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Product Details
American Classic 5 Year
Company social profile:
Product Name
American Classic 5 Year
Annuity Type
MYGA
Issuing Insurance Company and Ratings
American Life & Security Corp
Ratings
Product Information
The American Life’s American Classic 5 Year is a Single Premium Multi Year Guaranteed Annuity with a 5-year interest rate guarantee and a 5-year surrender charge period with a Market Value Adjustment provision.
Key Features
Premium Types: Single
Minimum Premium: $1,000
Maximum Premium: $1,000,000
Free Look Period: 30 Days
Rate Lock Period: 14 Days
Rates
Effective Date: 09/06/2025
Initial Guarantee Period: 5 years
Next Change: N/A — not specified
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $1,000 - $1,000,000
Current
5 Year Guarantee Period Annual Yield:
5.55%%
Interest rate start of year 1 through end of year 5:
5.55%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in AR CA CT DE GU MA MD ME MN MS NC NJ NY PA PR RI SC TN VA VI VT WI WV WY
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $100
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 90 years old
State Restrictions: Not available in AR CA CT DE GU MA MD ME MN MS NC NJ NY PA PR RI SC TN VA VI VT WI WV WY
