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Our Whole Life insurance contracts offers lifelong stability and protection.
The BEST insurance is the kind that is there
when you need it.
We build our homes on strong foundations to insulate our families
and possessions against the elements. Our careers are built upon a strong
foundation of education, determination and experience.
When you are building your conservative financial foundation, why not proceed with the same level of prudence and certainty.
Our permanent whole life insurance contract is to an insurance strategy what a steel beam is to a building — lifelong stability and protection. It says that with certainty you can count on this permanent cash value life insurance to assist with:
Income replacement in the event of the breadwinner's
death
Your most valuable financial asset is likely to be your income from
work. In the event of your premature death, the tax-free death benefit
can be an invaluable ingredient toward replacing that critical income
stream.3
Provide a college education for your children
The quality of the future that awaits your children will largely be
dependent upon the post-secondary education that they receive. Give
them a leg up on the future by providing some assistance toward the
end.
Retire the mortgage on the family home
The family home represents the standard of living that you have earned
for your family. The knowledge that your family can remain in that home,
even after the death of the breadwinner, can provide peace of mind.
Future collateral needs
The cash value component of a whole life policy can be valuable collateral,
should you have future financial needs.
Advantages of Whole Life Insurance
Insurance that can last a lifetime
You can be secure in the knowledge that your coverage will never cease,
regardless of outside influences, so long as you pay the premiums outlined
in the contract.
Premium payments that are fixed over an entire
lifetime
External factors, such as the interest rate environment or the stock
market will not affect the required premiums. They are clearly stated
in the contract and will never change.
Cash value that grows tax-deferred
The ability to conservatively accrue cash value is assured by continued
premium payments. The cash value will increase on the contract anniversary,
at a rate outlined in the contract. No taxes are due on this growth
of cash value.1
Non-guaranteed features
You are eligible to receive dividends under the contract. Although dividends
are not guaranteed, they can increase the death benefit in cash value.
American National Insurance Company determines actual dividends earned.
The ability to receive a loan on cash values
You can obtain funds from the contract's available cash value to meet
emergencies or anticipated needs.
A tax-free death benefit that passes directly and
discreetly to your named beneficiary
Life insurance is not a matter of public record. Upon the death of the
insured, the death benefit will be paid to the beneficiary once appropriate
documentation is provided to American National Insurance Company.2
Whole Life Insurance can handle the contingencies of life
"What happens if I live a longer life than
anticipated?"
Great! you have a conservative source to supplement your income
that can help yo sustain your standard of living throughout your retirement.
"What happens when I die?"
Your beneficiary will immediately receive the tax-free death benefit
guaranteed by the contract. Those dollars can then be used for whatever
purpose the beneficiary deems appropriate.
"What happens if I'm forced to discontinue
premium payments?"
After several years, the cash value of your contract should be able
to keep the contract in force for a period of time — possibly a
long time. At some point, the contract will have a substantial number
of years of paid-up insurance. No additional premiums will be necessary
to keep the contract in force, on a reduced paid-up basis or extended
term basis, although cash values may be drawn down. Existing loans,
new loans and loan interest will draw down the cash value at a faster
rate.
I will:
-
attend the best school...
-
land the best job...
-
find the perfect mate...
-
raise happy, health, successful kids...
-
climb the ladder of success...
-
maintain optimal health...
-
grow old with grace...
-
leave my family financial secure...
If only...
If only life followed such a script. But life is an unpredictable, unscripted adventure. And when the unexpected occurs, our responsibilities remain. Our commitments typically extend even beyond our own lifespan. Wouldn't it be comforting to know that we can assure lifelong preparation for whatever script life ultimately writes for us?
The foregoing is neither a contract nor an offer to contract, but is a general description of benefits available under a contract providing the benefits outlined. The exact provisions, terms and conditions of the contract are set forth in detail in an such contract as may be issued. Rates and benefits are based on applicant's age and ability to qualify. The contract has limitations. For costs and complete details of coverage, contact your American National insurance agent.
1 Tax-deferred growth: income and growth an accumulated cash values have been held by the Tax Court to be generally taxable upon withdrawal. (T.H. Cohen, 3a TC 1055 (1963), ace.1964-1 CB 4 also, IRC Sec.72) Consult your tax advisor or attorney on your specific situation.
2 A two-year suicide provision is included in policies (one year in Colorado, North Dakota and Missouri). If a policyholder commits suicide during the first two policy years, only a refund of premiums will be made.
3 Tax-free death benefits - Proceeds from a life insurance contract paid because of the death of the insured re generally excludable from the beneficiary's gross income for tax purposes. (IRC Sec. 101(a)(1))
Representing
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 |
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American
National Insurance Company, Galveston, TX |
American National Property And Casualty Company, (ANPAC®) Springfield, MO |
All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.
Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC®), Springfield, Missouri, or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.
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.
These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.
This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.