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  • American National Insurance Company


    Palladium (SPIA)


    A SPIA
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Standard & Poor's:  A  



    Premium Bonus
    - none -

    Policy Notes

    Palladium Immediate Annuity can provide a steady stream of income payments to meet current income needs. The amount of income is determined by the single premium you c --[ subscription required to view full text ]--
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    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
     
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****

    Payout Options
    Life Options
    Life Only for: Single & Joint
    Installment Refund: Yes
    Cash Refund: Yes
    Survivor Benefit:
    Period Certain Options
    Period Certain Terms: 10 to 30 Years
    Survivor Benefit: 50%  60%  66.6%  75%  100% 
    Life Plus Period Certain
    Life plus Certain: Joint Only
    Life +Certain Terms: 5 to 20 Years

    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    Liquidity Option N/A --[ subscription required to view full text ]--
    ********* ****** */*: **, **, **, **, **

    Commissions
    Effective date of commission schedule: 09/01/2020
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    All other Payouts

    Palladium (SPIA)
    Up to age 84  
    Initial Premium: ****
    Ages 85-90  
    Initial Premium: ****

    Payout Periods 5-9

    Palladium (SPIA)
    Up to age 90  
    Initial Premium: ****

    Related Information

    Other American National Insurance Company Products

    MYGA
    Palladium MYG Annuity 10
    Palladium MYG Annuity 5
    Palladium MYG Annuity 6
    Palladium MYG Annuity 7
    Palladium MYG Annuity 8
    Palladium MYG Annuity 9
    Fixed Annuity
    Century Plus
    Palladium Group Fixed Deferred
    Wealth Quest Citadel 5 Diamond
    Wealth Quest Citadel 7 Diamond
    Fixed Indexed Annuity
    Strategy Indexed Annuity PLUS 10
    Strategy Indexed Annuity PLUS 7

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    Additional Information

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