On The Move – May 13, 2025

May 14, 2025 – Effective Date of Change

American National Insurance Company

MYGA

• Palladium Match MYG Annuity 3 5,000+  4.60%
• Palladium Match MYG Annuity 3 100,000+  4.70%
• Palladium Match MYG Annuity 3 250,000+  4.85%
• Palladium Match MYG Annuity 5 5,000+  5.05%
• Palladium Match MYG Annuity 5 100,000+  5.15%
• Palladium Match MYG Annuity 5 250,000+  5.30%
• Palladium Match MYG Annuity 7 5,000+  5.10%
• Palladium Match MYG Annuity 7 100,000+  5.20%
• Palladium Match MYG Annuity 7 250,000+  5.35%
• Palladium MYG Annuity 10 5,000+  5.05%
• Palladium MYG Annuity 10 100,000+  5.15%
• Palladium MYG Annuity 10 250,000+  5.30%
• Palladium MYG Annuity 3 5,000+  4.70%
• Palladium MYG Annuity 3 100,000+  4.80%
• Palladium MYG Annuity 3 250,000+  4.95%
• Palladium MYG Annuity 5 5,000+  5.15%
• Palladium MYG Annuity 5 100,000+  5.25%
• Palladium MYG Annuity 5 250,000+  5.40%
• Palladium MYG Annuity 6 5,000+  5.27% w/ 5.00% Bonus
• Palladium MYG Annuity 6 100,000+  5.37% w/ 5.00% Bonus
• Palladium MYG Annuity 6 250,000+  5.52% w/ 5.00% Bonus
• Palladium MYG Annuity 7 5,000+  5.20%
• Palladium MYG Annuity 7 100,000+  5.30%
• Palladium MYG Annuity 7 250,000+  5.45%
• Palladium MYG Annuity 8 5,000+  5.05%
• Palladium MYG Annuity 8 100,000+  5.15%
• Palladium MYG Annuity 8 250,000+  5.30%
• Palladium MYG Annuity 9 5,000+  5.05%
• Palladium MYG Annuity 9 100,000+  5.15%
• Palladium MYG Annuity 9 250,000+  5.30%

Oceanview Life and Annuity

Fixed Indexed Annuity

Harbourview FIA 10 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7% 
• 1 Year Fixed Rate Account:  Rate: 4%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 14% 

Harbourview FIA 10 CA 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Rate Account:  Rate: 4%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%

Harbourview FIA 3 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 60%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 75%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 4%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 6.75% 

Harbourview FIA 3 CA 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 4%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%

Harbourview FIA 5 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.25% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 1 Year Fixed Account:  Rate: 4%

Harbourview FIA 5 CA 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Account:  Rate: 4%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%

Harbourview FIA 7 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 12% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6% 
• 1 Year Fixed Account:  Rate: 4%

Harbourview FIA 7 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Account:  Rate: 4%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80%

May 15, 2025 – Effective Date of Change

Athene IA

MYGA

• Athene Max Rate 3 10,000+  4.40%
• Athene Max Rate 3 100,000+  4.65%
• Athene Max Rate 3 (state specific) 10,000+  4.40%
• Athene Max Rate 3 (state specific) 100,000+  4.65%
• Athene Max Rate 5 10,000+  4.85%
• Athene Max Rate 5 100,000+  5.10%
• Athene Max Rate 5 (state specific) 10,000+  4.80%
• Athene Max Rate 5 (state specific) 100,000+  5.05%
• Athene Max Rate 7 10,000+  4.85%
• Athene Max Rate 7 100,000+  5.10%
• Athene Max Rate 7 (state specific) 10,000+  4.80%
• Athene Max Rate 7 (state specific) 100,000+  5.05%
• Athene MYG 3 5,000+  4.20%
• Athene MYG 3 100,000+  4.45%
• Athene MYG 3 MVA 5,000+  4.30%
• Athene MYG 3 MVA 100,000+  4.55%
• Athene MYG 3 ROP 5,000+  4.10%
• Athene MYG 3 ROP 100,000+  4.40%
• Athene MYG 5 5,000+  4.65%
• Athene MYG 5 100,000+  4.90%
• Athene MYG 5 MVA 5,000+  4.75%
• Athene MYG 5 MVA 100,000+  5.00%
• Athene MYG 5 ROP 5,000+  4.60%
• Athene MYG 5 ROP 100,000+  4.85%
• Athene MYG 7 5,000+  4.65%
• Athene MYG 7 100,000+  4.90%
• Athene MYG 7 MVA 5,000+  4.75%
• Athene MYG 7 MVA 100,000+  5.00%
• Athene MYG 7 ROP 5,000+  4.60%
• Athene MYG 7 ROP 100,000+  4.85%