ANICO Smart Start Accumulator™ FIA
Fixed Indexed Annuity
Up to 20% Premium Enhancement* — Best Entry Window with 90-Day Look-Back.
Why Offer the Smart Start Accumulator FIA?
The American National (ANICO) Smart Start Accumulator gives your clients a head-start with up to a 20% Premium Enhancement*, powerful growth potential through leading indices like the S&P 500® and Invesco QQQ®, and the exclusive Best Entry Window—plus strong commissions and competitive caps, making it a standout choice in the FIA marketplace.
Talking Points
- Up to 20% Premium Enhancement* (day one, with fee option) – Available up to max issue age of 85
- Best Entry Window – 90-day look-back locks in the lowest index value after issue
- Competitive caps & participation – S&P 500 cap up to 11.25% (no bonus option); 6.75% cap with the premium enhancement; up to 100% participation on Morningstar Wide Moat VC
- Diverse index options – S&P 500®, Invesco QQQ®, Morningstar®, and more
- Client-friendly liquidity – Free withdrawals up to 20% annually (Plus option)
- Protection features – Confinement, disability, and terminal illness waivers
- Advisor advantage – No chargebacks for death (alternate death benefit story)
Position Smart Start for conservative money where clients want principal protection, plus a strong “enhancement + index opportunity” story—especially when timing the Best Entry Window.
*Premium enhancement of 20% with fee, 14% with no fee.
Key Benefits for Agents
Reference the Product Guide, Rate Sheet, Consumer Brochure, and State Availability for full details, crediting terms, allocations, caps/participation, bonus requirements, and any limitations. Information subject to change.
Agent Resources
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Rates are effective 08/01/2025 and are subject to change.
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