ISN     Insurance Sales Network

 

Home

Contest / Trip

 
Product Training
   Highlights
   Sales Guide
Recruiting Tool
   Overcoming Objections
   Quick Reference Guide
Marketing Materials
Withdrawal Fliers
Advertising
Settlement Options
State Approvals

Contract with ISN to Sell

American National's

Annuity Product Line

Download the Contract

Once you have completed the contract, Fax or Mail it back to us.

 

American National  - BenchMark Reliance Annuity

Overview

What’s in it for my Clients?

The safety and security of a traditional fixed annuity with a strong combination of benefits:

Extra First-Year Interest

  • Additional 2%, 4%, 6%, or 8% interest boosts earnings, regardless of when premiums are received within the first 10 contract years.

Strategy Choices

  • Guaranteed one-year strategies lock in gains daily.
  • Index strategies base earnings on performance of high-quality Treasuries or investment-grade corporate bonds.

Liquidity and Accessibility Options**

  • Five options give clients quick access to their money.

Integrity and Security

  • Strong guarantees safeguard earnings.
  • Carrier strength inspires confidence.
  • Options 7, 8 and 9 can be used for Medicaid planning.

Whats in it for Me?

The ability to reassure clients with a strong combination of benefits that includes:

  • 2%, 4%, 6%, or 8% extra first-year interest for all premiums.
  • The ability to lock in gains or maximize returns.
  • Five ways to access their money.
  • Integrity and security of strong guarantees.

Competitive compensation, including elective trailing

Product Features


Extra First Year Interest

Whats in it for my Clients?

A jump-start on earnings with an additional 2%, 4%, 6%, or 8% first-year interest.

The extra interest is credited daily over the first year and applies to all premium payments, regardless of when premiums are received within the first 10 contract years.


Whats in it for Me?

Extra first-year interest annuities let you tailor this product to meet client needs.

A competitive advantage!

 

Strategy Choices

 

Whats in it for my Clients?

Cash Value Strategies®† give clients control over their annuity's potential growth. Clients may choose a guaranteed one-year strategy and/or one or both of the index strategies.

Guaranteed one-year strategies offer the security of locked-in gains. Clients who choose a guaranteed one-year strategy receive the higher of the portfolio rate or the current market rate for first-year premium, and the portfolio rate upon renewal.

  • Guaranteed One-Year Strategy—Traditional, declared rate strategy.
  • Guaranteed One-Year Current Market Strategy—Bases earnings on available current market investments. Renews at the Guaranteed One-Year Strategy yield. (Available for first-year premium only.)

Index strategies provide the opportunity to maximize earnings.

  • Index 10-Year Treasury Strategy—Yield based on performance of high-quality Treasuries.
  • Index Corporate Bond Strategy—Yield based on performance of investment-grade corporate bonds.


Whats in it for Me?

An edge on the competition. With BenchMark RelianceSM,* you offer clients:

  • Ability to lock in gains with a guaranteed one-year strategy or to maximize earnings through two index strategies.
  • Assurance with guaranteed one-year strategies that the rate you quote on transfers is the one your client will receive.††
  • Strategies for conservative planners and for performance seekers.

Liquidity and Accessibility


Whats in it for my Clients?

The security of knowing that their money is available when needed.

Surrender charge-free withdrawals—A portion of available cash value can be accessed each contract year, including the first year.

"Checkbook" access—Owners can write up to two drafts per year ($25 per draft thereafter) for a minimum of $500 per draft, payable to their bank.

Confinement Waiver—Lets clients access all or part of their available cash value without surrender charge or adjustment if confined to a hospital, hospice facility, or nursing home. Amount available depends on age at issue.

Substantially Equal Periodic Payments (SEPP)—Allows clients to avoid incurring income tax penalties on withdrawals prior to age 59½.

Systematic Income Option—Available on an annual, semiannual, quarterly, or monthly basis.


What's in it for Me?

The ability to reassure clients that some of their money is available for emergencies.

The more ways your clients can access their money, the more comfortable they will be with their annuity.

Knowing they can write a "check" if necessary is especially comforting to clients.

Meet client liquidity needs by using the full liquidity and accessibility of the contract!

 

Guarantees


What's in it for my Clients?

The security of knowing their money is protected by guarantees.

Clients are guaranteed to:

  • Earn interest on 100% of their principal, less surrender charges, if applicable.
  • Choose from Cash Value Strategies®.†
  • Access a portion of their cash value each year.
  • Earn no less than a guaranteed interest rate on 100% of premium. The minimum interest rate depends upon the product purchased.
  • Select a settlement option after the first year.
What's in it for Me?

A solid client-Producer relationship built on trust and integrity.

Comfort knowing your clients are protected and that their principal and earnings are secure.

"Put-it-in-writing-type" clients can rest assured with BenchMark RelianceSM.*

 

Commissions


What's in it for Me?

Pay-for-performance contract.

No chargebacks upon death or surrender after free-look period.

No commission reduction for election of Settlement Options 7 or 8 or substantially equal periodic payments (SEPP).

No mandatory trailing commission.

Choice of elective trailing commissions. Percentage splits available are 75/25, 50/50, and 25/75 (up front/trailing).

Fabulous incentive trips, with qualification based on amount of commissions earned.

If you have questions about the following products please contact the Insurance Sales Network

Agent information only