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AMERICAN NATIONAL INSURANCE COMPANY. A+ by AM Best & Co. AA by Standard & Poor Over $3 Billion in Capital Surplus $125 in Assets for every $100 of Liabilities Consolidated Assets of over $17 Billion And a Comdex Score of 96!. Fixed Annuities - What’s New?.

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AMERICAN NATIONAL INSURANCE COMPANY

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AMERICAN NATIONAL INSURANCE COMPANY

A+ by AM Best & Co.

AA by Standard & Poor

Over $3 Billion in Capital Surplus

$125 in Assets for every $100 of Liabilities

Consolidated Assets of over $17 Billion

And a Comdex Score of 96!

For Agent Use Only


Fixed Annuities - What’s New?

Our ANICO Strategy Indexed Annuity or – “ASIA”

We’ve come up with a truly winning formula

Annual Reset!Riders Galore!

For Agent Use Only


The ANICO Strategy Indexed Annuity is Coming Your Way . . .

Want to learn about what is

the next best indexed annuity?

  • Clean SimpleDesign

  • Strong Guarantees

    3. Innovative Riders Not Available on any fixed or indexed annuities!

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500

  • Annual Reset/Point-to-Point, No Averaging

  • 100% Participation Locked in at Issue

  • Annually Declared Cap Rate (Only Moving Part)

  • Both an Index Interest & Fixed Interest Acct.

    • Index interest based on S&P 500 Performance

    • Fixed Interest declared annually

    • Can reallocate funds between the two accounts on policy anniversary – no restrictions on allocation %

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500

  • Issued to ages 0-85 Owner/Annuitant

  • Single Premium Product

    • $5,000 Minimum Premium for Non-Qualified

    • $4,000 Minimum Premium for Qualified

  • 10% Penalty-Free Withdrawals of Annuity Value after 1st Yr

  • Both a 7 and a 10-yr Surrender (No MVA)

    • 7-yr: 7,7,6,5,4,3,2,0

    • 10 Yr: 9,9,8,7,6,5,4,3,2,1,0

    • Walk-away at end of term

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500

  • Waiver of Surrender Charges

    • 10% Partials after yr 1

      • Based on full Account Value as of beginning of contract year

      • Includes Indexed Interest Credits

    • Required Minimum Distributions (ALL Yrs)

    • Disability or Confinement in a:

      • Hospital

      • Hospice Facility

      • Convalescent Care Facility

  • Death Benefit

    • Paid at the death of the Owner

    • Greater of Full Annuity (Account) Value, including indexed earnings up to the date of death OR

    • Surrender Value

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 – Upgrades….

  • Innovative (Optional) Riders: Lifetime Income Rider

    • Payments can begin anytime after age 60

      • No Minimum Waiting Period

      • Income % is based on age at time of commencement

        • Age 60-69 = 5%

        • Age 70-79 = 6%

        • Age 80+ = 7%

    • Guarantees Income for Life Even if the Annuity Value Declines to 0!

    • It must be added at issue, but can be dropped anytime!

    • Payment based on highest AV from date payments start – but the payment cannot go down

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 – Upgrades….

  • Innovative (Optional) Riders: Lifetime Income Rider

    • Income Benefit is treated like a free partial withdrawal

      • IT CAN BE STOPPED AT ANYTIME!

      • That’s right – the guarantees of a lifetime annuitization with the flexibility of systematic withdrawals – You Can’t Beat That!

      • Payments can be re-started after having been stopped

      • Can take less than the full amount available and increase it later

    • The Cost for the rider is guaranteed at issue for the life of the contract

      • It is .40% of the account value per year

      • Much lower than competing variable products!

      • Only deducted in years when there’s positive AV Growth

        • Past amounts not deducted for will be debited in future years when AV growth is sufficient to accommodate such cost

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 – Upgrades . . .

  • Innovative (Optional) Riders: Enhanced Death Benefit Rider

    • Enhanced Death Benefit Rider – Increases DB by a % of AV gains

    • Benefit Varies by Age Based on Issue Age

      • Through age 69 = 45%

      • Ages 70 – 74 = 25%

      • Ages 75 – 80 = 20%

      • Ages 81+ = 15%

    • NO UNDERWRITING!

    • Rider Terminates at Age 95, BUT . . .

    • At age 95, the EDB Amount is added to the AV!

    • Must be added at issue, but can be dropped at anytime

    • Cost is guaranteed for the life of the contract

      • Is anticipated to be .25% of the account value per year

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 – Upgrades . . .

  • Totally Innovative Riders: Return of Premium Rider

    • Gtd. Min. SV = Initial Premium – Withdrawals

    • Must be added at issue

    • Cannot be Dropped

    • Cost will be a reduction in the declared cap rate and/or the fixed interest rate

      • Current reduction is .50% from the current cap rate or

      • Current reduction is .20% from the fixed interest rate

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 – Commissions

  • Commissions WITHOUT Trails:

    • ‘ASIA’ 10

      • 8%, Ages 0-75

      • 6.5%, Ages 76-80

      • 5%, Ages 81-85

    • ‘ASIA’ 7

      • 5%, Ages 0-75

      • 4%, Ages 76-80

      • 3%, Ages 81-85

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 – Commissions

  • Commissions WITH Trails:

    • ‘ASIA’ 10

      • 5.5%, Ages 0-75

      • 4.0%, Ages 76-80

      • 2.5%, Ages 81-85

    • ‘ASIA’ 7

      • 3%, Ages 0-75

      • 2%, Ages 76-80

      • 1%, Ages 81-85

    • TRAILS = .40% to the General Agent

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 - As of 8/1/06 . . .

  • Minimum Guaranteed Surrender Value is based on a Minimum Guaranteed Interest Rate (MGIR) based on 90% of premium

    • Indexed Interest Account

      • ASIA 10: @ 3.00%

      • ASIA 7: @ 2.75%

    • Fixed Interest Account

      • ASIA 10: @ 3.00%

      • ASIA 7: @ 3.00%

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 – As of 8/1/06 . . .

  • Annually Declared Cap Rates Are:

    • ASIA 10 = 7.4%

    • ASIA 7 = 8%

    • Minimum Guarantee for contract yrs 2-10 is 4%

  • Fixed Interest Bucket is Crediting:

    • ASIA 10 = 3.85%

    • ASIA 7 = 4.15%

  • Client Notification at Renewal/Anniversary

    • Policyholder receives a letter 5 weeks prior to anniversary notifying them of renewal rates

For Agent Use Only


ANICO Strategy Indexed AnnuityIndexed to the S&P 500 – State Approvals

  • ASIA Both the 7 and the 10

    • Available in all states except the following:

      MDTX

      MAUT

      MNVT

      MTWA

      ND

      OK

      OR

      PA

For Agent Use Only


So, be on the look-out for “ASIA”, the next BEST

Equity Indexed Annuity

For Agent Use Only


Other Winning Annuities . . .

For Agent Use Only


Is That It?

For Agent Use Only


Heck No, How About our

“Cash Is King Contest for Your Agents . . . ?

For Agent Use Only


Cash Bonus for Writing Agents: 7/1/06 – 9/30/06 on EIA Sales

  • $250,000 - $500,000=$250

  • $500,001 - $750,000=$500

  • $750,001 - $1,000,000=$1,000

  • $1,000,001 +=$2,000

  • Based on cumulative premium written & paid during contest period

For Agent Use Only


American National Insurance Company

  • Thanks for your interest in American National and especially your business!

  • We look forward to a long and profitable relationship with you.

For Agent Use Only


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