¹Rate is as of 9/01/25 and is subject to change. Policy Form Series MYG24; MYGNQ(NY); MYGPQ(NY); AI20 (Forms may vary by state). Withdrawals may be subject to Federal/State income tax and, if taken prior to age 59½, an additional 10% IRS penalty may apply. Neither the Company nor its agents and representatives can provide tax, legal or accounting advice. Client should consult their own attorney or tax advisor about their specific circumstances. American National Insurance Company, headquartered in Galveston, Texas is licensed to conduct business in all states except New York. Business is conducted in New York by American National Life Insurance Company of New York, headquartered in Glenmont, New York. Each company has financial responsibility only for the products and services it issues. Not a deposit. Not FDIC insured. May lose value.

²At the end of your guarantee period, you can either withdraw all your money without penalty during a special 30-day window, or continue the annuity and earn an annual effective interest rate declared annually on the policy anniversary.

³The Interest Rate Guarantee Periods listed are subject to availability.

⁴Information herein is not intended to be legal or tax advice. You should consult with your own attorney and tax advisor  for your specific circumstance.  Current U.S. tax law provides that earnings from an annuity are taxable only upon withdrawal as ordinary income. Any withdrawals in excess of the surrender free amount are subject to surrender charges or market value adjustments.

⁵Generally taxed annually unless held in a tax-advantaged retirement account. Municipal bonds may be exempt from federal taxes and sometimes state/local taxes.

⁶Penalty-free withdrawals allow up to 10% of the annuity value at the beginning of the year to be withdrawn annually, free of surrender charges. Any withdrawals, including interest-only withdrawals, will reduce the amount of interest credited to your contract. Withdrawals of earnings are subject to income tax. A 10% IRS penalty may be imposed for withdrawals before age 59½.

⁷Surrender charges may apply if withdrawals exceed the annual penalty-free withdrawal limit. Waivers for Confinement, Terminal Illness, and Disability may allow access to money without any surrender charges, any applicable market value adjustments, or excess interest deduction.  Terminal and Confinement Waivers are not available in California.

⁸These ratings are provided to you so that you can make a comparison of American National Insurance Company to other companies. Ratings reflect independent opinions of an insurance organization's financial capacity to meet its insurance policies and contracts' obligations in accordance with their terms. They are based on each rating agency’s quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations. Although the formal rating process typically occurs once a year, rating modifications can be made at any time.

⁹A.M. Best Company, independent analysts of the insurance industry since 1899, assigns annual ratings after an extensive analysis using a series of profitability, leverage and liquidity tests that measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments, and capital sufficiency.

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A.M Best’s active company rating scale ranges from A++ (Superior) to D (Poor).

¹⁰Please see the Fitch Ratings website for more information on credit rating categories.

¹¹Standard & Poor's Financial Services LLC, provides independent financial information, analytical services, and credit ratings to the world's financial markets. For more information on Standard & Poor's rating of American National Insurance Company and related operating companies, view the ratings report above.

Standard & Poor’s active company rating scale ranges from AAA (Extremely Strong) to CC (Extremely Weak). Plus (+) or minus (-) modifiers show the relative standing within the categories from AA to CCC.