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American National Insurance Company


Value Lock 7


A Fixed Indexed Annuity with a 7-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
   Part Rate Part Rate
S&P 500 7 Year Point-to-Point  ***   *** 

State Specified Minimum Interest Rates
AK AL AR AZ CA CO CT DC FL GA HI IA ID IN KS KY LA ME MI MO MS MT NC NE NH NM NV OH OK PA PR RI SC SD TN TX VA WA WI WV ****
WY ****

Premium Bonus
- none -

Policy Notes

The @annuityname@ from @companyname@, is a single premium deferred annuity, offering interest earnings related to the --[ 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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Systematic Withdrawals


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

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MVA Explanation
Verify state availability with carrier

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

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