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American National Insurance Company

Palladium Advisor

(RETIRED)

A Fixed Annuity with a -year fixed rate and a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A		Standard & Poor's: A

Rates
Surrender charges last 7 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

Premium Bonus
- none -

Policy Notes

The @annuityName@ is a single premium deferred annuity which will acce --[ subscription required to view full text ]--
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Product Riders
No Riders Available

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Ages Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

Issue Ages for Owner --[ subscription required to view full text ]--
***** **** *** ***** *** *********
** *-**, ** *-**, ** *-**

** ***** ****** ***** ** **, ** *** **.

MVA Explanation
Not available in MN OR PA

A Market Value Adjustm --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 08/01/2012
Commissions are ***** *** * *** * *** * ** ***** ***.

Non-Qualified

Palladium Advisor

Up to age 79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Trail:

****

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Trail:

****

Qualified

Palladium Advisor

Up to age 79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

****

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

****

Related Information

Available Subscriptions

This information is available with any of these subscriptions:

Single-User Edition

An affordable, full access subscription, for the individual broker

Office Edition

Multiple users with administrative control over the products, features and content displayed

Web Edition

Put our product grids, detail and tools on your website instantly!

Web Edition -Retailers

A special edition for retailers, just the right amount of information for the consumer, plus the ability collect and manage leads.

Additional Information

See what else we offer:

Upcoming Rate Changes

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