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American National Life Insurance Company of NY


Palladium NY (SPIA)


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

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



Premium Bonus
- none -

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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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:   ***** *****

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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 20 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: 12/01/2014
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
Palladium NY (SPIA)
All permitted ages

Related Information

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Century Plus NY
WealthQuest Citadel 5 Diamond
WealthQuest Citadel 7 Diamond
Fixed Indexed Annuity
Strategy Indexed Annuity PLUS 10
Strategy Indexed Annuity PLUS 7

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