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Fixed Indexed Annuity

Strategy Indexed Plus 10

American National Life Insurance Company

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6.8%

Best S&P 500 Annual Cap

10%

Free W/D

51

Jurisdictions

Product data status: July 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 Strategy Indexed Plus 10 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 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$538,073
Est. value at age 80 (Strategy Indexed Plus 10)
100%
Premium bonus offered
Nasdaq-100 Index — 6.7% 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 Strategy Indexed Plus 10's published cap rate (6.7% on Nasdaq-100 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $100,000 premium bonus (100%) = $200,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 13, 2026.

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See how Strategy Indexed Plus 10 compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for Strategy Indexed Plus 10

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 13, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Lifetime withdrawal rate (GLWB rider)

3.5% lifetime payout + 4.2% roll-up

An income-led, long-surrender fixed indexed annuity from a multi-agency-rated carrier whose central feature is a choice of two optional GLWB lifetime-income riders, with a broad crediting menu (S&P 500 cap and participation, Nasdaq-100 cap, plus proprietary participation strategies) backing the account value.

0.8% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers planning for lifetime income who want a rider-led FIA with a CHOICE of two income riders — a higher-fee fixed roll-up rider for buyers who want maximum income-base certainty, or a lower-fee fixed-plus-index rider for buyers willing to share in index credits on the income base — and who can commit to the long surrender period.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.8% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

42% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

6.7% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.85% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 2 additional crediting options (S&P MARC, BNP Paribas)

Lifetime Income Riders

Income rider

Income Rider (Fixed + Index Credit)

Lifetime payout rate3.5% lifetime payout
Annual rider fee0.8% annual rider fee
Guaranteed roll-up4.2%/yr

Income rider

Income Rider (Fixed Rate)

Lifetime payout rate3.5% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up9%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income is delivered through a real, optional GLWB rider — not a built-in chassis like Allianz's Protected Income Value — so the lifetime withdrawal rate is contractually attached to the rider and is directly comparable to other rider-led income FIAs.
  • Buyers can choose between two distinct income riders: a higher-fee 'Fixed Rate' version with a stronger guaranteed roll-up on the income base, and a lower-fee 'Fixed + Index Credit' version that trades a smaller fixed roll-up for additional index-linked growth on the income base. Each is single- or joint-life eligible.
  • Crediting menu is broad for an income-led FIA: a fixed-rate bucket, two S&P 500 strategies (annual point-to-point cap and a participation-rate alternative), a Nasdaq-100 cap, an S&P MARC 5% participation strategy, and a BNP Paribas Patriot Technology participation strategy — so the underlying account value has both like-for-like S&P 500 comparability and proprietary volatility-controlled alternatives.
  • Carrier financial strength is rated by three agencies (A.M. Best, Fitch, Standard & Poor's), so the strength view is not a single-source read. Available across every U.S. jurisdiction in the feed — no state-by-state filing fragmentation to navigate.

What to confirm

  • The income story is a rider, not a base-contract guarantee — its lifetime withdrawal rate, roll-up on the income base, and rider fee are CONTRACTUAL TERMS of the rider, and the rider fee is deducted from the account value annually for as long as the rider is attached. Compare the two riders' fees and roll-ups together, not the headline rate alone.
  • Several index options (S&P MARC 5%, BNP Paribas Patriot Technology) are proprietary volatility-controlled indexes. Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — each strategy needs to be evaluated on its own merits and its own historical behavior.
  • Long-surrender contract with a market-value adjustment (MVA) attached — the annual free-withdrawal allowance and the nursing-home / terminal-illness / RMD waivers are the only built-in liquidity outlets during the surrender period. Check the live surrender ladder on the page before committing.
  • Standard death benefit is cash surrender value — there is no enhanced or stepped-up death benefit on the base contract, so the legacy story is whatever account value remains net of surrender charge inside the surrender period.

Not ideal for

Buyers who need short-surrender liquidity, a no-rider PIV-style built-in income mechanism, a meaningful enhanced death benefit, or a plain MYGA-style declared rate without a crediting-strategy menu — none of those are what this contract is built to deliver.

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All crediting strategies

View rate listings (7 rows)

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

Par: 185% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 125% · 1-yr

BNP Paribas Patriot Technology Index

participation

10-yr surrender

Par: 42% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 6.8% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 6.7% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender

Fixed: 3.85% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 10.2% · 1-yr

S&P 500 Index

20% Max Allocation · PP

Income riders

Income rider

Lifetime Income Rider (Fixed + Index Credit)

Lifetime withdrawal rate3.5%
Annual rider fee0.8%
Guaranteed roll-up4.2%/yr

GLWB

Income rider

Lifetime Income Rider (Fixed Rate)

Lifetime withdrawal rate3.5%
Annual rider fee1.1%
Guaranteed roll-up9%/yr

GLWB

Linked review

Strategy Indexed Plus 10 review notes

Explore the features, rates, and benefits of the American National Strategy Indexed Annuity Plus FIA in this detailed review.

4.5/5Read review
Nikhil Bhauwala

Common questions about Strategy Indexed Plus 10

● Can I lose money in Strategy Indexed Plus 10?

A negative index return by itself does not reduce the contract's account value: Strategy Indexed Plus 10 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.

● Is the Lifetime Income Rider (Fixed + Index Credit) income rider worth the 0.8% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4.2% roll-up and 3.5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Strategy Indexed Plus 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Strategy Indexed Plus 10 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

Premium bonus

100%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

2.90%

Guaranteed minimum interest rate for the fixed account.

Minimum fixed-rate increase

0.00%

Minimum fixed-rate increase: 0.00%

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

9%

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

product guide

Strategy Indexed Plus 10 brochure pdf.pdf

Confidence: highReviewed Apr 14, 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

Strategy Indexed Plus 10 currently shows 7 distinct indexed or fixed crediting choices across 13 current rate listings, including S&P 500 Index and Nasdaq-100 Index, with 2 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: 6.8% annual cap
  • S&P 500 Index: 10.2% annual point-to-point cap
  • S&P 500 Index: 42% annual participation rate
  • Nasdaq-100 Index: 6.7% annual cap

Income rider language

What to look for before treating the rider as income

Lifetime Income Rider (Fixed + Index Credit) is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 3.5% withdrawal rate
  • 0.8% rider 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 Strategy Indexed Plus 10 brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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

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See how Strategy Indexed Plus 10 compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.

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