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American National Insurance Company

Strategy Indexed Annuity PLUS 10 NJ

(RETIRED)

A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

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

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
	Cap	Part Rate	Cap	Part Rate
1 Year S&P 500 Annual Point-to-Point 50% PR	***	***	***	***
1 Year S&P 500 Annual Point-to-Point Uncapped PR	***	***	***	***
1 Year S&P 500 Annual Point-to-Point With 100% PR	***	***	***	***
1 Year S&P 500 Monthly Point-to-Point	***	***	***	***
1 Year S&P 500 Performance with a Specified Rate	Trigger: 3.50			***	***	***
1 Year Declared Rate (Rate guaranteed for 1 Year)	.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
Year:	1
Bonus Rate:	****

Policy Notes

The @annuit --[ subscription required to view full text ]--
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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:	******	******

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

Systematic Withdrawals

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

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

State Specific Notes

P to P Segment - 1 Y --[ subscription required to view full text ]--
* ** * ******* - * ** **** **, **, **

MVA Explanation

A Market Value Adjustmen --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 02/01/2020
Commissions are ***** *** * *** * *** * ** ***** ***.

Strategy Indexed Annuity PLUS 10 NJ

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Initial Premium:

****

Accumulation Value:

****

Ages 76+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Initial Premium:

****

Accumulation Value:

****

Trail Option

Strategy Indexed Annuity PLUS 10 NJ

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Initial Premium:

****

Accumulation Value:

****

Trail:

Trail years ***+ is *****

Ages 76-80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Initial Premium:

****

Accumulation Value:

****

Trail:

Trail years ***+ is *****

Related Information

Available Subscriptions

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Additional Information

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