Start Smarter. Grow Stronger.
American National has introduced its Smart Start Accumulator Series 5, featuring two new 5-year Fixed Indexed Annuities (FIAs) designed to help clients pursue accumulation potential while protecting against market-related index losses.
With an attractive combination of premium enhancements, a first-year interest guarantee, and simplified investment allocation options, these products are worth a closer look!
Here's What Makes This Product Stand Out:
🚀 Up to 13% Premium Enhancement
The Smart Start Accumulator Plus 5 offers two options to give clients an immediate boost to their annuity value:
Unlike bonuses that apply only to a separate benefit base, these enhancements are applied directly to the annuity's contract value, subject to applicable contract provisions.
🛡️ Smarter Start Guarantee – First-Year Interest Protection
Clients selecting one of the three pre-designed portfolio allocations receive a guaranteed minimum first-year index interest credit.
- Receive the greater of the stated first-year guaranteed credit or the earned index credit.
- Helps clients get a positive start regardless of first-year index performance.
- Available with Conservative, Moderate, and Aggressive portfolio allocations.
📈 Three Simplified Portfolio Allocations
American National makes allocation decisions easier with three professionally designed options:
- Conservative: Emphasizes stability with greater fixed-account allocation.
- Moderate: Balances growth potential and risk exposure.
- Aggressive: Emphasizes greater index-linked accumulation potential.
All three options automatically rebalance annually. Custom allocations are also available but do not qualify for the Smarter Start Guarantee.
💰 Liquidity and Flexibility
- 5-year surrender charge period
- 10% annual free withdrawals, subject to contract provisions.
- With the fee-based premium enhancement option, unused withdrawal privileges may carry over, allowing up to 20% in a subsequent contract year.
- Confinement, disability, and terminal illness waivers, subject to eligibility requirements.
Who Should You Be Talking To?
Consider clients who:
- Have CDs coming due and are exploring alternatives.
- Want growth potential without direct stock market exposure.
- Are looking to protect a portion of their retirement assets from index-related market losses.
- Have a 5-year-plus planning horizon and limited near-term liquidity needs.
- Are interested in a premium enhancement that is added to their annuity value.
Let's Find Your Next Opportunity!
The Smart Start Accumulator Series 5 gives you another solution to discuss with clients seeking a balance of accumulation potential, protection, and flexibility.
Contact me today for current rates, illustrations, product details, and help identifying which clients may be a good fit.
Let's put American National's Smart Start Accumulator Series 5 to work for your clients!
