Life Insurance

Your family depends on you for care, for stability and for financial security. While you can’t guarantee you’ll always be there for your loved ones, life insurance lets you still provide for them even after you’re gone. With life insurance you can leave a legacy of care, stability and financial security for the ones you love the most. In addition, your life insurance policy value growth is tax deferred.

We are gratified to regularly hear the stories of people who have been financially cared for by their loved ones via life insurance. It is a lasting legacy and a testament to the enduring power of love.

American National offers a wide range of life insurance products to suit a variety needs and situations:

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Whole Life:

A lifetime of protection

Unexpected life events don’t have to create financial hardship for the ones you love. Long-term financial instruments such as whole life insurance offer a dependable way for you keep your loved ones financially secure even after you’ve gone.

When you choose one of American National’s whole life insurance policies, you’re choosing a lifetime of protection. Our whole life products provide guaranteed benefits for your loved ones after you’re gone, as long as the premiums are paid in a timely manner.

Features of whole life insurance include:

Fixed Premium

Budgeting is easy with a consistent premium payment.

Fixed Premium

Budgeting is easy with a consistent premium payment.

Accumulation of a Cash Value

Cash value accumulates over time, and some policies may allow you to borrow against it.

Accumulation of a Cash Value

Cash value accumulates over time, and some policies may allow you to borrow against it.

Fixed Benefit

You can choose the amount you leave to loved ones, and rest easy knowing that’s what they’ll get.

Fixed Benefit

You can choose the amount you leave to loved ones, and rest easy knowing that’s what they’ll get.

Life Paid-Up at 95
Graded Benefit Life

Life Paid-Up at 95

Guaranteed Death Benefit: The face amount of the policy will be paid to the beneficiary tax-free upon the death of the insured assuming no outstanding loans and premiums are paid as outlined in the policy.
Guaranteed Level Premiums: The level premiums are guaranteed to remain the same for the life od the policy. Premiums payable to age 95.
Guaranteed Cash Value: Through continued premium payments, the cash value will grow tax-deferred at a fixed rate and is available to borrow in the event of a financial emergency or other need.

Form Series: NPWL18

Graded Benefit Life

Available for individuals age 45-80 who cannot qualify for a standard or rated policy.
No underwriting requirements required to qualify. Qualification is based on questions in the application.
Guaranteed Death Benefit and Level premiums.
For the first two years, the Death Benefit is equal to 110% of the premium due and paid. Beginning the third policy year, the Death Benefit is equal to the face amount of the policy.
Full benefits for death by accident during the first two years.

Form Series: GBL21

Life Paid-Up at 95

Guaranteed Death Benefit: The face amount of the policy will be paid to the beneficiary tax-free upon the death of the insured assuming no outstanding loans and premiums are paid as outlined in the policy.
Guaranteed Level Premiums: The level premiums are guaranteed to remain the same for the life od the policy. Premiums payable to age 95.
Guaranteed Cash Value: Through continued premium payments, the cash value will grow tax-deferred at a fixed rate and is available to borrow in the event of a financial emergency or other need.

Form Series: NPWL18

Graded Benefit Life

Available for individuals age 45-80 who cannot qualify for a standard or rated policy.
No underwriting requirements required to qualify. Qualification is based on questions in the application.
Guaranteed Death Benefit and Level premiums.
For the first two years, the Death Benefit is equal to 110% of the premium due and paid. Beginning the third policy year, the Death Benefit is equal to the face amount of the policy.
Full benefits for death by accident during the first two years.

Form Series: GBL21

Universal Life:

A lifetime of options

Your life will change over time – your life insurance should be able to as well. Because no single insurance plan will work for everyone, American National offers universal life insurance. Like whole life, universal life is considered a permanent life insurance policy. However, universal life offers a much greater degree of flexibility for the policyholder in both premium payments and coverage amounts.

Universal life options may include:

Universal life policy values are interest-rate sensitive. Interest crediting rates are set by the insurer, subject to policy-specific requirements.

Flexible Premiums

Policyholders may be able to vary their premiums within certain limits as long as the policy retains sufficient available cash value.

Flexible Premiums

Policyholders may be able to vary their premiums within certain limits as long as the policy retains sufficient available cash value.

Flexible Benefits

Policies may allow you to increase or decrease the death benefit according to your particular situation, subject to qualification requirements.

Flexible Benefits

Policies may allow you to increase or decrease the death benefit according to your particular situation, subject to qualification requirements.

Loan Access

You can borrow against a portion of your policy’s cash value in order to meet unexpected financial needs. Unpaid policy debt will reduce the proceeds payable at death.

Loan Access

You can borrow against a portion of your policy’s cash value in order to meet unexpected financial needs. Unpaid policy debt will reduce the proceeds payable at death.

Optional Riders

Many policies can be customized with riders such as accelerated death benefits (living benefits), disability waivers of minimum premium and children’s level term riders. Not all riders are available for all policies.

Optional Riders

Signature Performance Indexed Universal Life
Signature Protection Indexed Universal Life
Signature Protection Plus Indexed Universal Life

Signature Performance Indexed Universal Life

Flexible premium universal life policy with both fixed and indexed crediting options.
Provides a death benefit as well as the ability to build Accumulation Value.
Optional riders: Riders with specific benefits are available to fit your insurance needs.

Form Series: IUL23

Signature Protected Indexed Universal Life

Multiple Indexed strategies to maximize Accumulation Value potential.
Guaranteed Death Benefit Options: Clients can select the face amount and a guaranteed period between ages 80 and 121.
4 Optional riders with specific benefits to fit your coverage needs.

Form Series: GIUL23

Signature Protection Plus Indexed Universal Life

Multiple Indexed Strategies to maximize Accumulation Value potential.
No-Lapse Guarentee Options: Clients can select Guaranteed Death Benefit to an exact age that works best for them.
Guarenteed Cash-Out Rider: Allows clients to surrender their policy and receive a partial or full return of your premiums paid based on specific policy anniversaries.

Form Series: GIUL23-N

Signature Performance Indexed Universal Life

Flexible premium universal life policy with both fixed and indexed crediting options.
Provides a death benefit as well as the ability to build Accumulation Value.
Optional riders: Riders with specific benefits are available to fit your insurance needs.

Form Series: IUL23

Signature Protection Indexed Universal Life

Signature Protected Indexed Universal Life

Multiple Indexed strategies to maximize Accumulation Value potential.
Guaranteed Death Benefit Options: Clients can select the face amount and a guaranteed period between ages 80 and 121.
4 Optional riders with specific benefits to fit your coverage needs.

Form Series: GIUL23

Signature Protection Plus Indexed Universal Life

Multiple Indexed Strategies to maximize Accumulation Value potential.
No-Lapse Guarentee Options: Clients can select Guaranteed Death Benefit to an exact age that works best for them.
Guarenteed Cash-Out Rider: Allows clients to surrender their policy and receive a partial or full return of your premiums paid based on specific policy anniversaries.

Form Series: GIUL23-N

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American National Insurance Company, headquartered in Galveston, Texas is licensed to conduct business in all states except New York. Not all products and services are available in all states. American National’s National Association of Insurance Commission’s (NAIC) number is 60739.

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