American National Variable Annuity Separate Account (Exact Name of Registrant)
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SECURITIES AND EXCHANGE COMMISSION FORM 485BPOS Post-effective amendments [Rule 485(b)] Filing Date: 2017-04-27 SEC Accession No. 0001193125-17-143249 (HTML Version on secdatabase.com) FILER AMERICAN NATIONAL VARIABLE ANNUITY SEPARATE Mailing Address Business Address ONE MOODY PLAZA ONE MOODY PLAZA ACCOUNT CORPORATE COMPLIANCE CORPORATE COMPLIANCE 14TH FL 14TH FL CIK:899732| IRS No.: 740484030 | State of Incorp.:TX | Fiscal Year End: 1231 GALVESTON TX 77550 GALVESTON TX 77550 Type: 485BPOS | Act: 33 | File No.: 333-30318 | Film No.: 17789981 409-766-6845 AMERICAN NATIONAL VARIABLE ANNUITY SEPARATE Mailing Address Business Address ONE MOODY PLAZA ONE MOODY PLAZA ACCOUNT CORPORATE COMPLIANCE CORPORATE COMPLIANCE 14TH FL 14TH FL CIK:899732| IRS No.: 740484030 | State of Incorp.:TX | Fiscal Year End: 1231 GALVESTON TX 77550 GALVESTON TX 77550 Type: 485BPOS | Act: 40 | File No.: 811-07600 | Film No.: 17789982 409-766-6845 Copyright © 2017 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM N-4 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Post-Effective Amendment No. 19 and/ or REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 Amendment No. 56 American National Variable Annuity Separate Account (Exact Name of Registrant) American National Insurance Company (Name of Depositor) One Moody Plaza, Galveston, Texas 77550 (Address of Depositors Principal Executive Offices) (Zip Code) (409)763-4661 (Depositors Telephone Number, Including Area Code) Name and Address of Agent for service: Please send copies of communications to: Dwain Akins, Esq., Senior Vice President Gregory Garrison American National Insurance Company Greer, Herz & Adams, L.L.P. One Moody Plaza With copy to: One Moody Plaza Galveston, TX 77550 Galveston, Texas 77550 Approximate Date of Proposed Public Offering It is proposed that this filing will become effective (check appropriate box): ☐ Immediately upon filing pursuant to paragraph (b) of Rule 485. ✓ On May 1, 2017 pursuant to paragraph (b) of Rule 485. ☐ 60 days after filing pursuant to paragraph (a)(1) of Rule 485. ☐ On May 1, 2017 pursuant to paragraph (a)(1) of Rule 485. If appropriate, check the following box: ☐ This post-effective amendment designates a new effective date for a previously filed post-effective amendment. Title of Securities Being Registered: deferred variable annuity contract Copyright © 2017 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Table of Contents WEALTHQUEST III VARIABLE ANNUITY Issued by American National Insurance Company Home Office: One Moody Plaza, Galveston, Texas 77550-7947 1-800-306-2959 To make Service, Transaction Requests, or Additional Purchase Payments, mail to: American National Variable Contracts Department P. O. Box 9001, League City, Texas 77574 NOTE: Effective June 1, 2017, the mailing address will be P. O. Box 1893, Galveston, Texas 77553-1893 Proper Lockbox Payments may also be sent to P. O. Box 4531, Houston, Texas 77210-4531 Prospectus May 1, 2017 This Prospectus describes a deferred Variable Annuity Contract issued to either individuals or groups depending upon the state in which the Contract is issued. (See the Type of Contract provision of this Prospectus.) You can allocate your Contract value to the American National Variable Annuity Separate Account (the Separate Account), which reflects the investment performance of the Portfolios selected by you, and our Fixed Account which earns a guaranteed minimum interest rate. Each Subaccount of the Separate Account invests in shares of a corresponding Portfolio listed below: Fidelity® Variable Insurance Products Service Class 2 Federated Insurance Series VIP Government Money Market Portfolio Federated Managed Volatility Fund II VIP Mid Cap Portfolio Federated High Income Bond Fund II Primary Shares VIP Index 500 Portfolio Federated Fund for U.S. Government Securities II VIP Contrafund® Portfolio Federated Kaufmann Fund II Primary Shares VIP Growth Opportunities Portfolio Federated Quality Bond Fund II Primary Shares VIP Equity-Income Portfolio VIP Investment Grade Bond Portfolio The Alger Portfolios Class I-2 Shares VIP Growth & Income Portfolio Alger Small Cap Growth Portfolio2 VIP Value Portfolio Alger Large Cap Growth Portfolio VIP Value Strategies Portfolio Alger Mid Cap Growth Portfolio Alger Capital Appreciation Portfolio T Rowe Price Alger Growth & Income Portfolio Equity Income Portfolio Alger Balanced Portfolio Mid-Cap Growth Portfolio1 International Stock Portfolio AIM Variable Insurance Funds (Invesco Variable Insurance Limited-Term Bond Portfolio Funds) Series I Shares Invesco V.I. Global Health Care Fund MFS ® Variable Insurance Trust (VIT) Initial Class Shares Invesco V.I. Small Cap Equity Fund MFS Growth Series (VIT) Invesco V.I. Managed Volatility Fund MFS Research Series (VIT) Invesco V.I. Mid Cap Growth Fund MFS Investors Trust Series (VIT) Invesco V.I. Diversified Dividend Fund MFS ® Variable Insurance Trust II (VIT II) Initial Class Shares Invesco V.I. Technology Fund MFS Core Equity Portfolio (VIT II) Invesco V.I. Global Real Estate Fund 1 Not available for investment in Contracts issued on or after May 1, 2004. 2 Not available for investment for Contracts issued on or after June 1, 2007. This Prospectus contains information that you should know before purchasing a Contract. Additional information about the Contract is contained in a Statement of Additional Information (SAI) filed with the Securities and Exchange Commission, (SEC) which is incorporated by reference into this Prospectus. You may obtain a free copy of the SAI, which is dated the same date as this Prospectus, by writing us at American National Variable Contracts Department, P. O. Box 9001, League City, Texas 77574, or calling us at 1-800-306-2959. NOTE: Effective June 1, 2017, the mailing address will be P. O. Box 1893, Galveston, Texas 77553-1893. The Table of Contents of the SAI appears on the last page of this Prospectus. The SEC maintains an Internet web site (http://www.sec.gov) that contains material incorporated by reference into this Prospectus, SAI, and other information regarding companies that file electronically with the SEC. For more information on the Portfolios, see their prospectuses. The Securities and Exchange Commission has not approved or disapproved these securities or passed upon the adequacy of this Prospectus. Any representation to the contrary is a criminal offense. Interests in the Contract are not deposits or obligations of, or guaranteed or endorsed by any bank, nor is the Contract federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency. The Contract involves investment risk, including possible loss of principal. Copyright © 2017 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Please read this Prospectus carefully and keep it for future reference. Form 4879 Rev 5-17 Copyright © 2017 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Table of Contents TABLE OF CONTENTS Page Glossary 4 Synopsis 5 What is the purpose of the Contract? 5 What are my investment options? 5 How do I purchase a Contract? 5 How do I allocate Purchase Payments? 5 Can I transfer amounts among the investment alternatives? 5 What is the death benefit under the Contract? 6 Can I get my money if I need it? 6 How can I receive annuity payments? 6 What are the charges and deductions under the Contract? 6 What are the tax consequences associated with the Contract? 6 If I have questions, where can I go? 7 Fee Tables 7 Expenses Before the Annuity Date 7 Contract Owner Transaction Expenses 7 Sales Load as a Percentage of Purchase Payments 7 Deferred Sales Load (Surrender Charge) 7 Periodic Charges Other Than Portfolio Expenses 8 Annual Portfolio Expenses 8 Expenses During the Annuity Period 8 Accumulation Unit Values 12 Contract 52 Type of Contract 52 Contract Transactions 52 Contract Application and Purchase Payments 52 Allocation of Purchase Payments 53 Ways to Make Purchase Payments 53 Crediting of Accumulation Units 53 Allocation of Charges and Other Deductions to the Subaccounts and the Fixed Account 53 Determining Accumulation Unit Values 54 Transfers 54 Telephone Transactions 57 Special Programs 57 Charges and Deductions 58 Surrender Charge 58 Other Charges 59 Deduction of Fees 60 Exception to Charges 60 Distributions Under the Contract 60 Distributions Before Annuity Date 60 Surrenders 60 Systematic Withdrawal Program 61 Waiver of Surrender Charges 61 Copyright © 2017 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document 2 Copyright © 2017 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Table of Contents Death Benefit Before Annuity Date 62 Minimum Guaranteed Death Benefit Rider 63 3% Guaranteed Death Benefit Rider 64 5% Guaranteed Death Benefit Rider 64 Distributions During the Annuity Period 64 Election of Annuity Option 64 Annuity Options 65 Value of Variable Basis Annuity Payments 66 Assumed Investment Rates 66 Annuity Provisions 67 The Company, Separate Account and Funds 67 American National Insurance Company 67 The Separate Account 67 The Funds 68 Voting Rights 72 Changes in Investment Options 73 Fixed Account 73 Federal Tax Matters 74 Introduction