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Fixed Indexed Annuity

Rate Certainty Annuity

American National Life Insurance Company

10%

Free W/D

51

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Highest declared trigger rate

9.25% trigger rate on S&P 500 Dynamic Intraday TCA Index (USD) ER

A choose-your-term (5-, 7-, 10-, or 20-year) fixed indexed annuity from an A-rated carrier, built entirely on performance-trigger crediting against the carrier's proprietary S&P 500 Dynamic Intraday TCA Index, with a fixed-account bucket and no lifetime-income rider in the design.

1-year termPerformance triggerAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want to pick their own surrender commitment length, prefer trigger crediting (a fixed credit on any flat-to-positive index year) over cap-led upside, and are comfortable with a single proprietary index option rather than a diversified menu of recognizable benchmarks.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

3.8% declared rate

+ 3 volatility-controlled index options (S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The buyer picks a surrender term at issue — the live feed exposes 5-, 7-, 10-, and 20-year filings of the same contract, so the surrender commitment is a chosen lever rather than a single fixed length. The product name 'Rate Certainty' reflects that the chosen term locks the surrender ladder for the full period.
  • Indexed crediting is delivered entirely through performance-trigger strategies (Performance Trigger, Enhanced Performance Trigger, Protected Performance Trigger). A trigger pays the full declared rate any year the index is flat or positive — there is no cap to compress upside and no participation haircut on positive years.
  • Every strategy on this contract is filed at one-year crediting, so the buyer is not committing to a multi-year point-to-point window between credit events — crediting decisions reset annually across the entire menu.
  • Liquidity terms are visible on this page: an annual free-withdrawal allowance, the full year-by-year surrender ladder, and four surrender-charge waivers (disability, nursing home, RMD, terminal illness) — none of these are gated behind a sales brochure.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product — the live feed shows zero income riders attached. Do not compare this contract's headline to a rider-led income FIA on lifetime payout.
  • Every indexed strategy is linked to the same single proprietary index — the carrier's S&P 500 Dynamic Intraday TCA Index (USD) ER. There is no annual point-to-point cap on the plain S&P 500 here, no Nasdaq-100 option, no Russell 2000 option — buyers expecting a diversified menu of recognizable benchmarks across multiple indexes will not find one in this contract.
  • The 'S&P 500 Dynamic Intraday TCA' is a proprietary volatility-controlled variant of the S&P 500, not the plain S&P 500 price index — its long-run return behavior is not the same as the underlying benchmark, and historical S&P 500 charts are not a sound proxy for the index this product credits against.
  • Trigger strategies cap upside implicitly — any year the index is positive, the buyer earns the declared trigger rate regardless of how strong the index move was. In a year the index rallies sharply, a trigger credit is lower than what a participation-rate strategy on the same index would have earned. Trigger crediting trades upside-tail capture for the certainty of a fixed credit on flat-to-positive years.
  • Surrender-period choice changes the rate menu — the 5-, 7-, 10-, and 20-year filings publish their own trigger rates and fixed-account rates, so a rate quoted on one filing does not apply to another. Confirm the term the buyer is purchasing before quoting any number from this page.

Not ideal for

Buyers who want a contractually guaranteed lifetime withdrawal rate from a GLWB rider, an annual point-to-point cap on the plain S&P 500 or Nasdaq-100 for like-for-like benchmark comparison, or a menu of multiple indexes — this contract delivers none of those by design.

All crediting strategies

View rate listings (8 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Fixed: 7.4% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Performance Trigger · trigger

5-yr surrender

Par: 100% + Fixed: 9.25% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Enhanced Performance Trigger · trigger

5-yr surrender

Par: 100% + Fixed: 6% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Protected Performance Trigger · trigger

5-yr surrender

Fixed: 3.8% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 100% + Fixed: 7.4% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Performance Trigger

Par: 100% + Fixed: 9.25% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Enhanced Performance Trigger

Par: 100% + Fixed: 6% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Protected Performance Trigger

Fixed: 3.8% · 1-yr

Fixed Account

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Rate Certainty Annuity review notes

Comprehensive review of American National’s Rate Certainty Annuity—features, rates, pros, cons, and ideal investor profile.

3.5/5Read review
Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

4

Disability waiver, Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed declared rate: 0.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.60%

Strategy guarantee

Minimum guaranteed participation: 0.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Disability waiver, Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

2025-05-23_ANICO_Rate_Certainty_Annuity_5_Brochure.pdf

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Rate Certainty Annuity currently shows 2 distinct indexed or fixed crediting choices across 8 current rate listings, including S&P 500 Dynamic Intraday TCA Index (USD) ER and Fixed Account. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 100% participation
  • Fixed Account: 3.8% fixed

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 5 surrender years
  • Disability waiver
  • Nursing home waiver
  • RMD waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 2025-05-23_ANICO_Rate_Certainty_Annuity_5_Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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