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Product Details
WealthQuest Citadel 5 Diamond NY
Company social profile:
Product Name
WealthQuest Citadel 5 Diamond NY
Annuity Type
FA
Issuing Insurance Company and Ratings
American National Life Insurance Company of NY
Ratings
Product Information
The American National Life Insurance Company of NY’s WealthQuest Citadel 5 Diamond NY is a Single Premium Deferred Annuity with a 2-Year interest rate guarantee and a 5-Year surrender charge period with a Return of Premium feature.
Key Features
Premium Types: 1st Year or Less
Minimum Premium: $5,000
Maximum Premium: $3,000,000
Free Look Period: 30 Days
Rate Lock Period: 60 Days
Rates
Effective Date: 01/03/2026
Initial Guarantee Period: 2 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: $100,000+
Current
2 Year Guarantee Period Annual Yield:
3.10%%
Interest rate start of year 1 through end of year 2:
3.10%%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
2 Year Guarantee Period Annual Yield:
3.00%%
Interest rate start of year 1 through end of year 2:
3.00%%
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
Only available in NY
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 : $5,000
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): 85 years old
State Restrictions: Only available in NY
