On The Move – January 30, 2024

February 1, 2024 – Effective Date of Change

American National Insurance Company

• Palladium MYG Annuity 5 5,000+  5.20%
• Palladium MYG Annuity 5 100,000+  5.30%
• Palladium MYG Annuity 5 250,000+  5.45%
• Palladium MYG Annuity 6 5,000+  5.20%
• Palladium MYG Annuity 6 100,000+  5.30%
• Palladium MYG Annuity 6 250,000+  5.45%

Clear Spring Life

ViStar 10,000+

• S&P 500 w/ Cap:  Cap 9.500% 
• S&P 500 w/ Participation:  Part Rate 45%
• S&P 500 Sector Rotator Daily RC2 5% Index ER w/ Participation:  Part Rate 175%
• S&P Economic Cycle Factor Rotator Index w/ Participation:  Part Rate 170%
• S&P MARC 5% Excess Return Index w/ Participation:  Part Rate 170%
• Fixed:  Rate: 4.25%

MYGA

• Preserve MYGA 10 10,000+  4.85%
• Preserve MYGA 10 100,000+  5.15%
• Preserve MYGA 3 10,000+  4.65%
• Preserve MYGA 3 100,000+  4.95%
• Preserve MYGA 4 10,000+  4.80%
• Preserve MYGA 4 100,000+  5.10%
• Preserve MYGA 5 10,000+  4.85%
• Preserve MYGA 5 100,000+  5.15%
• Preserve MYGA 6 10,000+  4.85%
• Preserve MYGA 6 100,000+  5.15%
• Preserve MYGA 7 10,000+  4.85%
• Preserve MYGA 7 100,000+  5.15%
• Preserve MYGA 8 10,000+  4.85%
• Preserve MYGA 8 100,000+  5.15%
• Preserve MYGA 9 10,000+  4.85%
• Preserve MYGA 9 100,000+  5.15%

Delaware Life

• Pinnacle Plus MYGA 10 25,000+  4.80%
• Pinnacle Plus MYGA 10 100,000+  5.10%
• Pinnacle Plus MYGA 3 25,000+  4.75%
• Pinnacle Plus MYGA 3 100,000+  5.05%
• Pinnacle Plus MYGA 5 25,000+  4.90%
• Pinnacle Plus MYGA 5 100,000+  5.20%
• Pinnacle Plus MYGA 7 25,000+  4.80%
• Pinnacle Plus MYGA 7 100,000+  5.10%

Oxford Life Insurance Company

Fixed Indexed Annuity

Royal Select 10,000+

• 1 Year Fixed Account Strategy:  Rate: 3.95%
• 1 Year Monthly Average Strategy:  Cap 8.000% 
• 1 Year Annual Point-to-Point Strategy:  Cap 8.000% 

Select 10 10,000+

• 1 Year Fixed Account Strategy :  Rate: 4.75%
• 1 Year S&P 500 Monthly Average :  Cap 9.300% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 9.300% 

Select 3 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 7.850% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 7.850% 
• 1 Year Fixed Account Strategy :  Rate: 4.30%

Select 5 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 8.600% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.600% 
• 1 Year Fixed Account Strategy :  Rate: 4.55%

Select 7 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 8.800% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.800% 
• 1 Year Fixed Account Strategy :  Rate: 4.55%

Silver Select 10,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.650% 
• 1 Year S&P 500 Annual Monthly Average:  Cap 8.650% 
• 1 Year Fixed Account Strategy:  Rate: 4.35%

MYGA

• Multi-Select 10 20,000+  5.35%
• Multi-Select 3 20,000+  4.80%
• Multi-Select 4 20,000+  5.05%
• Multi-Select 5 20,000+  5.00%
• Multi-Select 6 20,000+  5.35%
• Multi-Select 7 20,000+  5.20%
• Multi-Select 8 20,000+  5.45%
• Multi-Select 9 20,000+  5.30%

Royal Neighbors of America

• MYGA 10 Year 10,000+  5.55%
• MYGA 10 Year 100,000+  5.65%
• MYGA 3 Year 10,000+  5.55%
• MYGA 3 Year 100,000+  5.65%
• MYGA 3 Year CA 10,000+  5.45%
• MYGA 3 Year CA 100,000+  5.55%
• MYGA 5 Year 10,000+  5.65%
• MYGA 5 Year 100,000+  5.75%
• MYGA 5 Year CA 10,000+  5.55%
• MYGA 5 Year CA 100,000+  5.65%
• MYGA 9 Year CA 10,000+  5.45%
• MYGA 9 Year CA 100,000+  5.55%

February 5, 2024 – Effective Date of Change

Delaware Life

Fixed Indexed Annuity

Growth Pathway 5 10,000+

• 1 Year S&P 500 Point to Point Cap:  Cap 8.500% 
• 1 Year S&P 500 Point to Point Participation :  Part Rate 50%
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 60%
• 1 Year S&P 500 Performance Trigger:  Cap 7.250% 
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 145%
• 1 Year Fixed Account:  Rate: 4.30%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 155%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 170%
• 1 Year S&P 500 Perfomance Trigger and 5 Year Rate Lock:  Cap 5.800% 
• 1 Year S&P 500 Point to Point Cap and 5 Year Rate Lock:  Cap 7.250% 

Growth Pathway 5 25,000+

• 1 Year S&P 500 Point to Point Cap and 5 Year Rate Lock:  Cap 8.250% 
• 1 Year S&P 500 Perfomance Trigger and 5 Year Rate Lock:  Cap 6.300% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 185%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 165%
• 1 Year Fixed Account:  Rate: 4.60%
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 155%
• 1 Year S&P 500 Performance Trigger:  Cap 8.000% 
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 65%
• 1 Year S&P 500 Point to Point Participation :  Part Rate 55%
• 1 Year S&P 500 Point to Point Cap:  Cap 10.000% 

Growth Pathway 5 100,000+

• 1 Year S&P 500 Point to Point Cap:  Cap 11.000% 
• 1 Year S&P 500 Point to Point Participation :  Part Rate 60%
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 70%
• 1 Year S&P 500 Performance Trigger:  Cap 8.500% 
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 165%
• 1 Year Fixed Account:  Rate: 4.85%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 175%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 195%
• 1 Year S&P 500 Perfomance Trigger and 5 Year Rate Lock:  Cap 6.800% 
• 1 Year S&P 500 Point to Point Cap and 5 Year Rate Lock:  Cap 8.750% 

Growth Pathway 7 10,000+

• 1 Year S&P 500 Point to Point Cap and 7 Year Rate Lock:  Cap 7.500% 
• 1 Year S&P 500 Perfomance Trigger and 7 Year Rate Lock:  Cap 6.000% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 170%
• 1 Year S&P 500 Point to Point Participation :  Part Rate 50%
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 60%
• 1 Year S&P 500 Performance Trigger:  Cap 7.250% 
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 145%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 155%
• 1 Year Fixed Account:  Rate: 4.30%
• 1 Year S&P 500 Point to Point Cap:  Cap 8.750% 

Growth Pathway 7 25,000+

• 1 Year S&P 500 Point to Point Cap:  Cap 10.250% 
• 1 Year Fixed Account:  Rate: 4.60%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 165%
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 155%
• 1 Year S&P 500 Performance Trigger:  Cap 8.000% 
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 65%
• 1 Year S&P 500 Point to Point Participation :  Part Rate 55%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 185%
• 1 Year S&P 500 Perfomance Trigger and 7 Year Rate Lock:  Cap 6.500% 
• 1 Year S&P 500 Point to Point Cap and 7 Year Rate Lock:  Cap 8.500% 

Growth Pathway 7 100,000+

• 1 Year S&P 500 Point to Point Cap and 7 Year Rate Lock:  Cap 9.000% 
• 1 Year S&P 500 Perfomance Trigger and 7 Year Rate Lock:  Cap 7.000% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 195%
• 1 Year S&P 500 Point to Point Participation :  Part Rate 60%
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 70%
• 1 Year S&P 500 Performance Trigger:  Cap 8.500% 
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 165%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 175%
• 1 Year Fixed Account:  Rate: 4.85%
• 1 Year S&P 500 Point to Point Cap:  Cap 11.250% 

Retirement Stages Select 5 25,000+

• 1 Year Fixed Account:  Rate: 4.85%
• 1-Year S&P 500 Point-To-Point with Cap:  Cap 10.000% 
• 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 65%
• 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 160%
• 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 150%
• 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 175%
• 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.250% 

Retirement Stages Select 5 100,000+

• 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.750% 
• 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 185%
• 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 160%
• 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 170%
• 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 70%
• 1-Year S&P 500 Point-To-Point with Cap:  Cap 11.000% 
• 1 Year Fixed Account:  Rate: 5.10%

Retirement Stages Select 7 25,000+

• 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 175%
• 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 65%
• 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.500% 
• 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 160%
• 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 150%
• 1 Year Fixed Account:  Rate: 4.85%
• 1-Year S&P 500 Point-To-Point with Cap:  Cap 10.500% 

Retirement Stages Select 7 100,000+

• 1-Year S&P 500 Point-To-Point with Cap:  Cap 11.500% 
• 1 Year Fixed Account:  Rate: 5.10%
• 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 160%
• 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 170%
• 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 9.000% 
• 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 70%
• 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 185%

Target Growth 10 25,000+

• 1 Year S&P 500 Performance Trigger:  Cap 8.500% 
• 1 Year S&P 500 Point-to-Point w/Participation & Spread:  Spread 2.00%  Part Rate 65%
• 1 Year Fixed Account:  Rate: 5.00%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 170%
• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 10.000% 
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 60%
• 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 160%
• 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 150%

Target Growth 10 100,000+

• 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 165%
• 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 175%
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 65%
• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 12.000% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 185%
• 1 Year Fixed Account:  Rate: 5.25%
• 1 Year S&P 500 Point-to-Point w/Participation & Spread:  Spread 2.00%  Part Rate 75%
• 1 Year S&P 500 Performance Trigger:  Cap 9.250% 

Target Income 10 25,000+

• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 115%
• 1 Year S&P 500 with Cap:  Cap 5.500% 
• 1 Year Fixed Account:  Rate: 3.25%
• 1 Year S&P 500 with Participation:  Part Rate 27%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 105%
• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 105%

Target Income 10 100,000+

• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 120%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 120%
• 1 Year S&P 500 with Participation:  Part Rate 30%
• 1 Year Fixed Account:  Rate: 3.40%
• 1 Year S&P 500 with Cap:  Cap 5.750% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 125%

Target Income 10 500,000+

• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 130%
• 1 Year S&P 500 with Cap:  Cap 6.000% 
• 1 Year Fixed Account:  Rate: 3.50%
• 1 Year S&P 500 with Participation:  Part Rate 32%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 125%
• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 125%

MYGA

• Pinnacle Plus MYGA 10 25,000+  4.80%
• Pinnacle Plus MYGA 10 100,000+  5.10%
• Pinnacle Plus MYGA 3 25,000+  4.75%
• Pinnacle Plus MYGA 3 100,000+  5.05%
• Pinnacle Plus MYGA 5 25,000+  4.90%
• Pinnacle Plus MYGA 5 100,000+  5.20%
• Pinnacle Plus MYGA 7 25,000+  4.80%
• Pinnacle Plus MYGA 7 100,000+  5.10%