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Fixed Indexed Annuity

Strategy Indexed Plus 10

American National Life Insurance Company

10.2%

Best Cap

10%

Free W/D

51

Jurisdictions

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.

Lifetime withdrawal rate (GLWB rider)

4.5% lifetime payout

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

S&P 500

S&P 500 Index

10.2% cap rate

S&P 500

S&P 500 Index

42% participation rate

Nasdaq-100

Nasdaq-100 Index

6.7% cap rate

Fixed Account

Fixed Account

3.85% declared rate

+ 2 volatility-controlled index options (S&P MARC, BNP Paribas)

Lifetime Income Riders

Income rider

Income Rider (Fixed + Index Credit)

Lifetime payout rate4.5% lifetime payout
Annual rider fee0.8% annual rider fee

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.

All crediting strategies

View rate listings (13 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

Par: 185% · 1-yr

S&P MARC 5% Excess Return

Par: 125% · 1-yr

BNP Paribas Patriot Technology Index

Par: 42% · 1-yr

S&P 500 Index

Cap: 6.8% · 1-yr

S&P 500 Index

Cap: 6.7% · 1-yr

Nasdaq-100 Index

Fixed: 3.85% · 1-yr

Fixed Account

Cap: 10.2% · 1-yr

S&P 500 Index

20% Max Allocation

Income riders

Income rider

Lifetime Income Rider (Fixed + Index Credit)

Lifetime withdrawal rate4.5%
Annual rider fee0.8%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 100
Joint availabilityJoint life

GLWB

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.00%

Strategy guarantee

Minimum fixed-rate increase: 0.00%

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, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6.8% cap
  • S&P 500 Index: 10.2% cap
  • S&P 500 Index: 42% participation

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.

  • 4.5% withdrawal rate
  • 0.8% rider fee
  • Joint life availability

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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