WealthQuest Citadel 5 Diamond
American National Life Insurance Company
4.3492%
5-yr guarantee
10%
Free W/D
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
4.35% guaranteed for 5 years
A 5-year MYGA from an A-rated carrier with a Diamond high-premium tier (rate steps up at the upper premium band) and a guaranteed step-rate schedule that locks in a single known yield for the full surrender term.
Best fit
Buyers with a six-figure deposit to commit for five years who want a known, guaranteed yield from an A-rated carrier and don't need the money back early.
AM Best
A Excellent
Surrender period
5 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- A-rated carrier (A.M. Best) — American National has been writing fixed annuities since 1905, which matters when you're locking in money for five years.
- Diamond tier is the high-premium band: at the upper premium band the rate steps up versus the standard band, so a six-figure rollover gets the better of the two filings inside the same product family.
- Step-rate design: a higher first-year rate followed by a contractually guaranteed renewal rate for years 2–5, blended into a single locked yield for the full term — no surprise renewal at the end of year 1.
- Annual penalty-free withdrawal allowance plus disability and nursing-home waivers — meaningful liquidity for a fixed contract.
What to confirm
- The headline yield depends on premium band — the rate at the Diamond high-premium tier is different from the rate at the standard band. Confirm which band your premium will land in before signing.
- Step-rate structure means the first-year rate is higher than the renewal rate. Comparison sites that show only the first-year number make this product look better than it actually is over the full 5 years — look at the guaranteed period yield instead.
- Declining surrender charge ladder runs the full 5 years — early access beyond the annual free-withdrawal allowance carries a real cost. This is a 5-year commitment.
- Death benefit is contract value only — there's no enhanced or rollup death-benefit rider on this product.
Not ideal for
Anyone who needs liquidity beyond the annual free-withdrawal allowance before year 5, anyone shopping below the Diamond high-premium threshold (the standard band carries a lower rate), or anyone whose goal is market-linked growth or lifetime income — this is a pure rate product, not an FIA.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 5-Year | 4.3492% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Disability waiver, Nursing home 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
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Disability waiver, Nursing home waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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