AMERICAN NATIONAL INSURANCE COMPANY

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					AMERICAN NATIONAL
INSURANCE COMPANY
A+ by AM Best & Co.
AA by Standard & Poor
Over $3 Billion in Capital Surplus
$125 in Assets for every $100 of Liabilities
Consolidated Assets of over $17 Billion
And a Comdex Score of 95!
Fixed Annuities - What’s Next?
   Our Newest EIA – June 15, 2006
We’ve come up with a truly winning formula




  Annual Reset! Riders Galore!
The ANICO Strategy Indexed Annuity
is Coming Your Way . . .
Want to learn about what’s sure to be
the next best indexed annuity?

1.   Clean Simple Design

2.   Strong Guarantees

3. Innovative Riders Not Available on
    any fixed or indexed annuities!
ANICO Strategy Indexed Annuity
Indexed to the S&P 500

 Annual Reset/Point-to-Point, No Averaging
 100% Participation Locked in at Issue
 Annually Declared Cap Rate (Only Moving Part)
 Both an Index Interest & Fixed Interest Acct.
  – Index interest based on S&P 500 Performance
  – Fixed Interest declared annually
  – Can reallocate funds between the two accounts on
    policy anniversary
ANICO Strategy Indexed Annuity
Indexed to the S&P 500

 Issued to ages 0-85 Owner/Annuitant
 Single Premium Product
   – $5,000 Minimum Premium for Non-Qualified
   – $4,000 Minimum Premium for Qualified
 10% Penalty-Free Withdrawals of Annuity Value
  after 1st Yr
 Both a 7 and a 10-yr Surrender (No MVA)
     • 7-yr: 7,7,6,5,4,3,2,0
     • 10 Yr: 9,9,8,7,6,5,4,3,2,1,0
     • Walk-away at end of term
ANICO Strategy Indexed Annuity
Indexed to the S&P 500
 Waiver of Surrender Charges
   – 10% Partials after yr 1
       • Based on full Account Value as of beginning of contract year
       • Includes Indexed Interest Credits
   – Required Minimum Distributions (ALL Yrs)
   – Disability or Confinement in a:
       • Hospital
       • Hospice Facility
       • Convalescent Care Facility
 Death Benefit
   – Paid at the death of the Owner
   – Greater of Full Annuity (Account) Value, including indexed
     earnings up to the date of death OR
   – Surrender Value
ANICO Strategy Indexed Annuity
Indexed to the S&P 500 – Upgrades….
 Innovative (Optional) Riders: Lifetime Income Rider
   – Payments can begin anytime after age 60
   – Guarantees Income for Life Even if the Annuity Value
     Declines to 0!
   – It must be added at issue, but can be dropped anytime!
   – Payment based on highest AV from date payments start
   – Income Benefit is treated like a free partial withdrawal
       • IT CAN BE STOPPED AT ANYTIME!
       • That’s right – the guarantees of a lifetime annuitization with the
         flexibility of systematic withdrawals – You Can’t Beat That!
   – The Cost for the rider is guaranteed at issue for the life of
     the contract
       • Is expected to be .40% of the account value per year
       • Much lower than competing variable products!
ANICO Strategy Indexed Annuity
Indexed to the S&P 500 – Upgrades . . .
 Innovative (Optional) Riders: Enhanced Death Benefit Rider
   – Enhanced Death Benefit Rider – Increases DB by a % of index gains
   – Benefit Varies by Age
       •   Through age 69 = 45%
       •   Ages 70 – 74 = 25%
       •   Ages 75 – 80 = 20%
       •   Ages 81+ = 15%
   – NO UNDERWRITING!
   – Must be added at issue, but can be dropped at anytime
   – Cost is guaranteed for the life of the contract
       • Is anticipated to be .25% of the account value per year
ANICO Strategy Indexed Annuity
Indexed to the S&P 500 – Upgrades . . .

 Totally Innovative Riders: Return of Premium
  Rider
  – Gtd. Min. SV = Initial Premium – Withdrawals
  – Must be added at issue
  – Cannot be Dropped
  – Cost will be a reduction in the declared cap rate
      • Current reduction is .50%
ANICO Strategy Indexed Annuity
Indexed to the S&P 500 – Commissions

 Commissions WITHOUT Trails:
  – ‘ASIA’ 10
    • 8%, Ages 0-75
    • 6.5%, Ages 76-80
    • 5%, Ages 81-85

  – ‘ASIA’ 7
    • 5%, Ages 0-75
    • 4%, Ages 76-80
    • 3%, Ages 81-85
ANICO Strategy Indexed Annuity
Indexed to the S&P 500 – Commissions

 Commissions WITH Trails:
  – ‘ASIA’ 10
     • 5.5%, Ages 0-75
     • 4.0%, Ages 76-80
     • 2.5%, Ages 81-85

  – ‘ASIA’ 7
     • 3%, Ages 0-75
     • 2%, Ages 76-80
     • 1%, Ages 81-85


  – TRAILS = .35% to the writing agent
ANICO Strategy Indexed Annuity
Indexed to the S&P 500 - As of 6/15/06 . . .

 Minimum Guaranteed Surrender Value is
  based on a Minimum Guaranteed Interest
  Rate (MGIR) based on 90% of premium
  – Indexed Interest Account
     • ASIA 10: @ 3.00%
     • ASIA 7: @ 2.65%
  – Fixed Interest Account
     • ASIA 10: @ 3.00%
     • ASIA 7: @ 3.00%
ANICO Strategy Indexed Annuity
Indexed to the S&P 500 – As of 6/15/06 . . .

 Annually Declared Cap Rates Are:
  – ASIA 10 = 7%
  – ASIA 7 = 7.5%


 Fixed Interest Bucket is Crediting:
   – ASIA 10 = 3.75%
   – ASIA 7 = 4.05%
ANICO Strategy Indexed Annuity
Indexed to the S&P 500 – State Approvals

 ASIA Both the 7 and the 10:


  AL, AK, AZ, CO, DE, DC, FL, GA, HI, ID, IL,
   IN, IA, KY, LA, ME, MI, MS, MO, NE, NH,
   NJ, NM, OH, RI, SC, SD, VA, WV, WY
So, be on the look-out for
“ASIA”, the next BEST
So Why Do Business with
American National
Why Do Your Business with
American National?
 Agent Focused Company: Knowledgeable/Friendly Staff
 Additional Support thru Field Support Ctr.
 Innovative ‘Market-Driven’ Approach
 One of the Industry’s Financially Strongest
 Dedicated 1035 Exchange Unit
 Reciprocal Non-Resident Appointments in all but
  10 states for overrides
 Great annuity and life products

OUR SUSTAINABLE COMPETITIVE ADVANTAGE: SERVICE
American National Insurance
Company
                 Thanks for your
                  interest in American
                  National and
                  especially your
                  business!

                 We look forward to a
                  long and profitable
                  relationship with you.

				
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posted:5/27/2012
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