American Life

American Life

American Select

Fixed Indexed Annuity

Financial Flexibility for Your Future

American Select, American Life’s Fixed Indexed Annuity, is designed for individuals looking to take advantage of potential market gains without the risk of loss. American Select offers flexible participation in any of three reputable indices or a fixed rate, so you can customize how your money is allocated over time to meet your needs. When markets grow, you gain, but should markets decline, your principal remains protected.

How Does the American Select Work?
Customers enter into a contract with American Life and pay an upfront initial premium. Your money grows based on your selected index performance while your principal remains protected from loss. You get to choose your allocation across four different index options or a fixed rate and can change the allocation year-to-year to meet your needs. You aren’t taxed until you make a withdrawal so your money can grow at its full potential, and after 10 years you can begin to withdraw all or some of your account without penalty.
More Options and Flexibility
You have the power to customize your plan as your financial needs change. Perhaps you are confident in the markets and want the opportunity to generate a higher return than a fixed interest rate would allow. Or perhaps you are navigating a time of financial uncertainty and need a more stable return. With American Select, you get to choose how your money is allocated each year to meet your needs. We offer participation in three indices: Janus SG Guidance Index: Value Lock, S&P 500 Index, and MARC 5% Index, or a fixed account option.
Plan Allocation Options
Janus SG Guidance Index: Value Lock
American Life exclusively offers access to this new index that uses an innovative stock selection methodology and protection features to potentially outperform market benchmarks like the S&P 500.

S&P 500 Index
The S&P 500 follows the top 500 U.S. companies and is one of the most established indices. We offer the option to participate in the index gains at a participation rate or 100% participation, subject to a cap.

S&P MARC 5% Index
The MARC 5 is a multi-asset strategy that allocates between equities, commodities, and fixed income in order to reduce risk and generate return.

Fixed Account
You can allocate some or all your funds into an account that earns a fixed interest rate for any period during your term. This fixed rate is guaranteed for a 1-year term and will never be below the minimum guaranteed rate in your contract.
What Makes Us Different?
American Life is the only insurer to offer Janus SG Guidance Index: Value Lock.
American Life uses innovative cloud-based technology to keep costs low so we can offer the best value and competitive rates to our customers.

Benefits of an American Select Fixed Indexed Annuity

Sheltered Growth

While your return is based on market performance, your principal is protected from loss should the markets enter a downturn.

Secure

American Life is secure, highly rated (A.M. Best B++), and backed by financially-sound business partners.

Flexible

You can allocate your funds to participate in any combination of three equity indices or a competitive fixed interest rate account to meet your financial needs.

Tax-Deferred

You don’t pay income taxes until you make a withdrawal, so your earnings can grow at their full potential.

Exclusive Index Access

Get exclusive access to participate in the new Janus SG Guidance Index: Value Lock, which uses innovative features to potentially outperform market benchmarks like the S&P 500.

Higher Return Potential

You can earn a higher return than a fixed interest rate alone would allow when markets perform well, while your principal is protected against loss.

View Product Disclaimers
The American Select, form no. ICC19-FIA 001, is a Fixed Indexed Annuity product issued by American Life & Security Corp., a Nebraska insurer based in Lincoln, Nebraska. Certain features of this product may vary by State. Product may not be offered in every State. The American Select is an annuity product. It is NOT an investment. Always consult the policy language for specific details regarding your policy.

American Life does not control the reference Indices. The index provider reserves all rights and retains the authority to determine as to the manner in which the Index is calculated and constructed, including but not limited to, having the right to change the composition of the constituents making up the Index, changing the methodology by which the Index is computed, and terminating the Index.

Janus SG Guidance Index: Value Lock

The Janus SG Guidance Index: Value Lock (the “Index”) is the exclusive property of Société Générale (Société Générale, together with its affiliates, “SG”). SG has contracted with Solactive AG (“Solactive”) to maintain and calculate the Index. “Société Générale”, “SG”, SG Americas Securities, LLC”, “SGAS”, and “Janus SG Guidance Index: Value Lock” (collectively, the “SG Marks”) are trademarks or service marks of SG or have been licensed for use by SG from Janus Henderson Indices LLC and its affiliates (“Janus Henderson”). SG has licensed use of the SG Marks to American Life & Security Corp. (“American Life”) and sub-licensed the use of certain Janus Henderson marks (the “Janus Henderson Marks”) for use in a fixed indexed annuity offered by American Life (the “Fixed Indexed Annuity”). SG’s sole contractual relationship with American Life is to license the Index and the SG Marks and sub-licence the Janus Henderson Marks to American Life. None of SG, Solactive, Janus Henderson or other third party licensor (collectively, the “Index Parties”) to SG is acting, or has been authorized to act, as an agent of American Life or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Fixed Indexed Annuity or provided investment advice to American Life.

No Index Party has passed on the legality or suitability of, or the accuracy or adequacy of the descriptions and disclosures relating to, the Fixed Indexed Annuity, including those disclosures with respect to the Index. The Index Parties make no representation whatsoever, whether express or implied, as to the advisability of purchasing, selling or holding any product linked to the Index, including the Fixed Indexed Annuity, or the ability of the Index to meet its stated objectives, including meeting its target volatility. The Index Parties have no obligation to, and will not, take the needs of American Life or any annuitant into consideration in determining, composing or calculating the Index. The selection of the Index as a crediting option under a Fixed Indexed Annuity does not obligate American Life or SG to invest annuity payments in the components of the Index.
THE INDEX PARTIES MAKE NO REPRESENTATION OR WARRANTY WHATSOEVER, WHETHER EXPRESS OR IMPLIED, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES (INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE), WITH RESPECT TO THE INDEX OR ANY DATA INCLUDED THEREIN OR RELATING THERETO, AND IN PARTICULAR DISCLAIM ANY GUARANTEE OR WARRANTY EITHER AS TO THE QUALITY, ACCURACY, TIMELINESS AND/OR COMPLETENESS OF THE INDEX OR ANY DATA INCLUDED THEREIN, THE RESULTS OBTAINED FROM THE USE OF THE INDEX AND/OR THE CALCULATION OR COMPOSITION OF THE INDEX, OR CALCULATIONS MADE WITH RESPECT TO ANY FIXED INDEXED ANNUITY AT ANY PARTICULAR TIME ON ANY PARTICULAR DATE OR OTHERWISE. THE INDEX PARTIES SHALL NOT BE LIABLE (WHETHER IN NEGLIGENCE OR OTHERWISE) TO ANY PERSON FOR ANY ERROR OR OMISSION IN THE INDEX OR IN THE CALCULATION OF THE INDEX, AND THE INDEX PARTIES ARE UNDER NO OBLIGATION TO ADVISE ANY PERSON OF ANY ERROR THEREIN, OR FOR ANY INTERRUPTION IN THE CALCULATION OF THE INDEX. NO INDEX PARTY SHALL HAVE ANY LIABILITY TO ANY PARTY FOR ANY ACT OR FAILURE TO ACT BY THE INDEX PARTIES IN CONNECTION WITH THE DETERMINATION, ADJUSTMENT OR MAINTENANCE OF THE INDEX. WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL AN INDEX PARTY HAVE ANY LIABILITY FOR ANY DIRECT DAMAGES, LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

No Index Party is a fiduciary or agent of any purchaser, seller or holder of a Fixed Indexed Annuity. None of SG, Solactive, Janus Henderson, or any third party licensor shall have any liability with respect to the Fixed Indexed Annuity in which an interest crediting option is based on the Index, nor for any loss relating to the Fixed Indexed Annuity, whether arising directly or indirectly from the use of the Index, its methodology, any SG Mark, Janus Henderson Mark or otherwise. Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of American Life.
In calculating the performance of the Index, SG deducts a maintenance fee of 0.50% per annum, calculated on a daily basis. Because the Index can experience potential leverage up to 200%, these fees may be as high as 1.00% per year. This fee will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control mechanism applied by SG may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls.

S&P 500® and S&P MARC 5% Index

The S&P 500® and the S&P MARC 5% (Multi-Asset Risk Control) Index ER (the “Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by American Life & Security Corp. (American Life). Standard & Poor’s® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by American Life. It is not possible to invest directly in an index. American Life’s product(s) are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the American Life’s product(s) or any member of the public regarding the advisability of investing in securities generally or in American Life’s product(s) particularly or the ability of the Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to American Life with respect to the Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Index is determined, composed and calculated by S&P Dow Jones Indices without regard to American Life or American Life’s product(s). S&P Dow Jones Indices have no obligation to take the needs of American Life or the owners of American Life’s product(s) into consideration in determining, composing or calculating the Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of American Life’s product(s) or the timing of the issuance or sale of American Life’s product(s) or in the determination or calculation of the equation by which American Life’s product(s) are to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of American Life’s product(s). There is no assurance that investment products based on the Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment or tax advisor. A tax advisor should be consulted to evaluate the impact of any tax-exempt securities on portfolios and the tax consequences of making any particular investment decision. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY AMERICAN LIFE, OWNERS OF AMERICAN LIFE’S PRODUCT(S), OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND AMERICAN LIFE, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.