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Fixed Indexed Annuity

ASIA Plus

American National Life Insurance Company

7%

Best Cap

10%

Free W/D

New York

Only state

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

7% cap on S&P 500

American National's New York-only fixed indexed annuity — a ten-year accumulation contract from an A-rated carrier built around plain S&P 500 cap exposure and a one-year declared-rate fixed account, with no income rider and no Protected Income Value mechanism attached.

1-year termAdvisorWorld + CANNEX data

Best fit

New York residents who want accumulation-focused FIA exposure to the S&P 500 from an A-rated carrier, can commit to a ten-year deferral, and value a clean strategy menu built on a recognizable benchmark and a plain fixed account over proprietary volatility-controlled index options.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

New York only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.25% cap rate

S&P 500

S&P 500 Index

7% cap rate + 50% participation rate

S&P 500

S&P 500 Index

1.95% cap rate

S&P 500

S&P 500 Index

100% participation rate + 3.75% declared rate

Fixed Account

Fixed Account

3.1% declared rate

Product analyst notes

How to think about this contract

Why it can stand out

  • Filed in New York only — this is the New York-specific filing of American National's indexed-annuity chassis. Residents of every other state see the sibling national filing, Strategy Indexed Plus 10 (A000EW), which carries the same ten-year surrender ladder.
  • Crediting menu is built around the S&P 500 — buyers can choose between a full-participation annual cap, a partial-participation annual cap with a higher cap rate, an annual point-to-point with a declared rate floor, and a monthly-sum cap, plus a one-year declared-rate fixed account. Every strategy is on a recognizable benchmark or a plain fixed rate, with no proprietary volatility-controlled indexes to evaluate.
  • Free-withdrawal allowance, the full ten-year surrender ladder, and the nursing-home, RMD, and terminal-illness waivers are all visible on this page rather than buried in a brochure.
  • Issued by an A-rated carrier (A.M. Best) with a guaranteed minimum cap floor built into the contract — the regulatory backstop on how low the cap can be reset in future years is published, not left to discretion.

What to confirm

  • This contract is NOT an income product. There is no guaranteed-lifetime-withdrawal rider on the live data feed and no built-in Protected Income Value mechanism — buyers who need a contractually guaranteed lifetime payout rate should look at the carrier's Strategy Indexed Plus 7 or Strategy Indexed Plus 10 filings, which do carry income riders.
  • The ten-year surrender ladder declines linearly to zero — meaningful early-exit penalty above the free-withdrawal allowance. Confirm liquidity needs before committing.
  • A monthly-sum cap on the S&P 500 is part of the strategy menu. Monthly-sum caps are mathematically different from annual point-to-point caps and historically under-credit them in trending markets — read the strategy on its own terms and do not compare the monthly cap figure side-by-side with another FIA's annual cap.
  • Filed in New York only. Residents of any other state cannot purchase this contract — they need the sibling national filing, Strategy Indexed Plus 10 (A000EW), which has a different (and broader) strategy menu including Nasdaq-100, S&P MARC 5% Excess Return, and a BNP Paribas Patriot Technology Index option that this NY filing does not include.

Not ideal for

Buyers outside New York (the contract is not filed in any other state — see the sibling Strategy Indexed Plus 10), buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, buyers who want shorter-than-ten-year liquidity, and buyers who want exposure to indexes beyond the S&P 500.

All crediting strategies

View rate listings (10 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: 100% + Fixed: 3.75% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Cap: 7% + Par: 50% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 6.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.1% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.95% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 100% + Fixed: 3.75% · 1-yr

S&P 500 Index

Cap: 7% + Par: 50% · 1-yr

S&P 500 Index

Cap: 6.25% · 1-yr

S&P 500 Index

Fixed: 3.1% · 1-yr

Fixed Account

Cap: 1.95% · 1-yr

S&P 500 Index

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.10%

Strategy guarantee

Minimum guaranteed declared rate: 1.60%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.60%

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

10%

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

brochure

ASIA Plus 10.pdf

Confidence: highReviewed Apr 1, 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

ASIA Plus currently shows 5 distinct indexed or fixed crediting choices across 10 current rate listings, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6.25% cap
  • S&P 500 Index: 7% cap
  • S&P 500 Index: 1.95% cap

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 ASIA Plus 10.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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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