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American National Insurance Company

Palladium Century

A Fixed Annuity with a 1-year fixed rate and a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A		Standard & Poor's: A

Rates
The interest rate is guaranteed for 1 years Surrender charges last 7 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

	Previous Rates xx/xx/xxxx			Current Rates xx/xx/xxxx
	Rate	Bonus	Yield to Surrender	Rate	Bonus	Yield to Surrender
Band 100+	****	*****	*****	****	*****	*****

Policy Notes

The @annuityname@ is a flexible premium annuity acc --[ subscription required to view full text ]--
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Product Riders
No Riders Available

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Ages Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

During the Surren --[ subscription required to view full text ]--
****** *** ********* ******, * ****** ***** ********** (***) **** ** ******* ** ******** ** *** ********* *******. ** ****** ***** *** *** ** *** *******, ** ****** ******** ********* **** ** *******.

** ****** *** ********, ***** *** *** ********* ******* ****** **** ** ** ***** ****** ***** ** **, **, **, **, **, **, ** *** **.

MVA Explanation
Not available in GA NC TX VA VT WI

A Market Value Adjustmen --[ subscription required to view full text ]--
* ****** ***** ********** (***) ** ** ****** **** ** ****** *** ********* ***** ** *** ********. *** *** ** **** ******* ****** *** @*******@-**** ******** ****** *** **** *** ***** ** *** *********-**** ******* ********* *******.

*** *** *** ******** ** ******** *** ********* ***** ********* ** *** ********* ******** ***** ****. ********* *** *** ********* *** ********* ***** **** ******** ***** **** *** ********* *** ********* ***** **** ******** ***** ****.

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Commissions
Effective date of commission schedule: 10/01/2011
Commissions are ***** *** * *** * *** * ** ***** ***.

Palladium Century

Up to age 74

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Ages 75-90

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail Option

Palladium Century

Up to age 74

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 75-90

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Related Information

Other American National Insurance Company Products

MYGA

Palladium MYG Annuity 10
Palladium MYG Annuity 5
Palladium MYG Annuity 6
Palladium MYG Annuity 7
Palladium MYG Annuity 8
Palladium MYG Annuity 9

Fixed Annuity

Citadel 5 Diamond
Citadel 7 Diamond
Palladium Advisor
Palladium Century 1
Palladium Century 3
Palladium Century 5
Palladium Century 7
Palladium Group Fixed Deferred

Fixed Indexed Annuity

ANICO EIA
ANICO Strategy Indexed Annuity 10
ANICO Strategy Indexed Annuity 7
Value Lock 10
Value Lock 7

SPIA

Palladium (SPIA)

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