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2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Strategy Indexed Annuity (ASIA) PLUS 10 NY

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Highlights

Strategy Indexed Annuity PLUS 10 is a single premium indexed deferred annuity that provides several different interest crediting strategies and participation rates, including fixed and indexed options. This offers a diverse crediting strategy to achieve your client’s goals; all while protecting them from negative economic conditions.
Available in states: NY
Type
Fixed Index
Purpose Accumulation
Term
10 Years
Surrender schedule
9%9%8%7%6%5%4%3%2%1%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
09/01/2015
Minimum contribution
Qualified: $5,000
Non-Qualified: $10,000
Maximum contribution
$3,000,000
Max Age Qualified
80
Types of funds
Non-Qualified, 401k, IRA, Spousal IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, Inherited IRA, and TSP
Brochure
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Find out if the Strategy Indexed Annuity (ASIA) PLUS 10 NY is the right product for you.

Premium Notes

American National 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 Value
The Surrender Value is equal to the Annuity Value minus (1) any applicable Surrender Charge and (2) any applicable federal or state premium taxes.

Surrender Charge Free Withdrawal Privilege
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 RMD if greater, during each contract year without any surrender charges. The minimum withdrawal is $250. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.1% Fixed
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.95% Cap
1-Year S&P 500 PTP Cap with 100% Participation Rate
Point to Point
Annual
100% Participation
6.25% Cap
1-Year S&P 500 PTP Cap with 50% Participation Rate
Point to Point
Annual
50% Participation
7% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
3.75% Performance triggered

Surrender schedule

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

Riders

No Riders for Strategy Indexed Annuity (ASIA) PLUS 10 NY annuity.

Waivers

Terminal Illness

Surrender charges may be waived when the contract owner is diagnosed with an injury or illness that is reasonably expected to result in death in 12 months or less. This special waiver of surrender charges is available to you after issue.

Disability

Prior to age 65, surrender charges may be waived if the contract owner is diagnosed as having a disability. This special waiver of surrender charge is available to you immediately after issue.

Confinement

Surrender charges may be waived when the contract owner is confined to a licensed hospital, licensed convalescent care facility, skilled nursing facility, custodial care facility, or licensed hospice facility for 30 or more days. This special waiver of surrender charge is available to you beginning 90 days after issue. The nursing home waiver does not include home health care.

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