floor

Floor:

Strategy Illustrated Rate

Point to Point with Specified Specified Rate

Rate

Strategy Illustrated Rate

Point to Point Uncapped with Interest Rate Spread

Interest Rate Spread Floor Strategy Illustrated Rate

Variable Loan Rate

4.00% 100% 10.50% 0.00% 6.36% 100% 8.00% 1.50% 5.57% 7.50% 4.85% 4.75% 0.00% 6.36% 3.85%

ANICO Executive Universal Life

1st Year 3.15%

Base Rate 3.15%

Signature Whole Life Current Dividend Accumulation Interest Rate Guaranteed Min. Dividend Accumulation Interest Rate

2.50% 1.50%

Signature Plus Indexed Universal Life

1.00% Interest Rate Enhancement beginning in year 11*

Fixed Account

Fixed Rate

4.00%

Participation Rate

100.00%

Cap Point to Point with Cap

Floor

8.50% 0.00%

Strategy Illustrated Rate

5.38%

Participation Rate

100.00%

Point to Point with Cap and Cap

Higher Floor

Floor

6.00% 1.50%

Strategy Illustrated Rate

4.43%

Point to Point with Specified Specified Rate

Rate

Strategy Illustrated Rate

6.00% 3.99%

Point to Point Uncapped with Interest Rate Spread

Interest Rate Spread Floor Strategy Illustrated Rate

5.60% 0.00% 5.38%

Variable Loan Rate

3.85%

*The Interest Rate Enhancement is not guaranteed and may range from 0-1% and may fluctuate over the life of the policy.

Signature Guaranteed Universal Life Signature Guaranteed Universal Life SI

ANICO Signature Term

For Quotes or More Information, call 1-888-501-4043 or visit our website at img.

American National Insurance Company, headquartered in Galveston, Texas is licensed to conduct business in all states except New York. Business is conducted in New York by American National Life Insurance Company of New York, headquartered in Glenmont, New York. Each Company is responsible for only the products and services it issues. Separate Rate Sheet is Available for New York.

For Agent Use Only; Not for Distribution or Use with Consumers.

American National Life Insurance Company of New York

1 (877) 755-2667 | img.

Effective Date: September 1, 2019

Annuity Products

Rates in BOLD indicate a change from the previous rate.

ASIA PLUS - NY

Declared Rate

Declared Rate

1-Year Specified Rate Specified Rate

10-Year 7-Year 1.10% 1.00% 1.10% 1.00%

Palladium Multi-Year Guarantee Annuity (MYG) - NY

1st Year

Base Rate Effective Yield

5 Year

$100,000 2.55% 1.55% < $100,000 2.45% 1.45%

1.75% 1.65%

1-Year Monthly Sum Monthly Cap

0.20% 0.10%

100% Participation Cap 2.10% 1.85%

1-Year Point to Point 75% Participation Cap

Currently Unavailable

50% Participation Cap

2.20% 1.95%

Min. Guaranteed Interest Rate for Indexed Strategies 1.00% 1.00%

NEW!

Fixed Annuity

Century Plus Annuity - NY

$100,000 < $100,000

1st Year 6.35% 6.25%

Base Rate 1.35% 1.25%

6 Year

$100,000 1.85% 1.85% < $100,000 1.75% 1.75%

1.85% 1.75%

7 Year

$100,000 2.95% 1.95% < $100,000 2.85% 1.85%

2.09% 1.99%

10 Year

$100,000 3.00% < $100,000 2.90%

2.00% 1.90%

2.10% 2.00%

WealthQuest Citadel 5 & 7 Diamond - NY

1st Year

Base Rate

Palladium Single Premium Immediate Annuity (SPIA) - NY

For Quotes Call 877-755-2667 or use SPIA Express via our Website at https//img.

WQCD 5 (1) WQCD 7 (2)

$100,000 < $100,000 $100,000 < $100,000

2.10% 2.00% 3.20% 3.10%

1.10% 1.00% 1.20% 1.10%

(1) 1st Year Rate includes 1% interest rate enhancement on all premium payments received in the first year for one year. (2) 1st Year Rate includes 2% interest rate enhancement on all premium payments received in the first 36 months of the contract for one year.

Minimum Guaranteed Interest Rate (MGIR)

? Fixed Deferred Annuities: 1.00% ? ANICO Strategy Indexed Annuity PLUS

1.00% for the fixed strategy 1.00% for the indexed strategies

For Agent Use Only; Not for Distribution or Use with Consumers.

American National Life Insurance Company of New York

1 (877) 755-2667 | img.

Effective Date: September 1, 2019

Life Products

Rates in BOLD indicate a change from the previous rate.

Signature Indexed Universal Life - NY

Fixed Account

Fixed Rate

3.55%

Participation Rate

100.00%

Point to Point with Cap

Cap Floor:

10.50% 0.00%

Strategy Illustrated Rate 6.36%

Participation Rate

100.00%

Point to Point with Cap and Higher Floor

Cap Floor

7.75% 1.50%

Strategy Illustrated Rate 5.43%

Point to Point with Specified Rate

Specified Rate Strategy Illustrated Rate

7.15% 4.65%

Point to Point Uncapped with Interest Rate Spread

Interest Rate Spread Floor Strategy Illustrated Rate

5.70% 0.00% 6.36%

Variable Loan Rate

3.85%

Executive Universal Life - NY

1st Year 3.25%

Base Rate 3.25%

Signature Plus Indexed Universal Life - NY

1.00% Interest Rate Enhancement beginning in year 11*

Fixed Account

Fixed Rate

3.55%

Participation Rate

100.00%

Point to Point with Cap

Cap Floor

9.00% 0.00%

Strategy Illustrated Rate 5.64%

Participation Rate

100.00%

Point to Point with Cap and Cap

Higher Floor

Floor

6.00% 1.50%

Strategy Illustrated Rate 4.43%

Point to Point with Specified Specified Rate

Rate

Strategy Illustrated Rate

6.25% 4.14%

Point to Point Uncapped with Interest Rate Spread

Interest Rate Spread Floor Strategy Illustrated Rate

6.70% 0.00% 5.64%

Variable Loan Rate

3.85%

*The Interest Rate Enhancement is not guaranteed and may range from 0-1% and may fluctuate over the life of the policy.

Signature Guaranteed Universal Life ANICO Signature Term NY

Signature Whole Life

Current Dividend Accumulation Interest Rate Guaranteed Min. Dividend Accumulation Interest Rate

2.50% 1.50%

For Quotes Call 877-755-2667 or visit our website at img. for more information.

American National Life Insurance Company of New York, Glenmont, New York.

For Agent Use Only; Not for Distribution or Use with Consumers.

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