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Fixed Indexed Annuity

Strategy Indexed Plus 7

American National Life Insurance Company

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6.4%

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 7 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
$271,155
Est. value at age 80 (Strategy Indexed Plus 7)
11%
Premium bonus offered
Nasdaq-100 Index — 5.75% 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 7's published cap rate (5.75% 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 + $11,000 premium bonus (11%) = $111,000. 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 7 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 7

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.

GLWB lifetime payout rate

3.5% lifetime payout + 4.2% roll-up

A seven-year-surrender fixed indexed annuity from a tri-agency-rated American National with a real optional GLWB rider in two flavors, a day-one premium bonus that lifts the income base, and a mixed cap-and-participation index menu underneath.

0.8% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers committing to a seven-year surrender who want lifetime income from a real, optional GLWB rider — with a meaningful day-one premium bonus boosting the income base — and who don't need the contract to be RMD-friendly out of the box.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.4% cap rate

Annual cap

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

23% participation rate

Participation

1-year term · 7-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

5.75% cap rate

Annual cap

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

2.85% declared rate

Fixed account

1-year term · 7-year surrender · Premium band not shown

+ 1 additional crediting option (S&P MARC)

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 comes via a real optional GLWB rider in two distinct flavors — a Fixed-Rate roll-up variant and a Fixed + Index Credit variant — so buyers can pick the income mechanism that matches their deferral horizon and tolerance for rider-fee drag.
  • A premium bonus credits on day one and vests on a graded schedule through year eight, lifting the income base used by the GLWB rider from the contract start.
  • Carrier financial strength is rated by three independent agencies (A.M. Best, Fitch, and Standard & Poor's), so the strength view is not a single-source read.
  • Index menu blends a recognizable S&P 500 annual point-to-point cap and a Nasdaq-100 cap with two participation-rate options (S&P 500 participation and a proprietary S&P MARC excess-return index), plus a daily-rate fixed account — giving the income story both like-for-like and higher-participation growth paths underneath.

What to confirm

  • The GLWB rider carries an explicit annual fee charged on the income base, not the account value — effective cost can run higher than the headline fee rate when the income base outgrows the account value, so model the rider through deferral before committing.
  • The income riders are flagged not RMD-friendly in the live feed — buyers using this for qualified retirement money should confirm with the carrier how rider income interacts with required minimum distributions.
  • Premium bonus vests on an eight-year graded schedule beyond the seven-year surrender, so a contract exited at any point in the surrender window forfeits part of the bonus on top of the surrender charge.
  • The S&P MARC excess-return strategy is a proprietary volatility-controlled excess-return index — its participation rate is not directly comparable to an S&P 500 cap and should be evaluated on its own historical behavior.

Not ideal for

Buyers who need short-surrender liquidity, RMD-friendly income riders, a rider-fee-free income mechanism (a Protected Income Value chassis), or a plain MYGA-style fixed-rate guarantee without any optional rider — none of those are what this contract is built to deliver.

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See how Strategy Indexed Plus 7 compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (5 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: 105% · 1-yr

S&P MARC 5% Excess Return

participation

7-yr surrender

Par: 23% · 1-yr

S&P 500 Index

participation

7-yr surrender

Cap: 6.4% · 1-yr

S&P 500 Index

cap

7-yr surrender

Cap: 5.75% · 1-yr

Nasdaq-100 Index

cap

7-yr surrender

Fixed: 2.85% · 1-yr

Fixed Account

fixed

7-yr surrender

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 7 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 7

● Can I lose money in Strategy Indexed Plus 7?

A negative index return by itself does not reduce the contract's account value: Strategy Indexed Plus 7 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 7 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 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Strategy Indexed Plus 7 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

11%

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

7%

Yr 2

6%

Yr 3

5%

Yr 4

4%

Yr 5

3%

Yr 6

2%

Yr 7

1%

After

0%

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

Documents

product guide

Strategy Indexed Plus 7 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 7 currently shows 5 distinct indexed or fixed crediting choices across 10 current rate listings, including S&P 500 Index, Nasdaq-100 Index, and Fixed Account, with 1 volatility-controlled index option 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: 6.4% annual cap
  • S&P 500 Index: 23% annual participation rate
  • Nasdaq-100 Index: 5.75% annual cap
  • Fixed Account: 2.85% fixed account rate

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
  • 7 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 7 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

Free Comparison Report

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See how Strategy Indexed Plus 7 compares for your age, state, premium, and income goals alongside other American National Life Insurance Company fixed indexed annuity options.

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