Product Information
Company name: American National
Production date:
Production score: 82.00
Product type: wlti
Income base annual return: 7.20
Income base bonus: 0.00
Surrender period: 10
Product rider fee: 1.00
Product payout ratio: 5.00
Free Withdrawal: 10.00
Index A S&P500 One Year Total Sum
Recent 10 years return on base:
7.20
Recent 10 years return value:
5.58
Best 10 years return on value:
6.24
Best 10 years return on value:
6.24
Worst 10 years return on value:
0.94
Index B S&P 500 One Year Point to Point at 50% Participation
Recent 10 years return on base:
7.20
Recent 10 years return value:
3.85
Best 10 years return on value:
4.38
Best 10 years return on value:
4.38
Worst 10 years return on value:
2.10
Product notes FPDA
Product notes for rider:
Your Total Income Base is the greater of your contract’s Annuity Value on the date you desire to start taking Income Withdrawals OR the sum of the Initial Premium Income Base, earning a fixed rate of 6.00% interest compounded daily plus index crediting through the contract’s 10 year anniversary, and Renewal Premium Income Base, which is based off flexible premiums applied through the contract’s 10 year anniversary and earns no compound interest, adjusted by any Excess Withdrawals that are taken. A Rider Premium Enhancement Percentage of 0.00% is included in the Initial Premium Income Base. The Total Income Base will be adjusted downward if you take Excess Withdrawals in addition to your Income Withdrawals. When the Income Base is adjusted downward, the Income Withdrawals must also be recalculated, resulting in a lower Income Withdrawal Amount.
Product notes for base:
$364554 at 57, $200000 at 47
Product notes payout ratio:
Single: 3.5% at 50; 4% at 55; 5% at 65;… 7.5%, 90+. Payout increases 0.10% at every attained age until age 90. Source: Crump