Contract Year Surrender Charge
Death Benefit ASIA PLUS 10 provides a death benefit that will be payable to a named beneficiary upon the death of the owner of the contract. In the event there is a non-natural owner, such as a trust, the death benefit will be payable upon the death of the annuitant. The death benefit prior to the maturity date of the contract, is the greater of either the annuity value (including any interest earnings up to the date of death) or the surrender value of the contract. Maturity The maturity date of the contract is normally the contract anniversary following the annuitant’s 100th birthday. The owner may request a change in date as long as the new maturity date is after the end of the fifth segment term and is not after the contract anniversary following the annuitant’s 100th birthday. Annuity Options At maturity you may elect to receive the proceeds of your annuity in a lump sum payment or in a series of payments to meet your financial goals. American National offers a variety of annuity options. Your advisor can help you make the right choice for your needs at that time. If the death of the contract owner occurs after maturity and annuity payments are being made, then the remaining payments will continue to be paid to the beneficiary in accordance with the annuity option provisions as selected by the contract owner prior to death.
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9 10 11+
9% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0%
The annuity value is the sum of the values in the indexed or declared rate strategies, less any withdrawals and/or any applicable rider charges. If you surrender the contract during a segment term, you will not receive any indexed interest for that segment. Waiver of Surrender Charges Life has a way of changing the best plans and ASIA PLUS 10 provides assurance that you will have access to your money, without surrender charges and market value adjustment (MVA), during these particular circumstances. 9 Confinement Waiver 10 Surrender charges and MVA may be waived if the contract owner is confined to a licensed hospital, licensed convalescent care facility, skilled nursing facility, custodial care facility, or licensed hospice facility for 30 or more days. Available 90 days after issue. Disability Waiver 10 Prior to age 65, surrender charges and MVA may be waived if the contract owner is physically disabled, or diagnosed with a disabling terminal illness. Available after issue. Terminal Illness Waiver 10 Surrender charges and MVA may be waived if the contract owner is diagnosed with an injury or illness expected to result in death within 12 months. Available after issue.
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ASIA PLUS 10 / AMERICAN NATIONAL
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