On The Move – March 4, 2025

March 5, 2025 – Effective Date of Change

American National Insurance Company

Fixed Annuity

• Wealth Quest Citadel 5 Diamond 5,000+  4.25% w/ 1.00% Bonus
• Wealth Quest Citadel 5 Diamond 100,000+  4.35% w/ 1.00% Bonus
• Wealth Quest Citadel 7 Diamond 5,000+  4.38% w/ 2.00% Bonus
• Wealth Quest Citadel 7 Diamond 100,000+  4.48% w/ 2.00% Bonus

Fixed Indexed Annuity

Rate Certainty Annuity 10 10,000+

• Declared Rate:  Rate: 3.8%
• 1 Year S&P 500 Dynamic Intraday TCA Index Protected Performance Trigger:  Cap 5.8%  Floor 2% 
• 1 Year S&P 500 Dynamic Intraday TCA Index Performance Trigger:  Cap 7.8% 
• 1 Year S&P 500 Dynamic Intraday TCA Index Enhanced Performance Trigger :  Cap 9.4% 

Rate Certainty Annuity 20 10,000+

• Declared Rate:  Rate: 3.7%
• 1 Year S&P 500 Dynamic Intraday TCA Index Protected Performance Trigger:  Cap 5.7%  Floor 2% 
• 1 Year S&P 500 Dynamic Intraday TCA Index Performance Trigger:  Cap 8.2% 
• 1 Year S&P 500 Dynamic Intraday TCA Index Enhanced Performance Trigger :  Cap 9.7% 

Rate Certainty Annuity 7 10,000+

• Declared Rate:  Rate: 3.8%
• 1 Year S&P 500 Dynamic Intraday TCA Index Protected Performance Trigger:  Cap 5.8%  Floor 2% 
• 1 Year S&P 500 Dynamic Intraday TCA Index Performance Trigger:  Cap 7.55% 
• 1 Year S&P 500 Dynamic Intraday TCA Index Enhanced Performance Trigger :  Cap 9% 

Strategy Indexed Annuity PLUS 10 10,000+

• 1 Year S&P 500 Annual Point-to-Point With 100% PR:  Cap 9%  Part Rate 100%
• 1 Year S&P 500 Annual Point-to-Point Uncapped PR:  Part Rate 38%
• 1 Year Declared Rate:  Rate: 4%
• 1 Year S&P MARC 5% ER Low Volatility Participation:  Part Rate 135%
• 1 Year Nasdaq 100 – Growth Cap 100% Participation Cap:  Cap 9%  Part Rate 100%
• BNPP Patriot Technologies Participation:  Part Rate 135%

Strategy Indexed Annuity PLUS 7 10,000+

• 1 Year S&P MARC 5% ER Low Volatility Participation:  Part Rate 120%
• 1 Year Nasdaq 100 – Growth Cap 100% Participation Cap:  Cap 6%  Part Rate 100%
• 1 Year S&P 500 Annual Point-to-Point with 100% PR:  Cap 6%  Part Rate 100%
• 1 Year S&P 500 Annual Point-to-Point Uncapped PR:  Part Rate 30%
• 1 Year Declared Rate:  Rate: 3%

MYGA

• Palladium Match MYG Annuity 3 5,000+  4.75%
• Palladium Match MYG Annuity 3 100,000+  4.85%
• Palladium Match MYG Annuity 3 250,000+  5.00%
• Palladium Match MYG Annuity 5 5,000+  5.00%
• Palladium Match MYG Annuity 5 100,000+  5.10%
• Palladium Match MYG Annuity 5 250,000+  5.25%
• Palladium Match MYG Annuity 7 5,000+  5.15%
• Palladium Match MYG Annuity 7 100,000+  5.25%
• Palladium Match MYG Annuity 7 250,000+  5.40%
• Palladium MYG Annuity 10 5,000+  4.80%
• Palladium MYG Annuity 10 100,000+  4.90%
• Palladium MYG Annuity 10 250,000+  5.05%
• Palladium MYG Annuity 3 5,000+  4.75%
• Palladium MYG Annuity 3 100,000+  4.85%
• Palladium MYG Annuity 3 250,000+  5.00%
• Palladium MYG Annuity 5 5,000+  5.10%
• Palladium MYG Annuity 5 100,000+  5.20%
• Palladium MYG Annuity 5 250,000+  5.35%
• Palladium MYG Annuity 6 5,000+  5.32% w/ 5.00% Bonus
• Palladium MYG Annuity 6 100,000+  5.42% w/ 5.00% Bonus
• Palladium MYG Annuity 6 250,000+  5.57% 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+  4.80%
• Palladium MYG Annuity 8 100,000+  4.90%
• Palladium MYG Annuity 8 250,000+  5.05%
• Palladium MYG Annuity 9 5,000+  4.80%
• Palladium MYG Annuity 9 100,000+  4.90%
• Palladium MYG Annuity 9 250,000+  5.05%

EquiTrust Life Insurance Company

Fixed Indexed Annuity

Bridge Annuity 50,000+

• 1-Year Interest:  Rate: 4.5%
• S&P 500 1-Year Point-to-Point Cap:  Cap 8% 
• S&P 500 1-Year Point-to-Point Participation:  Part Rate 45%
• S&P 500 1-Year Monthly Average Participation:  Part Rate 80%
• Focus50 1-Year Point-to-Point Participation:  Part Rate 145%
• MARC 5% 1-Year Point-to-Point Participation:  Part Rate 170%

Market Power Bonus Index 10,000+

• 1-Year S&P 500 Pt-to-Pt Performance Trigger:  Cap 5% 
• 1-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par:  Part Rate 50%
• 1-Year S&P MARC 5% ER Point to Point Participation:  Part Rate 140%
• 1 Year S&P 500 Monthly Average Participation Index Account:  Part Rate 65%
• 1-Year S&P 500 Monthly Cap Index Account:  Cap 1.75% 
• 1-Year Barclays Focus50 Participation Index Account:  Part Rate 125%
• 1-Year Interest Account:  Rate: 3.25%
• 1-Year S&P 500 Point-to-Point Cap Index Account:  Cap 6% 
• 1-Year S&P 500 Point-to-Point Cap Index Account with Buy Up:  Cap 8% 
• 1-Year S&P 500 Point-to-Point Par Index Account with Buy Up:  Part Rate 50%
• 2-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par :  Part Rate 70%

Market Ten Bonus Index 10,000+

• 1-Year S&P 500 Point-to-Point Cap Index Account with Buy Up:  Cap 8% 
• 1-Year S&P 500 Point-to-Point Par Index Account with Buy Up:  Part Rate 50%
• 2-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par :  Part Rate 70%
• 1-Year Barclays Focus50 Participation Index Account:  Part Rate 125%
• 1-Year Interest Account:  Rate: 3.25%
• 1-Year S&P 500 Monthly Average Participation Index Account:  Part Rate 65%
• 1-Year S&P 500 Monthly Cap Index Account:  Cap 1.75% 
• 1-Year S&P 500 Point-to-Point Cap Index Account:  Cap 6% 
• 1-Year S&P MARC 5% ER Point to Point Participation :  Part Rate 140%
• 1-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par:  Part Rate 50%
• 1-Year S&P 500 Pt-to-Pt Performance Trigger:  Cap 5% 

Market Value Index 10,000+

• 1-Year S&P 500 Monthly Cap Index Account:  Cap 2.15% 
• 1-Year S&P 500 Monthly Average Participation Index Account:  Part Rate 80%
• 1-Year S&P 500 MARC5 Participation Index Account:  Part Rate 190%
• 1-Year Barclays Focus50 Participation Index Account:  Part Rate 170%
• 1-Year S&P 500 Point-to-Point Cap Index Account:  Cap 8% 
• 1-Year Fixed Interest Account:  Rate: 4.5%
• 2-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par :  Part Rate 95%
• 1-Year S&P 500 Point-to-Point Cap Index Account with Buy Up:  Cap 10.5% 
• 1-Year S&P 500 Point-to-Point Par Index Account with Buy Up:  Part Rate 65%
• 1-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par:  Part Rate 70%
• 1-Year S&P 500 Pt-to-Pt Performance Trigger:  Cap 7% 

MarketFive Index 10,000+

• 1-Year S&P 500 Point-to-Point Cap Index Account with Buy Up:  Cap 10% 
• 1-Year S&P 500 Point-to-Point Par Index Account with Buy Up:  Part Rate 60%
• 2-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par :  Part Rate 90%
• 1-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par:  Part Rate 65%
• 1-Year S&P 500 Pt-to-Pt Performance Trigger:  Cap 6.5% 
• 1-Year Interest Account:  Rate: 4.25%
• 1-Year S&P 500 Point-to-Point Cap Index Account:  Cap 7.5% 
• 1-Year S&P 500 Monthly Cap Index Account :  Cap 2% 
• 1-Year Barclays Focus50 Participation Index Account:  Part Rate 160%
• 1-Year S&P 500 MARC5 Participation Index Account:  Part Rate 180%
• 1-Year S&P 500 Monthly Average Participation Index Account :  Part Rate 75%

MarketSeven Index 10,000+

• 1-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par:  Part Rate 70%
• 1-Year S&P 500 Pt-to-Pt Performance Trigger:  Cap 7% 
• 1-Year Barclays Focus50 Participation Index Account:  Part Rate 170%
• 1-Year S&P 500 MARC5 Participation Index Account:  Part Rate 190%
• 1-Year S&P 500 Point-to-Point Cap Index Account:  Cap 8% 
• 1-Year Interest Account:  Rate: 4.5%
• 1-Year S&P 500 Monthly Average Participation Index Account :  Part Rate 80%
• 1-Year S&P 500 Monthly Cap Index Account :  Cap 2.15% 
• 1-Year S&P 500 Point-to-Point Cap Index Account with Buy Up:  Cap 10.5% 
• 1-Year S&P 500 Point-to-Point Par Index Account with Buy Up:  Part Rate 65%
• 2-Year S&P 500 Dynamic Intraday TCA Pt-to-Pt Par :  Part Rate 95%