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American National Insurance (Legacy)

BenchMark Reliance Extra 4

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

Guaranteed One Year (Rate guaranteed for 1 Year)	.* % +.% Bonus	.* %
Guaranteed One Year Current Market (Rate guaranteed for 1 Year)	.* % +.% Bonus	.* %
Index 10 Year Treasury (Rate guaranteed for 1 Year)	.* % +.% Bonus	.* %
Index Corporate Bond (Rate guaranteed for 1 Year)	.* % +.% Bonus	.* %

State Specified Minimum Interest Rates
AR AZ CA CO DC DE GA HI IA ID IL IN KS KY LA MA MD ME MI MO MT ND NE NH NJ NM OH OK PA RI SC SD TN VA VT WI WV WY	****
FL MS	****

Premium Bonus
- none -

Policy Notes

A fixed annuity offering 4 "Cash Value Stratigies" based on different f --[ 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

This strategy --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 07/01/2012
Commissions are ***** *** * *** * *** * ** ***** ***.