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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Strategy Indexed Annuity (ASIA) PLUS 10

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Highlights

The Strategy Indexed Annuity PLUS 10 is A flexible premium indexed annuity with five crediting strategies available and an option for a lifetime income.
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Lifetime Income
Premium Bonus
1%
Term
10 Years
Surrender schedule
10%9%8%7%6%5%4%3%2%1%
Free withdrawal
10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
05/08/2013
Minimum contribution
Qualified: $5,000
Non-Qualified: $10,000
Maximum contribution
$3,000,000
Max Age Qualified
80
Types of funds
Non-Qualified, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, Inherited IRA, and TSP
Brochure
Open brochure

Find out if the Strategy Indexed Annuity (ASIA) PLUS 10 is the right product for you.

Premium Notes

Initial Minimum Premium 
  • Q $5,000 
  • NQ $10,000 
Maximum Premium 
  • $3,000,000 
Minimum Subsequent Premium:
$100 monthly with EFT
($300 quarterly, $600 semi-annually, $1,200 annual, $1,000 for non-EFT.) Not available in NJ.

Note:
We will accept the following Inherited IRA: 
  • Non-Spouse ONLY if the original owner passed away prior to 01/01/2020. 
  • If the DOD is on or after 01/01/2020 we will only accept Spousal Inherited IRAs. 

Withdrawal Provisions

Surrender Charge Free Withdrawals
After the contract is issued, you can withdraw up to 10% of your Annuity Value as of the beginning of the contract year, or the Minimum Required Distribution if greater, during each contract year without any surrender charges.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.5% Fixed
1-Year Nasdaq-100 PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year S&P 500 PTP Participation Rate Uncapped
Point to Point
Annual
50% Participation
1-Year S&P 500 PTP Cap with 100% Participation Rate
Point to Point
Annual
100% Participation
10% Cap
1-Year S&P 500 PTP Cap with 50% Participation Rate
Point to Point
Annual
50% Participation
15% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3.15% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
6.5% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Riders

Name Inbuilt Fee
Lifetime Income Rider with Fixed Rate No 1.10% annually
Lifetime Income Rider with Fixed Rate Plus Index Credit No 0.80% annually

Waivers

Terminal Illness

Unavailable in states: CA, CT, and FL

Surrender charges and MVA may be waived if the contract owner is diagnosed with an injury or illness expected to result in death within 12 months. Available after issue. American National requires proof of terminal illness- a written certification of terminal illness prepared by a licensed physician who has examined the owner(s) and is qualified to provide the certification.

Disability

Unavailable in states: CT

Prior to age 65, surrender charges and MVA may be waived if the contract owner is physically disabled, or diagnosed with a disabling terminal illness.

Confinement

Unavailable in states: CA, CT, and MA

Surrender charges and MVA may be waived if the contract owner is confined to a licensed hospital, licensed convalescent care facility, skilled nursing facility, custodial care facility, or licensed hospice facility or more days. Available 90 days after issue. You must be 80 years old or younger on the date of issue. The nursing home waiver does not include home health care.

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