Insurance-for-You
There are few purchases in your life that will be more important than buying insurance to provide a foundation to your financial security. No matter what financial preparations you make, failure to purchase adequate insurance could quickly overwhelm your financial situation. The American National family of companies offers a wide array of life insurance, retirement annuities, accident and health insurance, pension plan products and services, credit insurance, and property and casualty insurance for personal lines, agribusiness and targeted commercial exposures. These products can be tailored to individuals or groups to meet specific needs. They are distributed through career agents, independent marketing organizations, multiple line exclusive agents and direct distribution channels.


LIFE INSURANCE

 
Life insurance is the ultimate protection you can provide for your family or beneficiary.
Whole Life is the most common type of permanent life insurance coverage. It provides you with a face value death benefit for your entire life ("whole life").
Term Life is life insurance that you purchase for a specified period of time (“term life”). The policy can be set up to expire after a specific number of years, or at a predetermined age.
Universal Life is a type of permanent life insurance that gives you some flexibility with the premium payment and death benefit amount.
Variable Universal Life* combines the features of both variable and universal life insurance policies. The variable feature allows you to invest a portion of premiums with the potential for greater earnings than are available from guaranteed rates provided by traditional whole life products. You do, however, assume all investment risk with this product.

*Variable products are securities products sold by prospectus only through registered representatives.  These securities products are distributed through ANICO Financial Services, Inc. (ANFS).  ANFS is a wholly owned subsidiary of American National Insurance Company.  Not all products and services are available in all states.

Securities products are subject to market fluctuations and involve investment risk, including possible loss of principal amount invested.

Investors are advised to consider the investment objectives, risks, and charges and expenses of the investment carefully before investing.  Both the product prospectus and the underlying portfolio prospectuses contain this and other information about the product and underlying portfolios.  They should be read carefully before investing.  To obtain a free prospectus, call American National Insurance Company toll-free at 1-800-306-2959.


ANNUITIES

 
A popular choice in retirement planning, an annuity can provide retirement income that lasts a lifetime.
Fixed Annuities offer you a safe and secure way to invest a lump sum or payments with a predictable guaranteed interest rate and a stream of fixed income payments over the life of the annuity.
Variable Annuities* offer the potential of growth if the market goes up, and can also provide a lifetime income. They also involve risk, as the annuitant assumes all investment risk with this type of annuity.

*Variable products are securities products sold by prospectus only through registered representatives.  These securities products are distributed through ANICO Financial Services, Inc. (ANFS).  ANFS is a wholly owned subsidiary of American National Insurance Company.  Not all products and services are available in all states.

Securities products are subject to market fluctuations and involve investment risk, including possible loss of principal amount invested.

Investors are advised to consider the investment objectives, risks, and charges and expenses of the investment carefully before investing.  Both the product prospectus and the underlying portfolio prospectuses contain this and other information about the product and underlying portfolios.  They should be read carefully before investing.  To obtain a free prospectus, call American National Insurance Company toll-free at 1-800-306-2959.


CREDIT INSURANCE

 
Credit insurance is protection from credit or loan debts. It is designed to make those payments if you should become unable to.
Credit Life pays off your remaining debt on a specific loan or credit card account if you should die during your term of coverage.
Credit Disability (also called credit accident and health) pays a limited number of monthly payments on a specific loan or credit card account should you become disabled during your term of coverage.
Credit Involuntary Unemployment pays a limited number of monthly payments on a specific loan or credit card account should you become involuntarily unemployed during your term of coverage.
Credit Property pays off your entire debt on a specific piece of property serving as collateral for your loan if the property is lost or damaged. Unlike the first three credit insurance products, credit property insurance is not directly related to an event affecting your ability to pay the debt.

HEALTH INSURANCE

 
Health insurance is designed to cover your expenses incurred due to illness or injury.
Major Medical coverage is designed to reimburse you for medical expenses both in and out of the hospital. Policies usually include a deductible, a coinsurance clause and an aggregate limit.
Medicare Supplement is medical insurance designed to supplement your cost of medical services not covered by Medicare. It is also referred to as gap coverage, or Medigap coverage.
Accident and Sickness is a form of coverage that protects you against loss of life, loss of earnings, or expenses incurred due to an illness or injury. There are a number of major health insurance coverages that focus on more specific needs.

PENSION PLANS

 
Your small business can depend on American National to design, market, administer, and fund your pension plans. The types of plans offered to employer groups are 401(k) plans and defined benefit plans, including 412(i) plans, and new comparability profit sharing plans.

PROPERTY AND CASUALTY INSURANCE

 
Property and casualty insurance provides you and your family with protection for your personal property. Common types of property and casualty insurance are home, auto, boat, recreational vehicle, classic auto, motorcycle and motor home.
Auto Insurance protects you for risks involved in owning and operating an automobile, such as bodily injury, property damage (both to your car and to the car of another driver, if the loss results from collision), fire, theft and vandalism.
Home Insurance protects your property against loss from theft, liability and most common disasters.
Boat Insurance protects your personal and commercial watercraft against a variety of perils and exposures.
Agribusiness and Commercial Insurance can encompass property coverage, liability coverage, commercial and private passenger automobile coverage, and excess liability/umbrella coverage tailored for a farm, ranch or other agricultural business operations, contractors and retail businesses.


If you would like information on how to purchase any of our products, you can visit our Purchase Products section.

 2013 spokesperson - Boomer Esiason
Boomer Esiason, MVP Quarterback & Sportscaster, is the 2014 spokesperson for LIFE INSURANCE AWARENESS MONTH. Watch his video and learn more about how life insurance personally affected him.
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