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American National Insurance Company

Palladium Advisor

(RETIRED)

A Fixed Annuity with a -year fixed rate and a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A		Standard & Poor's: A

Rates
Surrender charges last 7 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

Premium Bonus
- none -

Policy Notes

The @annuityName@ is a single premium deferred annuity which will acce --[ subscription required to view full text ]--
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**** ******* **** ** ******** **** * ***** **** ******** **** ** @*********************@%, ********* ** * **** **** ** @********@% ***** ** ********** *** @*******************@ ***** *** ** ********** ***** **** ******** **** ***** ** @**************************@%. ***** *** ***** ****, *** ***** **** **** *** ********* **** ****** ** ******* ***** ** *** ******* ******** *** ********-**** ***********. *** ******* ******** ** ******** * ********** ******* **** ** @*********@%; *** ********* **** **** ***** ** *** ***** **** ****. ******** ** ********** *** ******** *****.

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Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Age Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

Issue Ages for Owner --[ subscription required to view full text ]--
***** **** *** ***** *** *********
** *-**, ** *-**, ** *-**

** ***** ****** ***** ** **, ** *** **.

MVA Explanation
Not available in MN OR PA

A Market Value Adjustmen --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 08/01/2012
Commissions are ***** *** * *** * *** * ** ***** ***.

Non-Qualified

Palladium Advisor

Up to age 79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Trail:

****

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Trail:

****

Qualified

Palladium Advisor

Up to age 79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

****

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

****

Related Information

Available Subscriptions

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Single-User Edition

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