WealthQuest Citadel 7 Diamond
American National Life Insurance Company
4.4834%
7-yr guarantee
10%
Free W/D
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
7-year guaranteed rate
4.48% guaranteed for 7 years
A 7-year multi-year guaranteed annuity from an A-rated carrier — a flat, contractually locked rate for the full term, with an annual penalty-free withdrawal allowance and no market-value adjustment.
Best fit
Savers who can commit a lump sum (ideally $100,000 or more, to qualify for the higher premium band) for the full 7-year term in exchange for a contractually guaranteed rate, and who want a slightly longer lock than the 5-year sibling in return for the rate the longer term supports.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- A fixed, contractually guaranteed rate locked for the full 7-year term — no index, no cap, no participation rate, no moving parts. The number on day one is the number for the entire guarantee period.
- Issued by an A-rated (AM Best) carrier with corroborating Fitch and S&P strength ratings, so the guarantee is not resting on a single agency's view.
- An annual penalty-free withdrawal allowance plus disability and nursing-home waivers give meaningful liquidity flexibility inside an otherwise locked-in contract.
- No market-value adjustment (MVA), so a full surrender during the schedule is priced from the surrender ladder alone — buyers are not exposed to an additional interest-rate adjustment on top of the surrender charge.
What to confirm
- This is a 7-year commitment. Surrender charges run the full term and step down annually — money beyond the free-withdrawal allowance is not freely accessible until the contract matures.
- The lead 7-year guaranteed rate quoted here is the band for premiums of $100,000 and up; smaller premiums fall into a lower band and earn a lower rate. Confirm which band your premium qualifies for.
- The headline rate is built from a first-year rate plus a lower renewal rate held for the remaining years of the term (a step-rate structure). The effective annual yield is the right comparison number; the first-year rate alone overstates what the contract actually delivers.
- There is no lifetime-income rider and no death-benefit roll-up — this is a pure rate-and-term product. Buyers who need a guaranteed-income stream or an enhanced death benefit should look at a different chassis.
Not ideal for
Buyers who may need the principal back inside 7 years beyond the annual free-withdrawal allowance, who want a lifetime-income guarantee, or who would rather take a shorter 5-year commitment (the 5-year WealthQuest Citadel 5 Diamond is the same chassis with a shorter surrender period) — those buyers should not lock into the 7-year term.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 7-Year | 4.4834% |
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%
Yr 6
4%
Yr 7
2%
After
0%
Disability waiver, Nursing home waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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