Annuity Portfolio: Capital Protection & Guaranteed Growth
American National annuities are engineered to shield your principal from market downturns, deliver competitive tax-deferred compounding, and create guaranteed lifetime paychecks.
Palladium® Multi-Year Guarantee Annuity (MYGA)
Lock in guaranteed fixed compound growth backed by our 'A' rating. Available with 10% penalty-free annual liquidity after year one.
Palladium® MYGA Series
Top 5.70%Multi-Year Guarantee Fixed Annuity offering guaranteed interest rates for initial lock-in durations.
- • Tiered Pricing: High Band (≥ $250k: baseline top rate), Mid Band ($100k–$249k: -0.15%), Low Band (< $100k: -0.25%).
- • Liquidity: 10% penalty-free annual withdrawals after year one.
- • Policy Series: MYG24, MYGNQ(NY), MYGPQ(NY), AI20.
Palladium® MYG MAX
Max YieldEngineered for clients seeking absolute maximum crediting by eliminating withdrawal features during the surrender period.
- • Guarantee Durations: 3, 5, 6, 7, and 10-year lock-in terms.
- • First-Year Bonus: Special rate enhancement on Palladium MYG MAX 6.
- • Target: Long-term compound accumulation with zero equity drawdown.
Strategy Index 7 & 10 (FIA)
0% FloorSingle Premium Fixed Indexed Annuity linking growth to market upside without exposing principal to negative years.
- • Downside Floor: 0% guaranteed annual floor; you never lose principal to market crashes.
- • Index Options: S&P 500® managed crediting and custom multi-asset strategies.
- • Lifetime Income Rider (LIR): Optional guaranteed income for life, even if account balance hits zero.
Smart Start Accumulator 5 & 10
New 2025 SeriesAdvanced FIA providing first-year enhancement guarantees with structured asset allocation options.
- • Smarter Start Guarantee: Enhanced first-year floor crediting.
- • Portfolios: Conservative, Balanced, and Bold indexing buckets.
- • Series: FIA25, ICC25, PER25, WSR25-D, AFWR25, MVA24.
Rate Constant Annuity (RCA)
Level CapsEliminates annual cap adjustments by locking in level crediting caps across the entire surrender term.
- • Predictability: Caps stay constant for all policy years.
- • Indexation: S&P 500® managed crediting across 4 strategic allocations.
- • Form: RCA24.
Palladium® SPIA
Immediate IncomeConverts a lump sum premium into immediate, guaranteed monthly, quarterly, or annual cash distributions.
- • Payout Options: Single life, joint life, period certain, or life with installment refund.
- • Retirement Paycheck: Never outlive your income regardless of market volatility.
- • Form: SPIA22, ANY-NSPA.
Asset Vehicle Comparison: MYGA vs. Traditional Cash Equivalents
| Feature / Metric | Palladium® MYGA | Bank Certificates of Deposit (CD) | Equity Mutual Funds |
|---|---|---|---|
| Tax Treatment | Tax-Deferred Compounding (no tax until withdrawn) | Taxed Annually on Earned Interest (1099-INT) | Taxed on Capital Gains & Dividends Annually |
| Principal Risk | Guaranteed 0% Floor by American National ('A' Rated) | FDIC Insured up to standard statutory limits | Subject to Market Downside Volatility |
| Yield Benchmark | Up to 5.70% locked for multi-year duration | Variable bank rates, subject to reinvestment risk | Uncertain, fluctuating yields |
| Annual Liquidity | 10% Penalty-Free annual withdrawals after Year 1 | Substantial early withdrawal interest penalties | Daily liquidity, but selling into potential market dips |
SECURE Act 2.0: Critical RMD & Tax Updates
The federal SECURE Act 2.0 established major changes to Required Minimum Distributions (RMDs) from qualified retirement contracts and IRAs. Angela Dorey helps clients navigate these rules to prevent excessive taxation:
RMD Mandatory Age Increased
Mandatory RMD start age increased from 72 to 73 (effective 2023), and is scheduled to increase to age 75 in 2033, allowing assets more years of tax-deferred growth.
Reduced Missed RMD Excise Tax
The draconian 50% IRS excise penalty for failing to take a timely RMD is permanently slashed to 25%, and down to 10% if corrected in a timely manner.
Roth 401(k) Parity
Pre-death RMD requirements for designated Roth employer accounts have been completely eliminated, matching the favorable treatment of Roth IRAs.
Life Insurance: Protection, Liquidity & Legacy
A proper life insurance strategy provides tax-free death benefits to replace lost income, retire mortgage debt, fund college educations, or transfer generational wealth cleanly.
Term Life Insurance
Affordable protection for 10, 15, 20, or 30-year terms. Maximum death benefit per premium dollar, ideal for growing families and young homeowners.
Convertible to PermanentWhole Life Insurance
Lifetime permanent protection with guaranteed level premiums, guaranteed death benefit, and steady cash value accumulation accessible via policy loans.
Guaranteed Cash ValueUniversal Life (UL)
Flexible premium payments and adjustable death benefits with interest crediting options to balance lifelong protection with cash accumulation.
Flexible Premium PlansFarm & Ranch Insurance
Farming is more than a business—it’s a way of life that sustains our Delaware and Maryland communities. Through our affiliated specialist brand, Farm Family, Angela Dorey provides comprehensive agricultural coverage packages.
- • Farm Property & Dwellings: Primary farmhouse, tenant homes, barns, silos, and outbuildings.
- • Machinery & Equipment: Tractors, combines, irrigation rigs, and specialized implements.
- • Livestock & Yield: Cattle, poultry, grain, hay, and harvested farm produce coverage.
- • Agricultural Liability: Chemical drift liability, farm pollution liability, and public farm market exposure.
Commercial Business Insurance
Protecting Delaware small businesses and mid-sized enterprises against property damage, lawsuits, operational disruptions, and employee liability.
- • Business Owners Policy (BOP): Bundled property, loss of business income, and general liability.
- • Commercial Property: Real estate, inventory, office equipment, and signage.
- • Commercial General Liability (CGL): Slip-and-fall, bodily injury, and product liability.
- • Commercial Auto & Fleet: Work vans, service trucks, and delivery vehicles.
Pension Risk Transfer (PRT) Solutions
Over $4.3 billion in cumulative group annuity contracts de-risking corporate defined-benefit pension plans, securing the retirement of over 79,000 plan participants nationwide.
Retiree Lift-Outs
Transferring in-pay defined-benefit retirees to American National while the sponsor maintains active employee obligations, immediately reducing balance sheet volatility.
Full Plan Terminations
Complete plan liquidation and de-risking via irrevocable group annuity certificates, shielding corporate sponsors from ongoing PBGC premiums and actuarial risks.
Plan Participant Servicing
Dedicated PRT Service Center providing uninterrupted benefit disbursements, direct deposit, and 1099-R support.
Toll-Free (US): +1 (833) 703-1905
Plan Sponsors Contact: PRTSolutions@AmericanNational.com
Get a Personalized Coverage Analysis
Whether locking in 5.70% MYGA annuity rates or reviewing your business or farm policies, Angela Dorey is ready to talk through your options.