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| Variable Universal Life |
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| Variable universal life insurance
combines the features of both variable and universal life insurance
policies. The variable life feature allows the policyowner to place
a portion of premiums in investment options that have the potential
for greater earnings than are available from the guaranteed rates
provided by the traditional whole life insurance products. The
policyowner assumes all investment risk with this product. The
universal life feature provides the opportunity for the policyowner
to adjust both the premium payments and the death benefit in
various ways as permitted by the insurance policy. The death
benefit guarantee is based on the claims-paying ability of the
insurance company and does not extend to the separate account. |
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| If you would like information on
how to purchase one of our Variable Universal Life products, you
can visit our Purchase Products
section. |
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| Variable products are securities
products sold by prospectus only through registered
representatives. These securities products are distributed through
Securities Management and Research, Inc., a subsidiary
broker-dealer of American National Insurance Company, 2450 South
Shore Boulevard, Suite 400, League City, TX 77573, 281-334-2469,
Member FINRA, SIPC. Not
all products and services are available in all states. |
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| Securities products are subject to
market fluctuations and involve investment risk, including possible
loss of principal amount invested. |
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| 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. |
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