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American National Insurance Company

Palladium (SPIA)

A SPIA
This product is not available in *** *** *** *** *** *** *** *** ***

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

Policy Notes

Palladium Immediate Annuity can provide a steady stream of income payments to meet current income needs. The amount of income is determined by the single premium you c --[ 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:		*****	*****
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Payout Options

Life Options
Life Only for:	Single & Joint
Installment Refund:	Yes
Cash Refund:	Yes
Survivor Benefit:	50% 60% 66.6% 75% 100%

Period Certain Options
Period Certain Terms:	5 to 30 Years
Survivor Benefit:	50% 60% 66.6% 75% 100%

Life Plus Period Certain
Life plus Certain:	Joint Only
Life +Certain Terms:	5 to 20 Years

Systematic Withdrawals

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

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Commissions
Effective date of commission schedule: 10/01/2011
Commissions are ***** *** * *** * *** * ** ***** ***.