Skip to content 
Product Details
Rate Certainty Annuity 20
Company social profile:
Product Name
Rate Certainty Annuity 20
Annuity Type
FIA
Issuing Insurance Company and Ratings
American National Insurance Company
Ratings
Product Information
The Rate Certainty Annuity 20® is a Single Premium Deferred Annuity with a 20 year surrender charge period and a MVA provision. Rate Certainty Annuity allows the freedom to allocate funds in a single strategy or participate in all 4 strategies, empowering individuals to meet their unique goals. As plans evolve, Rate Certainty Annuity allows the allocation to different strategies, providing the flexibility needed to stay on track. All index rates are guaranteed at issue.
Key Features
Premium Types: Single
Minimum Premium: $10,000
Maximum Premium: $3,000,000
Free Look Period: 30 Days
Rate Lock Period: 60 Days
Rates
Effective Date: 01/03/2026
Initial Guarantee Period: 20 years
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%
Premium Amount: $10,000 - $3,000,000
Current
20 Year Guarantee Period Annual Yield:
3.40%%
Interest rate start of year 1 through end of year 20:
3.40%%
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 GU NY VI
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : No Wait
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $250
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 50 years old
State Restrictions: Not available in GU NY VI
