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Failing to plan is often the biggest mistake.

Developing a well-designed approach for your estate is a personal process. It is grounded in the attitudes, beliefs and traditions that you consider important. Your estate will change as you progress through your life and incorporate different aspects of estate preparation.

Without any estate strategies in place, federal and state laws dictate how property, personal items and assets are divided, with no regard to the individual's wishes. Conflicts due to family issues and legal problems often result, tying up the estate and slowing down the distribution of assets. Additional administrative expenses and taxes, which must be deducted from the estate, can also reduce its overall value.

Good strategies include ways to preserve your assets and constructively pass on as much of your estate as possible to your heirs. We can help you understand some common estate conservation tools, such as a will, trust, durable powers of attorney and gifting.

Dependents with Special Needs

As a parent or guardian of a person with special needs, it becomes especially important for an estate plan to be in place to understand the implications of how inheriting even a small amount of money could disqualify a person with disabilities from most federal benefits, such as Supplemental Security Income (SSI) and Medicaid, and from any state programs.

Special considerations include what kind of life would you like the person with special needs to have, how he or she will live without you, and what other requirements are important to your family — retirement, education funding, etc.

The legacy you leave will depend on the estate plan you prepare. Together, through careful thought and use of the proper tools, we can help create a strategy to leave your beneficiaries the estate you always meant for them to have.

Representing

American National Insurance Company, Galveston, TX	American National Property And Casualty Company, (ANPAC®) Springfield, MO

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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, Illinois.

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.

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