| American National |
|
Citadel 5 Diamond |
| A |
| 1 Year(s) |
| $100K+ |
$5K+ |
|
|
| 3.10% |
3.00% |
|
|
| N/A |
N/A |
|
|
| N/A |
N/A |
|
|
| 1.00% |
1.00% |
|
|
| The 1st Year Rate is base rate plus 1.00% bonus. Base rate is guaranteed for 2 years. |
| 60 Days from Date of Application |
| $1,000,000 without prior home office approval |
| $5,000 |
| Single with add-in feature in the first 12 months. |
| N/A |
| N/A |
| 3.00%-2.00% or Index - new minimum interest rates will be applied by state and can change monthly. Click Here For Details |
| 85 |
| 5 Years
7,7,7,6,5, 0% |
| |
| No |
| No |
| 10% of annuity value as of the beginning of each policy year, including first year |
| No |
| Yes: If the contract owner is confined for more than 60 consecutive days to a state licensed health care facility or hospital. The contract owner must be age 80 or younger (and not confined) on the date of issue. |
| Yes: If the contract owner is diagnosed with a terminal illness after annuity is issued. |
| N/A |
| |
| None |
| Minimum surrender value is a return of premiums paid, less any cumulative withdrawals. |
|
|
| Commission Chargeback:
100% of commission will be recaptured on the Citadel 5 if during the first policy year a policy terminates due to a death claim (ages 80+) or policy surrender (all ages). This chargeback processing applies to partial cash surrenders but only to the portion of a partial surrender that is subject to surrender charge. |
| Not Available in NY |
| Click Here |
| Click Here |
| Citadel 5 Diamond Client Sales Literature |
|
Click Here  |
|
| Click Here |
Click Here  |
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