American National's WealthQuest Citadel 7 Diamond Annuity Products

Overview
Flexible premium.  May include a first year interest rate enhancement. 10% surrender charge free withdrawals each contract year. 7 year surrender period.

PRINCIPAL GUARANTEE FEATURE
The Minimum Guaranteed Surrender Value is return of premiums paid less any cumulative withdrawals.

INTEREST RATE ENHANCEMENT
American National may offer an interest rate enhancement on all premium payments received in the first 36 months of the contract for one year. This enhancement is not guaranteed and is subject to change.

INTEREST RATE GUARANTEE
The declared annual effective interest rate for the initial premium and each subsequent premium payment will be guaranteed for two years from the date the premium payment is received. After two years, the interest rate is declared annually.

MINIMUM GUARANTEED INTEREST RATE:
NAIC Index. See rate sheet for current rate.

RATE LOCK:
60 days for 1035 Exchanges, CD Rollovers, Mutual Fund Transfers and Institutional Transfers

SURRENDER CHARGE SCHEDULE:
Year 1 2 3 4 5 6 7 8+ 
%     7 7 7 6 5 4 2 0 

SURRENDER CHARGE FREE WITHDRAWALS
10% of annuity value as of the beginning of each contract year, including first year

SURRENDER CHARGE WAIVERS*

• Confinement
• Disability                                                                                                                                         *Availability will vary by state