--- title: On The Move - January 30, 2024 - Insurance Agency Marketing Services description: Rates changing! 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[AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # 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% #### Author:Webmaster [Next Exploring Behavioral Finance Bias](https://blog.iamsinc.com/exploring-behavioral-finance-bias) [Previous We’re Just Getting Started](https://blog.iamsinc.com/were-just-getting-started) ### Recent Posts ### Insurance Agency Marketing Services, Inc. 505 North 210th Street, Elkhorn, NE 68022 (800) 255-5055 (402) 330-7296 [contact@iamsinc.com](mailto:contact@iamsinc.com) ### Marketing Corner ### Our Location ### Follow us Find us on: [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [YouTube](https://www.youtube.com/user/IAMSinc) [Linkedin](https://www.linkedin.com/company/insurance-agency-marketing/) Search: ©2025 Insurance Agency Marketing Services, Inc. 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