American National Smart Start Accumulator Plus 10 Bonus No Fee overview
The Smart Start Accumulator Plus 10 Bonus No Fee earns interest from the performance of a market index, yet your money is never invested in the market itself. When the index falls during a crediting period, the credit is zero rather than a loss.
Its best S&P 500 1-year point-to-point cap is currently 6.50% at a $100,000 premium, one of 15 crediting strategies on the contract. Every strategy's current terms are in the menu below.
The tradeoff is access and upside. Withdrawals above the free amount face a surrender charge for 10 years, and index credits are limited by caps, participation rates, or spreads.
Crediting strategy menu
These are the carrier's filed rates by premium band, refreshed automatically from our live feed. The Reference cap tag marks the strategy we use to rank this product against its peers.
| Strategy | Type | Term | Cap | Par | Spread | Fixed / Trigger | Fee |
|---|---|---|---|---|---|---|---|
| Declared Rate | Fixed | 1-yr | — | — | — | 3.00% | — |
| Declared Rate | Fixed | 1-yr | — | — | — | 4.00% | — |
| Invesco QQQ Portfolio Plus Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 35% | — | — | — |
| Invesco QQQ Portfolio Plus Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 45% | — | — | — |
| Invesco QQQ Portfolio Plus Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 50% | — | — | — |
| Morningstar Global Wide Moat VC7 Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 50% | — | — | — |
| Morningstar Global Wide Moat VC7 Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 60% | — | — | — |
| Morningstar Global Wide Moat VC7 Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 65% | — | — | — |
| S&P 500 Dynamic Intraday TCA Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 35% | — | — | — |
| S&P 500 Dynamic Intraday TCA Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 40% | — | — | — |
| S&P 500 Dynamic Intraday TCA Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 45% | — | — | — |
| S&P 500 MARC 5% Excess Return Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 45% | — | — | — |
| S&P 500 MARC 5% Excess Return Index Point-to-Point Uncapped | Point-to-point | 1-yr | — | 55% | — | — | — |
| S&P 500 Point-to-Point with Cap | Point-to-point | 1-yr | 5.20% | — | — | — | — |
| S&P 500 Point-to-Point with CapReference cap | Point-to-point | 1-yr | 6.50% | — | — | — | — |
A cap sets a ceiling on the credit. A participation rate credits a percentage of the index gain. A spread subtracts a fixed amount before crediting the rest. Strategy fees, where shown, are charged whether or not the strategy credits.
Compare all fixed index annuity rates to see how these terms line up against every carrier in our live feed.
Getting your money out
The contract allows 10% out without a surrender charge.
The surrender charge starts at 10.00% in year 1 and steps down to 1.00% in year 10. Those charges apply to the amount you withdraw above the free allowance.
A market value adjustment also applies during the surrender period. It can raise or lower an early withdrawal depending on how interest rates have moved since the contract was issued.
Who this fits
This contract fits money that can stay put for 10 years and a saver who wants a floor under a portion of retirement savings. It suits dollars that would otherwise sit in bonds or CDs but can accept a range of outcomes in exchange for more upside.
It does not fit an emergency fund or money with a known near-term spending date. A buyer who wants full market upside will find the caps and participation rates limit strong years, and withdrawals before age 59½ can carry a 10% IRS early withdrawal penalty on top of ordinary income tax.
Not sure this is the right fit? Take our annuity guide quiz and we will point you to the product types that match your timeline and your goal.
See what the Smart Start Accumulator Plus 10 Bonus No Fee would pay you
Send us your premium amount, your state, and when you need the money. We will come back with current numbers on this contract and the comparable ones from the 90+ top annuity companies on our platform, in writing.
Or call 855-277-8088
About American National
American National holds an A.M. Best financial strength rating of A. An annuity's guarantees rest on the issuing carrier's claims-paying ability, and no annuity is FDIC insured.
The contract is currently filed in 50 states. Availability and product versions vary by state, so confirm your state before applying.
To see how American National measures up on size, ratings, and product lineup, compare the top annuity companies we place business with.
For the company's history, ratings, and full product lineup, read our American National annuity review.
Other American National index annuities
Same carrier, different surrender terms and rate sheets. Caps shown are the best S&P 500 1-year point-to-point cap at a $100,000 premium, refreshed from the same live feed as this page.
| Product | Surrender | S&P 500 1-yr cap |
|---|---|---|
| American National Rate Constant Annuity | 5, 7, 10, 20 yrs | – |
| American National Smart Start Accumulator | 5, 10 yrs | 11.00% |
| American National Smart Start Accumulator Plus Bonus with Fee | 5, 10 yrs | 6.50% |
| American National Strategy Indexed Annuity PLUS | 7, 10 yrs | 10.70% |
Frequently asked questions
What is the current cap on the Smart Start Accumulator Plus 10 Bonus No Fee?
Its best S&P 500 1-year point-to-point cap is 6.50% at a $100,000 premium as of Nov 9, 2026. Carriers reprice caps regularly, so treat this as a snapshot of the current rate sheet rather than a permanent number.
How many crediting strategies does the Smart Start Accumulator Plus 10 Bonus No Fee offer?
It currently offers 15 strategies across fixed, capped, participation, and trigger designs. Each strategy has its own current terms by premium band, listed in the strategy menu on this page.
Is my money locked up for 10 years?
Not locked, but charged. The contract allows 10% out without a surrender charge. Withdrawals above that allowance face the surrender schedule shown on this page, plus a market value adjustment.
How does the Smart Start Accumulator Plus 10 Bonus No Fee compare to similar annuities?
It currently ranks #45 of 89 among 8-10 year fixed index annuities in our live carrier feed, ranked by S&P 500 1-year cap at a $100,000 premium. That standing refreshes automatically as carriers reprice.
Is the Smart Start Accumulator Plus 10 Bonus No Fee FDIC insured?
No annuity is FDIC insured. Every guarantee in the contract is an obligation of American National, which holds an A.M. Best financial strength rating of A.
How we know what's on this page
Rates, terms & availability
Every number on this page comes from the carrier's filed rate sheets in our live rate feed, refreshed daily. Nothing is typed in by hand, so the figures update automatically when American National reprices.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Peer standing
We rank each product's best S&P 500 1-year cap at a $100,000 premium against contracts with similar surrender periods in the same feed. Where a fact is not in the feed, the page leaves it out rather than estimating.
Rates and rankings on this page come from each carrier's filed rates in our live feed as of Nov 9, 2026 and refresh automatically. Rates vary by premium amount and state. This is rate information, not a quote or a recommendation. Guarantees are backed by the claims-paying ability of American National.
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