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Fixed Indexed Annuity

Strategy Indexed Plus 7

American National Life Insurance Company

6.4%

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

5% lifetime payout

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.

1.1% 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

S&P 500

S&P 500 Index

23% participation rate

Nasdaq-100

Nasdaq-100 Index

5.75% cap rate

Fixed Account

Fixed Account

2.85% declared rate

+ 1 volatility-controlled index option (S&P MARC)

Lifetime Income Riders

Income rider

Income Rider (Fixed Rate)

Lifetime payout rate5% lifetime payout
Annual rider fee1.1% annual rider fee

Income rider

Income Rider (Fixed + Index Credit)

Lifetime payout rate4.7% 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 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.

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: 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

Par: 105% · 1-yr

S&P MARC 5% Excess Return

Par: 23% · 1-yr

S&P 500 Index

Cap: 6.4% · 1-yr

S&P 500 Index

Cap: 5.75% · 1-yr

Nasdaq-100 Index

Fixed: 2.85% · 1-yr

Fixed Account

Income riders

Income rider

Lifetime Income Rider (Fixed Rate)

Lifetime withdrawal rate5%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 100
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Rider (Fixed Rate)

Lifetime withdrawal rate5%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Rider (Fixed + Index Credit)

Lifetime withdrawal rate4.7%
Annual rider fee0.8%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 100
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Rider (Fixed + Index Credit)

Lifetime withdrawal rate4.7%
Annual rider fee0.8%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Rider (Fixed Rate)

Lifetime withdrawal rate4.5%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 100
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Rider (Fixed Rate)

Lifetime withdrawal rate4.5%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Rider (Fixed + Index Credit)

Lifetime withdrawal rate4.2%
Annual rider fee0.8%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 80
Joint availabilityJoint life

GLWB

Income rider

Lifetime Income Rider (Fixed + Index Credit)

Lifetime withdrawal rate4.2%
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

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.

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

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

  • S&P 500 Index: 6.4% cap
  • S&P 500 Index: 23% participation
  • Nasdaq-100 Index: 5.75% cap

Income rider language

What to look for before treating the rider as income

Lifetime Income Rider (Fixed Rate) 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.

  • 5% withdrawal rate
  • 1.1% 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
  • 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

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