Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what ASIA Plus would do for you
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$179,317
Est. value at age 80 (ASIA Plus)
6.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 50% participation · 7% cap (Annual)
✦
How crediting works: the 50% participation is applied to positive index returns before the 7% cap; a down year credits 0%, never a loss. A 50% participation · 7% cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies ASIA Plus's published 50% participation rate before its 7% cap on S&P 500 Index to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.
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See how ASIA Plus compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this American National Life Insurance Company product.
Live product data
Rates as of July 17, 2026, from AdvisorWorld and CANNEX.
S&P 500 annual point-to-point cap
6.25% cap on S&P 500
American National's New York-only fixed indexed annuity — a ten-year accumulation contract from an A-rated carrier built around plain S&P 500 cap exposure and a one-year declared-rate fixed account, with no income rider and no Protected Income Value mechanism attached.
1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data
Best fit
New York residents who want accumulation-focused FIA exposure to the S&P 500 from an A-rated carrier, can commit to a ten-year deferral, and value a clean strategy menu built on a recognizable benchmark and a plain fixed account over proprietary volatility-controlled index options.
AM Best
A Excellent
Surrender options
7 and 10 years
Free withdrawal
10%/yr
Availability
New York only
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
4.8% cap rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
5.1% cap rate + 50% participation rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
monthly sum cap
1.4% cap rate
Monthly sum
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
6.25% cap rate
Annual cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7% cap rate + 50% participation rate
Annual cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
monthly sum cap
1.95% cap rate
Monthly sum
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
3.25% trigger rate
Performance trigger
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
3.75% trigger rate
Performance trigger
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
3% declared rate
Fixed account
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
3.1% declared rate
Fixed account
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Product analyst notes
How to think about this contract
Why it can stand out
Filed in New York only — this is the New York-specific filing of American National's indexed annuity. Residents of every other state see the sibling national filing, Strategy Indexed Plus 10, which carries the same ten-year surrender ladder.
Crediting menu is built around the S&P 500 — buyers can choose between a full-participation annual cap, a partial-participation annual cap with a higher cap rate, an annual point-to-point with a declared rate floor, and a monthly-sum cap, plus a one-year declared-rate fixed account. Every strategy is on a recognizable benchmark or a plain fixed rate, with no proprietary volatility-controlled indexes to evaluate.
Free-withdrawal allowance, the full ten-year surrender ladder, and the nursing-home, RMD, and terminal-illness waivers are all visible on this page rather than buried in a brochure.
Issued by an A-rated carrier (A.M. Best) with a guaranteed minimum cap floor built into the contract — the regulatory backstop on how low the cap can be reset in future years is published, not left to discretion.
What to confirm
This contract is NOT an income product. There is no guaranteed-lifetime-withdrawal rider on the live data feed and no built-in Protected Income Value mechanism — buyers who need a contractually guaranteed lifetime payout rate should look at the carrier's Strategy Indexed Plus 7 or Strategy Indexed Plus 10 filings, which do carry income riders.
The ten-year surrender ladder declines linearly to zero — meaningful early-exit penalty above the free-withdrawal allowance. Confirm liquidity needs before committing.
A monthly-sum cap on the S&P 500 is part of the strategy menu. Monthly-sum caps are mathematically different from annual point-to-point caps and historically under-credit them in trending markets — read the strategy on its own terms and do not compare the monthly cap figure side-by-side with another FIA's annual cap.
Filed in New York only. Residents of any other state cannot purchase this contract — they need the sibling national filing, Strategy Indexed Plus 10, which has a different and broader strategy menu including Nasdaq-100, S&P MARC 5% Excess Return, and a BNP Paribas Patriot Technology Index option that this New York filing does not include.
Not ideal for
Buyers outside New York (the contract is not filed in any other state — see the sibling Strategy Indexed Plus 10), buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, buyers who want shorter-than-ten-year liquidity, and buyers who want exposure to indexes beyond the S&P 500.
Free Comparison Report
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See how ASIA Plus compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Cap: 5.1% + Par: 50% · 1-yr
S&P 500 Index
cap
7-yr surrenderDoes not vary by premium
Cap: 4.8% · 1-yr
S&P 500 Index
cap
7-yr surrenderDoes not vary by premium
Trigger: 3.25% · 1-yr
S&P 500 Index
trigger
7-yr surrenderDoes not vary by premium
Fixed: 3% · 1-yr
Fixed Account
fixed
7-yr surrenderDoes not vary by premium
Cap: 1.4% · 1-yr
S&P 500 Index
monthly_sum_cap
7-yr surrenderDoes not vary by premium
Cap: 7% + Par: 50% · 1-yr
S&P 500 Index
cap
10-yr surrenderDoes not vary by premium
Cap: 6.25% · 1-yr
S&P 500 Index
cap
10-yr surrenderDoes not vary by premium
Trigger: 3.75% · 1-yr
S&P 500 Index
trigger
10-yr surrenderDoes not vary by premium
Fixed: 3.1% · 1-yr
Fixed Account
fixed
10-yr surrenderDoes not vary by premium
Cap: 1.95% · 1-yr
S&P 500 Index
monthly_sum_cap
10-yr surrenderDoes not vary by premium
Accumulation profile
Accumulation-focused contract
Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
Common questions about ASIA Plus
● Can I lose money in ASIA Plus?
A negative index return by itself does not reduce the contract's account value: ASIA Plus credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do ASIA Plus's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current ASIA Plus strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
0.10%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
1.90%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
2.90%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
100.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Documents
brochure
ASIA Plus 10.pdf
Confidence: highReviewed Apr 1, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA
S&PA
S&PA
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
ASIA Plus currently shows 9 distinct indexed or fixed crediting choices across 10 displayed rate entries, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 4.8% annual cap
S&P 500 Index: 5.1% annual cap
S&P 500 Index: 1.4% monthly cap
S&P 500 Index: 6.25% annual cap
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
10 surrender years
Nursing home waiver
RMD waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as ASIA Plus 10.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
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See how ASIA Plus compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.