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Product Details
Palladium NY(SPIA)
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Product Name
Palladium NY(SPIA)
Annuity Type
SPIA
Issuing Insurance Company and Ratings
American National Life Insurance Company of NY
Ratings
Product Information
Palladium Immediate Annuity can provide a steady stream of income payments to meet current income needs. The amount of income is determined by the single premium you choose to pay, the rate in effect at the time the contract is purchased, and the frequency of income payments you chose.
Key Features
Premium Types: Single
Minimum Premium: $15,000 NQ / $3,500 Q
Maximum Premium: $2,000,000
Free Look Period: 30 Days
Rate Lock Period: 60 Days
Rates
Effective Date: 01/03/2026
Initial Guarantee Period: N/A
Next Change: 04/01/2026
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%
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
Only available in NY
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : –
Withdraw from the accumulation Value After : End of Term
Minimum Policy Value : $5,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Contribution
Systematic Withdrawl: No
Min Withdrawl Amount: $2,000
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 0-90: Period Certain Only
5-90: Life-contingent Income Options
State Restrictions: Only available in NY
