| Life
Insurance - Riders |
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| Disability
Premium Waiver |
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Provides that American National will waive the premiums for this policy
if you become disabled. (Disability must be continuous for at least
six months and must begin before age 60.) (Form LPW84) |
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| Accidental
Death Benefit |
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Provides an additional amount payable in the event of your death
as the result of an accident. (Form DAM84)
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| Children's
Term Rider |
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Insures each child age 15 days through 18 years at issue while
the benefit is in force. Coverage on each child terminates at age
25, but each $1,000 of coverage may be converted to as much as $5,000
of permanent insurance without new evidence of insurability. (Form
CTR88)
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| Spouse
Term Rider |
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Insures your spouse for a specified time. This term coverage is
convertible to a permanent life insurance policy on the life of
the spouse. (Form SARTR94)
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| Additional
Insurance Option Rider |
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Makes it possible for you to increase the specified amount of insurance
at specified ages or events (such as the birth of a child), and
allows you to do so regardless of health, occupation or military
status. (Form GIO90)
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| Accelerated
Benefits Option Rider |
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(Not available with term policies) Under this rider, you may be
able to receive, in advance, a part of your policy's death benefit
before you die, if you become terminally ill (written proof will
be required) and have less than 12 months to live. The initial benefit
wil be 50% of the eligible death benefit or $250,000, whichever
is less. Subsequent accelerated benefit may be advanced to cover
interest charges or premium payment. Maximum benefit under this
rider wil be 80% of the eligible death benefits or $400,000, whichever
is less. This rider is not approved in all states. (Form
ACC91)
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A two-year suicide
provision is included in policies (one year in Colorado and North
Dakota). If a policyholder commits suicide during the first two
policy years, only a refund of premiums will be made (Missouri requires
coverage for acts of suicide, unless it can be proved that the insured
intended suicide at the time the application was completed).
The foregoing
is neither a contract nor an offer to contract, but is a general
description of benefits available under a policy providing the benefits
outlined. The exact provisions, terms and conditions of the contract
are set forth in detail in any such policy as may be issued.
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American National
Insurance Company, Galveston, TX
American National Property and Casualty Companies, Springfield,
MO
Products
and services not available in all states
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