Annuities

Now, more than ever, Americans are responsible for accumulating their own retirement savings. Annuities are a popular choice during the planning process because they can provide retirement income that lasts a lifetime. In addition, many annuities offer flexible payout options such as paying during a pre-determined period of time, or over the lives of a couple or an individual. Annuities provide tax-deferred accumulation with the option of receiving a lump sum or fixed periodic payments beginning on a certain date.

 

There are several different annuity types to choose from:

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Fixed Deferred Annuity:

Savings you can depend on


You can’t predict what your future holds, but you may be able to make it more secure. When you purchase an American National fixed deferred annuity, you’ll be secure in the knowledge that your principal is safe, and you’ll earn a fixed rate of return. Plus, when you’re ready, you’ll be able to convert your annuity assets into fixed income payments as well. 

Benefits of American National fixed deferred annuities include:

Tax Deferred Growth

You won’t pay any income taxes on the interest you earn until you withdraw it.

Tax Deferred Growth

You won’t pay any income taxes on the interest you earn until you withdraw it.

Guaranteed Interest Rate

No matter what the market does, you are assured a minimum rate of return.

Guaranteed Interest Rate

No matter what the market does, you are assured a minimum rate of return.

Fixed Rate of Return

Interest rates are set by American National for a specified period of time.

Fixed Rate of Return

Interest rates are set by American National for a specified period of time.

Access to Annuity Value

There are several options that allow access to the accumulated annuity value, including partial withdrawals and conversion to income payment options. Withdrawals may be subject to taxes and surrender charges.

Access to Annuity Value

There are several options that allow access to the accumulated annuity value, including partial withdrawals and conversion to income payment options. Withdrawals may be subject to taxes and surrender charges.



WealthQuest 7 Annuity

  • The WealthQuest 7, flexible premium deferred annuity, offers a guaranteed interest rate on the initial premium and each subsequent premium payment submitted for two years.
  • An interest rate enhancement may be available on all premium payments received in the first 36 months of the contract for one year. The availability of this enhancement is not guaranteed and is subject to change.
  • Earnings grow on a tax-deferred basis.
  • Initial premium and additional premium payments can be made for as little as $100 a month.

Form Series: WQ712

Multi-Year Guaranteed Annuity - 3, 5, 6, or 7 Year

  • Single premium fixed deferred annuity offering a fixed interest rate for three, five, six, or seven-year guarantee periods.
  • Earnings grown on a tax-deferred basis.
  • Options after guaranteed period:
    • Withdraw all money without penalty during a special 30-day window, OR
    • Continue the annuity and earn an annual effective interest rate, declared annually on the policy anniversary.

Form Series: MYG20, MYG16(04).

Single Premium Immediate Annuity (SPIA):

Income for life


Single premium annuities area good choice for converting lump sums of money, such as insurance products or a retirement package payout into income. American National immediate fixed annuities can provide a steady stream of income payments to help meet your needs, and you can choose a payment schedule that works best for you.

Benefits include:

Tax Advantaged Income

Spreading taxable income over a number of years through an immediate annuity may help you better manage your tax liability.

Tax Advantaged Income

Spreading taxable income over a number of years through an immediate annuity may help you better manage your tax liability.

Predictable Income Payment Options

You have the ability to choose how long and how often you receive your income. Some options ensure income continues over the life of the policyholder(s).

Predictable Income Payment Options

You have the ability to choose how long and how often you receive your income. Some options ensure income continues over the life of the policyholder(s).

Access to Annuity Value

There are several options that allow access to the accumulated annuity value, including partial withdrawals and conversion to income payment options. Withdrawals may be subject to taxes and surrender charges.

Access to Annuity Value

There are several options that allow access to the accumulated annuity value, including partial withdrawals and conversion to income payment options. Withdrawals may be subject to taxes and surrender charges.



Single Premium Immediate Annuity (SPIA)

  • Convert a lump sum into a steady stream of guaranteed annuity payments, providing a guaranteed income for as long as you need it.
  • Competitive rates.
  • Multiple income payment options to choose from.
  • Cost of Living Adjustment available on some income payment options.

Form Series: NSPA

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American National Insurance Company, headquartered in Galveston, Texas is licensed to conduct business in all states except New York. Not all products and services are available in all states. American National’s National Association of Insurance Commission’s (NAIC) number is 60739.

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