• Tax-free benefit. No other product will provide such a large, instant cash windfall, income-tax free, at the very time it is needed most. (IRC Sec. 101 life insurance proceeds are generally held to be tax-free).
• Benefit is paid immediately. Your beneficiary will receive the policy proceeds without the inconveniences of the probate process.
• Financial privacy. Life insurance is not a matter of public record. Your beneficiary will receive the death benefit discreetly upon your death.
• Premium payments. After an initial specified period, the life insurance benefits provided by these plans may be kept in force by the payment of increasing premiums through age 95 for some products. No additional evidence of insurability will be required after your policy is issued.
• Convertibility. An attractive alternative to the increasing cost of term coverage is the ability to convert that coverage to permanent life insurance. These term products contain a conversion option which you may exercise during the policy's early years, depending on your age and the term policy you choose. Check your policy for conversion details. This conversion privilege allows you to convert to a permanent policy without furnishing additional evidence of insurability. American National offers a wide array of competitive permanent insurance plans with level premiums and tax-favored cash accumulation potential.
• Preferred ratings available. If you're applying for at least $100,000 of coverage, you may qualify for one of the company's "preferred" underwriting ratings, thereby reducing your premium.

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 proven 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 an such policy as may be issued.

We believe an ideal financial strategy should:

• Be self completing
• Allow you to make flexible payments over the years
• Grow steadily and dependably at a competitive rate of interest, comparable to or better than certificates of deposit
• Grow tax-deferred
• Minimize the amount of taxes you pay and maximize the dollars that stay in your pocket and the pockets of your family members.

Representing

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company (ANPAC®), Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, IL.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.