Customer-Support

TERMS OF USE

 

Website Content
Please read these Terms of Use carefully before accessing or using this website. By accessing the website, you agree to be bound by the terms and conditions contained herein. If you do not want to be bound by these terms and conditions, you should not access or use the website. American National Insurance Company (referred to herein as "American National ","we","our", and "us") may at any time revise these terms and conditions without notice. Accordingly, you agree to review these Terms of Use periodically, and your continued access or use of this site shall be deemed your acceptance of any modified Terms of Use.

American National reserves the right at any and all times and in its sole discretion to change the contents of this website and the products and services referenced hereon. American National reserves all other rights.
 
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Product Availability
The product and/or service descriptions, if any, provided on the American National website are not intended to constitute an offer to sell or a solicitation to buy any product or service. Not all products and services are available in all states, and all products are subject to applicable regulation. Anyone interested in a particular product should contact the pertinent American National business unit to ascertain whether the product and/or service is available in their jurisdiction and to request a copy of the applicable policy for a complete description of the product and/or service. Please note that in many instances products and services may be offered only through employers or other plan sponsors.

American National is the parent company of the American National family of companies. Through the family of companies, American National offers life insurance products, annuities, property and casualty insurance, and other financial products and services.

The American National family of companies conducts business in all 50 states, the District of Columbia, Puerto Rico, and certain U.S. territories. Unless otherwise indicated, products and services are available in the United States only, and not all products or services are available in all states. Only American National Life Insurance Company of New York and the Farm Family companies are authorized to do business in the state of New York.
 
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Links to Other Websites
Links to third party websites are offered as a matter of convenience and in no way are meant to imply that American National endorses, controls, approves, sponsors, promotes or is affiliated with the owners of, or participants in, those sites or any material contained therein. American National is under no obligation to maintain any link on this website, and may remove any such link at any time in its sole discretion for any reason whatsoever.

The American National stock pricing information contained on the third party website linked to this website, is updated periodically from a source other than American National. American National does not assume any responsibility for the accuracy of such pricing information or any other materials included on such third party website.
 
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Ownership of Materials and Restrictions on Use
While American National provides the information on this website to anyone, American National retains copyright on all text and graphic images. No permission is granted to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services found on this website.
 
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Privacy
American National cannot guarantee the confidentiality of information exchanged over the Internet. Please note that personal information, such as your Social Security number, telephone number, address or information contained in your message may be accessible to other users of the Internet. To protect your privacy, please do not use e-mail to communicate information you want kept confidential.

Personal information transmitted to us will be treated in accordance with our Privacy Policies.
 
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Limitation of Liability
American National maintains this website as a service to the Internet community. The information on this website is subject to change without notice, and American National assumes no commitment to update any information on this website. You use the website at your own risk. ALL INFORMATION AND CONTENT AVAILABLE ON, OR ACCESSIBLE FROM, THE AMERICAN NATIONAL WEBSITE ARE PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL AMERICAN NATIONAL BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND WHICH MAY ARISE OUT OF ANY PERSON’S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. American National makes no representations or warranties about the accuracy or completeness of the information contained on this website. American National does not guarantee or warrant that functions will be uninterrupted or error-free, that any information, software or other material available on or accessible through the website are free of viruses, worms, Trojan Horses, or other code that has contaminating or destructive properties. If your use of this website or the materials therein results in the need for servicing or replacing property, equipment, or data, American National is not responsible for those costs. American National assumes no responsibility for any consequence relating directly or indirectly to any action or inaction that you or anyone else takes based on the information, services, or other material from this site.
 
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Forward-Looking Statements
Forward-looking statements contained on this website are made pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, and include estimates and assumptions related to economic, competitive and legislative developments. Forward-looking statements may be identified by words such as "expects", "intends", "anticipates", "plans", "believes", "estimates", "will" or words of similar meaning, and include, but are not limited to, statements regarding the outlook of our business and financial performance. These forward-looking statements are subject to change and uncertainty which are, in many instances, beyond our control, and have been made based upon our expectations and beliefs concerning future developments and their potential effect upon us. There can be no assurance that future developments will be in accordance with our expectations, or that the effect of future developments on us will be anticipated. These forward-looking statements are not a guarantee of future performance, and involve risks and uncertainties. There are certain important factors that could cause actual results to differ, possibly materially, from expectations or estimates reflected in such forward-looking statements. These factors include among others: (1) international economic and financial crisis, including the performance and fluctuations of fixed income, equity, real estate, credit capital and other financial markets; (2) interest rate fluctuations; (3) estimates of our reserves for future policy benefits and claims; (4) differences between actual experience regarding mortality, morbidity, persistency, surrender experience, interest rates or market returns, and the assumptions we use in pricing our products, establishing liabilities and reserves or for other purposes; (5) changes in our assumptions related to deferred policy acquisition costs, valuation of business acquired or goodwill; (6) changes in our claims-paying or credit ratings; (7) investment losses and defaults; (8) competition in our product lines and for personnel; (9) changes in tax law; (10) regulatory or legislative changes; (11) adverse determinations in litigation or regulatory matters and our exposure to contingent liabilities, including in connection with our divestiture or winding down of businesses; (12) domestic or international military actions, natural or man-made disasters, including terrorist activities or pandemic disease, or other events resulting in catastrophic loss of life; (13) ineffectiveness of risk management policies and procedures in identifying, monitoring and managing risks; (14) effects of acquisitions, divestitures and restructurings, including possible difficulties in integrating and realizing the projected results of acquisitions; (15) changes in statutory or U.S. Generally Accepted Accounting Principles ("GAAP") practices or policies; and (16) changes in assumptions for retirement expense. It has never been a matter of corporate policy for us to make specific projections relating to future earnings, and we do not endorse any projections regarding future performance made by others. Additionally, we do not publicly update or revise forward-looking statements based on the outcome of various foreseeable or unforeseeable events.
 
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