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Fixed Indexed Annuity

ASIA Plus — American National Anico

American National Anico

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6.25%

Best S&P 500 Annual Cap

10%

Free W/D

New York

Only state

Product data status: October 2, 2026

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 strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 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 October 2, 2026.

Free Comparison Report

Get an ASIA Plus rate report

See how ASIA Plus compares for your age, state, premium, and income goals alongside other American National Anico fixed indexed annuity options.

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rate data

Run numbers for ASIA Plus

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this American National Anico product.

Live product data

Rates as of October 2, 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.

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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.8% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: NY

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

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: NY

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

1.4% cap rate

Rate effective Oct 1, 2026

Monthly sum

Requested state: NY

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.25% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: NY

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

7% cap rate + 50% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: NY

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

1.95% cap rate

Rate effective Oct 1, 2026

Monthly sum

Requested state: NY

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

3.25% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: NY

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

3.75% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: NY

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: NY

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.1% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: NY

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 designed for accumulation rather than a scheduled retirement payout. Buyers prioritizing income should compare the carrier's income-oriented contracts using their current product details.
  • 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, buyers seeking scheduled retirement income, buyers who want shorter-than-ten-year liquidity, and buyers who want exposure to indexes beyond the S&P 500.

Free Comparison Report

Get an ASIA Plus rate report

See how ASIA Plus compares for your age, state, premium, and income goals alongside other American National Anico fixed indexed annuity options.

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All crediting strategies

View rate listings (20 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 5.1% + Par: 50% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Cap: 5.1% + Par: 50% · 1-yr

S&P 500 Index

Point-to-point

Requested state: NY7-yr surrenderDoes not vary by premium

Cap: 4.8% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Cap: 4.8% · 1-yr

S&P 500 Index

Point-to-point

Requested state: NY7-yr surrenderDoes not vary by premium

Trigger: 3.25% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Trigger: 3.25% · 1-yr

S&P 500 Index

Performance trigger

Requested state: NY7-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Requested state: NY7-yr surrenderDoes not vary by premium

Cap: 1.4% · 1-yr

S&P 500 Index

Monthly sum · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Cap: 1.4% · 1-yr

S&P 500 Index

Monthly sum

Requested state: NY7-yr surrenderDoes not vary by premium

Cap: 7% + Par: 50% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 202610-yr surrenderDoes not vary by premium

Cap: 7% + Par: 50% · 1-yr

S&P 500 Index

Point-to-point

Requested state: NY10-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 202610-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

S&P 500 Index

Point-to-point

Requested state: NY10-yr surrenderDoes not vary by premium

Trigger: 3.75% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 202610-yr surrenderDoes not vary by premium

Trigger: 3.75% · 1-yr

S&P 500 Index

Performance trigger

Requested state: NY10-yr surrenderDoes not vary by premium

Fixed: 3.1% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 202610-yr surrenderDoes not vary by premium

Fixed: 3.1% · 1-yr

Fixed Account

Fixed account

Requested state: NY10-yr surrenderDoes not vary by premium

Cap: 1.95% · 1-yr

S&P 500 Index

Monthly sum · 0% annual strategy fee

Requested state: NYRate effective Oct 1, 202610-yr surrenderDoes not vary by premium

Cap: 1.95% · 1-yr

S&P 500 Index

Monthly sum

Requested state: NY10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

The 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 withdrawals, surrender charges, 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 available 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

2.15%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

3.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

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
FitchA
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

ASIA Plus currently shows 20 indexed or fixed crediting options, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4.8% annual cap, 0% annual strategy fee
  • S&P 500 Index: 5.1% annual cap, 0% annual strategy fee
  • S&P 500 Index: 1.4% monthly cap, 0% annual strategy fee
  • S&P 500 Index: 6.25% annual cap, 0% annual strategy fee

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

Get an ASIA Plus rate report

See how ASIA Plus compares for your age, state, premium, and income goals alongside other American National Anico fixed indexed annuity options.

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