Palladium MYG Max
American National Life Insurance Company
5.3%
10-yr guarantee
10%
Free W/D
53
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
5.3% guaranteed for 10 years
The premium tier of American National's Palladium multi-year guaranteed annuity family — flat declared rates at 3, 5, 7, and 10-year terms with the highest rate at every shared term, paired with a longer 10-year surrender ladder and an annual free-withdrawal allowance.
Best fit
Buyers who want the highest declared rate in the Palladium family at a chosen term, are willing to commit to a 10-year surrender window for that rate premium, and want a financially strong, established carrier.
AM Best
A Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
53 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Within the Palladium MYG family this is the only filing that pairs published guaranteed rates at every term from 3 through 10 years with the highest declared rate at each overlapping term — Palladium Match MYG tops out at a 7-year term and base Palladium MYG publishes a lower guaranteed rate at every shared term, so Max is the premium-tier choice when the lead-term rate is the priority.
- Issued by American National Insurance Company, a long-established U.S. annuity carrier.
- Annual free-withdrawal allowance runs alongside the surrender schedule, plus disability, nursing-home, and terminal-illness charge waivers — penalty-free liquidity rules are visible on this page, not gated behind a brochure.
- Surrender charge ladder is a declining 10-year schedule with no market-value adjustment, so the surrender cost on an early exit is a single visible number rather than a charge plus a rate-driven MVA.
What to confirm
- Surrender period is 10 years with a meaningful first-year charge — that is a year longer than base Palladium MYG and three years longer than Palladium Match MYG, so Max's higher guaranteed rate is bought with a longer lock-up. The premium-tier rate is not free; it costs liquidity.
- The carrier's posted headline rate per term is lower than the guaranteed period rate this page surfaces — a buyer reading marketing materials may see a different number than the rate this page shows. The page rate is the effective annual rate the contract credits over the guarantee period; confirm which figure the illustration is built on before signing.
- Posted rates on this page assume the mid-range premium band; deposits in lower or higher bands earn a different guaranteed rate, so the headline does not apply universally — verify the rate for the actual deposit size.
- The death benefit is the cash surrender value with no roll-up or step-up — this contract is built for rate certainty, not legacy enhancement.
Not ideal for
Buyers who need short-window liquidity, a shorter surrender schedule than the base or Match filings offer, market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — none of those are what this contract is built to deliver.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.95% |
| 5-Year | 5.3% |
| 6-Year | 4.75% |
| 7-Year | 5.4% |
| 10-Year | 5.3% |
Key Features
Surrender waivers
3Disability waiver, Nursing home waiver, Terminal illness waiver
Death benefit
Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single lifeContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.7%
Yr 8
2.8%
Yr 9
1.9%
Yr 10
0.9%
After
0%
Disability waiver, Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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