Index Crediting Options with Long-Term Growth Potential

The Strategy PLUS 10 Indexed Annuity offers multiple crediting strategies, allowing policyholders to customize their growth approach:

• BNPP Patriot Index

• S&P 500® Index (excluding dividends)

• S&P MARC 5% Index

• Nasdaq-100® Index

Each of these options offers a different approach to capturing market performance while protecting against downside risk. Interest is credited based on the performance of your selected index, but your principal is never at risk due to market losses.

To see how the crediting options and caps compare with other leading indexed annuities, fill out our annuity quote request form for a personalized report.

Guaranteed Income for Life, Even If the Account Runs Out

For those focused on securing reliable retirement income, the Lifetime Income Rider (LIR) provides guaranteed payouts for life—even if your account value is eventually depleted. This rider creates peace of mind by transforming a portion of your savings into a personal pension you can never outlive.

It’s an ideal solution for retirees worried about longevity risk or running out of money in later years.

Access and Liquidity, Even in Uncertain Times

The Strategy Indexed Annuity PLUS 10 also includes:

• Penalty-free withdrawals of up to 10% annually after the first contract year

• A Guaranteed Minimum Surrender Value, ensuring you receive a predetermined amount if you need to surrender the contract early

It also features health-based waivers to provide access to funds during challenging life events.

Legacy Planning Made Simple

In the event of death, beneficiaries receive the full accumulation value of the contract without surrender charges, offering a clean and efficient wealth transfer strategy. The policy also supports enhanced death benefit options depending on the configuration at issue.

Who This Annuity May Be a Good Fit For

The American National Strategy Indexed Annuity PLUS 10 may be an excellent choice for:

• Individuals who want market participation with full principal protection

• Pre-retirees or retirees seeking lifetime income with downside risk mitigation

• Savers who want access to multiple index strategies for diversification

• People who value liquidity and surrender value guarantees

• Clients who want a tax-deferred legacy tool for transferring wealth

It’s a flexible and well-rounded product for those who want to plan confidently for both income and accumulation.