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Fixed Indexed Annuity

Select Focus 5

American National Anico

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9.5%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: August 13, 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 Select Focus 5 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 August 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$309,222
Est. value at age 80 (Select Focus 5)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Select Focus 5's published cap rate (9.5% 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 August 13, 2026.

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See how Select Focus 5 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 Select Focus 5

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

Live product data

Rates as of August 13, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

9.5% cap on S&P 500

A five-year-surrender fixed indexed annuity from American National built for accumulation across fee-free and allocation-charge index strategies, with a recognizable annual S&P 500 cap, a fixed account, and no lifetime-income rider.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers seeking index-linked accumulation with a five-year surrender commitment, a recognizable annual S&P 500 cap, a fixed-account option, and a broad choice of annual and longer-term crediting strategies.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Minimum premium

$5,000 qualified / $10,000 non-qualified

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.5% trigger rate

Performance trigger

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

with Performance Rate Rider (with fee)

60% participation rate

Participation

PRR fee: 1.25%/yr

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

19% cap rate

Cap strategy

2-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

65% participation rate

Participation

2-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

with Performance Rate Rider(with fee)

75% participation rate

Participation

PRR fee: 1.25%/yr

2-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

75% participation rate

Participation

5-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

with Performance Rate Rider(with fee)

100% participation rate

Participation

PRR fee: 1.25%/yr

5-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.4% declared rate

Fixed account

1-year term · 5-year surrender · Does not vary by premium

+ 54 additional crediting options (Invesco QQQ, Russell 2000, MSCI EAFE...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender period is the shorter commitment in American National's Select Focus pair, while retaining the same broad index and crediting-mechanic menu as Select Focus 7.
  • The crediting menu includes annual S&P 500 cap, participation, and trigger choices, plus longer-term participation choices and several volatility-controlled indexes.
  • A fixed account sits alongside the indexed strategies, giving buyers a non-indexed allocation choice within the same contract.
  • The contract publishes an annual free-withdrawal allowance and disability, nursing-home, required-minimum-distribution, and terminal-illness surrender waivers.

What to confirm

  • There is no lifetime-income rider on this contract, so buyers seeking contractually guaranteed lifetime withdrawals need a different product rather than an accumulation-only Select Focus contract.
  • Some strategies credit over multiple years, so their participation rates are not directly comparable with an annual S&P 500 cap.
  • Performance Rate Rider strategies carry an allocation charge; compare their higher participation rates after accounting for that charge rather than treating them as fee-free options.
  • Withdrawals above the available allowance during the surrender period can face both a surrender charge and a market-value adjustment.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want every indexed strategy to be fee-free, need unrestricted access during the surrender period, or live where this contract is not offered.

Free Comparison Report

Get a Select Focus 5 rate report

See how Select Focus 5 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 (64 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 85% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

with Performance Rate Rider (with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

Invesco QQQ 15 Index

with Performance Rate Rider (with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

BlackRock Adaptive US Equity 15% Index

with Performance Rate Rider (with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 73% · 1-yr

MSCI EAFE Index

with Performance Rate Rider (with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

participation

5-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

Invesco QQQ 15 Index

participation

5-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

BlackRock Adaptive US Equity 15% Index

participation

5-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

S&P 500 Index

with Performance Rate Rider (with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 53% · 1-yr

MSCI EAFE Index

participation

5-yr surrenderDoes not vary by premium

Par: 53% · 1-yr

Russell 2000 Index

with Performance Rate Rider (with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

5-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

Invesco QQQ Trust Series 1

with Performance Rate Rider (with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 38% · 1-yr

Invesco QQQ Trust Series 1

participation

5-yr surrenderDoes not vary by premium

Par: 38% · 1-yr

Russell 2000 Index

participation

5-yr surrenderDoes not vary by premium

Cap: 13.5% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

cap

5-yr surrenderDoes not vary by premium

Cap: 13.5% · 1-yr

Invesco QQQ 15 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 12% · 1-yr

BlackRock Adaptive US Equity 15% Index

cap

5-yr surrenderDoes not vary by premium

Cap: 9.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 8.75% · 1-yr

Russell 2000 Index

cap

5-yr surrenderDoes not vary by premium

Trigger: 8.7% · 1-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

trigger

5-yr surrenderDoes not vary by premium

Trigger: 8.7% · 1-yr

Invesco QQQ 15 Index

trigger

5-yr surrenderDoes not vary by premium

Cap: 8% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderDoes not vary by premium

Trigger: 7.95% · 1-yr

BlackRock Adaptive US Equity 15% Index

trigger

5-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderDoes not vary by premium

Trigger: 7.2% · 1-yr

Russell 2000 Index

trigger

5-yr surrenderDoes not vary by premium

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

5-yr surrenderDoes not vary by premium

Trigger: 6.45% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderDoes not vary by premium

Trigger: 6.45% · 1-yr

MSCI EAFE Index

trigger

5-yr surrenderDoes not vary by premium

Fixed: 4.4% · 1-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Par: 120% · 2-yr

BlackRock Adaptive US Equity 15% Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

Invesco QQQ 15 Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 95% · 2-yr

BlackRock Adaptive US Equity 15% Index

participation

5-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

participation

5-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

Invesco QQQ 15 Index

participation

5-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

MSCI EAFE Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 75% · 2-yr

S&P 500 Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 74% · 2-yr

MSCI EAFE Index

participation

5-yr surrenderDoes not vary by premium

Par: 68% · 2-yr

Russell 2000 Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 65% · 2-yr

S&P 500 Index

participation

5-yr surrenderDoes not vary by premium

Par: 63% · 2-yr

Invesco QQQ Trust Series 1

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

Russell 2000 Index

participation

5-yr surrenderDoes not vary by premium

Cap: 50% · 2-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

cap

5-yr surrenderDoes not vary by premium

Cap: 50% · 2-yr

Invesco QQQ 15 Index

cap

5-yr surrenderDoes not vary by premium

Par: 50% · 2-yr

Invesco QQQ Trust Series 1

participation

5-yr surrenderDoes not vary by premium

Cap: 45% · 2-yr

BlackRock Adaptive US Equity 15% Index

cap

5-yr surrenderDoes not vary by premium

Cap: 19.75% · 2-yr

Russell 2000 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 19% · 2-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 18.75% · 2-yr

MSCI EAFE Index

cap

5-yr surrenderDoes not vary by premium

Cap: 17% · 2-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderDoes not vary by premium

Par: 170% · 5-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 170% · 5-yr

Invesco QQQ 15 Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 165% · 5-yr

BlackRock Adaptive US Equity 15% Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 145% · 5-yr

S&P 500 Advantage 15% VT TCA Index (USD) ER

participation

5-yr surrenderDoes not vary by premium

Par: 145% · 5-yr

Invesco QQQ 15 Index

participation

5-yr surrenderDoes not vary by premium

Par: 135% · 5-yr

BlackRock Adaptive US Equity 15% Index

participation

5-yr surrenderDoes not vary by premium

Par: 120% · 5-yr

MSCI EAFE Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 100% · 5-yr

S&P 500 Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 94% · 5-yr

MSCI EAFE Index

participation

5-yr surrenderDoes not vary by premium

Par: 88% · 5-yr

Russell 2000 Index

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 83% · 5-yr

Invesco QQQ Trust Series 1

with Performance Rate Rider(with fee) · participation

5-yr surrenderDoes not vary by premium

Par: 75% · 5-yr

S&P 500 Index

participation

5-yr surrenderDoes not vary by premium

Par: 70% · 5-yr

Russell 2000 Index

participation

5-yr surrenderDoes not vary by premium

Par: 65% · 5-yr

Invesco QQQ Trust Series 1

participation

5-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 Select Focus 5

● Can I lose money in Select Focus 5?

A negative index return by itself does not reduce the contract's account value: Select Focus 5 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 5 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 Select Focus 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Select Focus 5 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

4

Disability waiver, 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

2.95%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

2.95%

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

Fixed account guarantee

2.95%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

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

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Disability waiver, Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA
S&PA
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Select Focus 5 currently shows 64 indexed or fixed crediting options, including S&P 500 Index, with 54 volatility-controlled index options grouped separately. 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: 9.5% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 50% annual participation rate
  • S&P 500 Index: 60% annual participation rate, Performance Rate Rider, 1.25% 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
  • 5 surrender years
  • Disability waiver
  • Nursing home waiver
  • RMD waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

This page uses the current structured product information for the contract. 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 a Select Focus 5 rate report

See how Select Focus 5 compares for your age, state, premium, and income goals alongside other American National Anico fixed indexed annuity options.

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