Our annuity calculator shows you how your funds will grow with our guaranteed rates at a glance. Higher contributions unlock rate enhancements for greater growth potential.
See your growth potential at a glance
Choose from 5, 7, or 10 year guarantee periods2
Explore the latest rates
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.
Imagine a future where your finances move forward on a certain course, steadily and predictably. Sounds nice doesn’t it? With a guaranteed interest rate period and options to withdraw your money, MYG Annuities give you flexibility when you need it most.
Take uncertainty out of retirement planning. Lock in competitive rates for 5-10 years3, protecting your principal while earning predictable returns—guaranteed.
With tax-deferred growth, your earnings compound tax-free until withdrawal4. Choose when to take withdrawals for better tax efficiency.
Access up to 10% annually without penalties and set up systematic withdrawals. Manage your account online with 24/7 access.
With an impressive fixed interest rate and the advantage of tax-deferred growth, MYG Annuities are a great way to diversify your portfolio. Check out how they compare to other financial products.
|
Feature |
Our MYG Annuity |
Bank CD |
|---|---|---|
|
Market Risk |
No exposure |
No exposure |
|
Interest Rate |
Guaranteed |
Guaranteed |
|
Taxes |
Tax-deferred until withdrawal4 |
Taxed as earned |
|
Access to Money |
Up to 10% annual penalty-free withdrawals6 |
Penalties may apply |
|
Fees/Charges |
No upfront fees; withdrawals may incur charges7 |
Fees may apply |
|
Financial Protection |
Backed by American National Insurance Company |
FDIC |
|
Feature |
Our MYG Annuity |
Savings Account |
|---|---|---|
|
Market Risk |
No exposure |
No exposure |
|
Interest Rate |
Guaranteed |
Varies by bank |
|
Taxes |
Tax-deferred until withdrawal4 |
Taxed as earned |
|
Access to Money |
Up to 10% annual penalty-free withdrawals6 |
Penalties may apply |
|
Fees/Charges |
No upfront fees: withdrawals may incur charges7 |
Fees may apply |
|
Financial Protection |
Backed by American National Insurance Company |
FDIC |
|
Feature |
Our MYG Annuity |
Bonds |
|---|---|---|
|
Market Risk |
No exposure |
Exposure |
|
Interest Rate |
Guaranteed |
Varies by issuer |
|
Taxes |
Tax-deferred until withdrawal4 |
Taxed as earned5 |
|
Access to Money |
Up to 10% annual penalty-free withdrawals6 |
Penalties may apply |
|
Fees/Charges |
No upfront fees; withdrawals may incur charges7 |
Fees may apply |
|
Financial Protection |
Backed by American National Insurance Company |
Depends on issuer |
It only takes minutes to start growing toward a financially secure future.
Already started? Continue where you left off.
Check out our FAQs or contact us. We’d love to point you in the right direction.
1Rate is as of 03/07/25 and is subject to change. Policy Form Series MYG20; MYGNQ(NY); MYGPQ(NY); AI20 (Forms may vary by state). CA Form: MYG16(04). 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.
