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Palladium Century Annuity Series
(Form FPDA04-NQ, FPDA04-PQ, SPDA04-NQ, SPDA04-PQ )

Are you looking for a safe and secure way to create and preserve wealth for a comfortable retirement?

The Palladium Century Annuity Series from American National Insurance Company could be your answer.

Here are just a few of Palladium Century's features

Competitive interest earnings. You can choose from five different plans, each offering a different first-year interest rate. Your annuity will earn interest at a rate that will never fall below the plan's guaranteed interest rate.

Tax advantages. A deferred annuity earns interest on a tax-deferred basis. Tax deferral puts you in control of your tax situation. You select when you want take income and pay taxes. If you so choose, you can reinvest your interest and defer paying taxes on the interest. If you want the income now, you can receive monthly checks that are equal to the accrued interest, or you can receive a fixed amount. You pay taxes only on the amount of income you withdraw. You can take the income now or later — it's your choice.

Liquidity. You never know when you are going to need some of your money. You will be able to withdraw money from your annuity at any time. Tax deferral puts you in charge of your income and taxes. Withdrawals are subject to applicable surrender charges, market value adjustments, or excess interest deductions, if any during the contract's early years. Withdrawals taken before age 59 1/2 may incur a 10% tax penalty.

Lifetime income. You may someday elect to "annualize" your contract and begin receiving a guaranteed regular income for as long as you live (or for another predetermined length of time.)

Palladium Century Annuity Series Facts at a Glance

Palladium Century

• Maximum Issue Age (annuitant and owner) — 90
• Minimum Initial Premium — $100
• Limit on Renewal Premium — Not to exceed first-year premium each year; no premium after seven years
• Guaranteed Minimum Interest Rate — Varies by state
• Surrender Charges — Starting with year one: 9%, 8%, 7%, 6%, 5%, 4%, 2%

Palladium Century 1

• Maximum Issue Age (annuitant and owner) — 90
• Minimum Initial Premium — $5,000 NQ, $4000 PQ
  (additional premium may be paid in first year)
• Guaranteed Minimum Interest Rate — Varies by state
• Surrender Charges — Starting with year one: 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%
• First-year Interest Rate Enhancement — 1%

Palladium Century 3

• Maximum Issue Age (annuitant and owner) — 85
• Minimum Initial Premium — $5,000 NQ, $4000 PQ
  (additional premium may be paid in first year)
• Guaranteed Minimum Interest Rate — Varies by state
• Surrender Charges — Starting with year one: 11%, 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%
• First-year Interest Rate Enhancement — 3%

Palladium Century 5

• Maximum Issue Age (annuitant and owner) — 80
• Minimum Initial Premium — $5,000 NQ, $4000 PQ
  (additional premium may be paid in first year)
• Guaranteed Minimum Interest Rate — Varies by state
• Surrender Charges — Starting with year one: 12%, 12%, 11%, 10%, 9%, 8%, 6%, 4%, 3%, 2%
• First-year Interest Rate Enhancement — 5%

Palladium Century 7

• Maximum Issue Age (annuitant and owner) — 80
• Minimum Initial Premium — $5,000 NQ, $4000 PQ
  (additional premium may be paid in first year)
• Guaranteed Minimum Interest Rate — Varies by state
• Surrender Charges — Starting with year one: 12%, 12%, 11%, 11%, 10%, 9%, 8%, 6%, 4%, 2%
• First-year Interest Rate Enhancement — 7%

Yours for Life

The Palladium Century Annuity Series offer a variety of options to assist you with life's challenges and unexpected changes.

Systematic withdrawals. Systematic withdrawals are available for either interest-only payments or fixed amount payments, for totals not exceeding 10% of the annuity value as of the beginning of that contract year. Withdrawals of this type will not incur surrender charges, market value adjustment and/or excess interest deduction. The minimum amount that may be withdrawn is $50 for those with direct deposit, or $100 if you elect to receive a check.

Partial surrenders. The minimum amount for partial surrender is $250. There is no surrender charge if the cumulative partial surrender amount year-to-date is less than 10% of your annuity value as of the beginning of at that contract year. Surrender charges and market value adjustments or excess interest deductions will be applied for partial surrender amounts greater than this value.

Two surrender charge waivers. Confinement and disability waivers may not be available in all states, and restrictions apply. See annuity contract for details.

Death benefit. Upon the death of the owner, the death benefit will be the greater of the annuity value or surrender value.

Information and Tax Notes

Information herein is not intended to be legal or tax advice. You should consult with your own attorney and tax advisor for specific circumstances. Annuities have limitations. For costs and details of the annuity, call your insurance agent or the company.

Neither American National Insurance Company nor its agents gives legal, tax or accounting advice.

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company (ANPAC®), Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.