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ANPAC UmbrellaSM (Personal Liability)

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What would you do if a legal judgment against you was greater than your primary insurance limits?

Everyday you hear about high dollar judgments that have been awarded to injured parties. Accidents are bound to happen and today's litigious society paves the way for many additional high dollar lawsuits. A legal judgment against you, that is more than your primary insurance limits, could leave you in a financial bind for the rest of your life.

Take for Instance:

You are late for work and run a red light. As a result, your car hits a school bus and several young passengers are injured. One of the passengers is a 13-year old who suffers severe brain damage. The family of the 13-year old sues you and receives a judgment for $750,000. Your primary automobile insurance coverage limit is $300,000. Who pays the remaining $450,000? You do!

This type of judgment could involve attachments to assets like your:

• Home
• Paycheck
• Savings Accounts
• Stocks
• Bonds
• Mutual Funds
• Car
• Boat
• Many more!

ANPAC's Umbrella^SM policy provides:

Up to $5 million additional financial protection for your family over your primary limits.

Minimum Primary Limits Required:

Automobile Liability -

* $250,000/500,000 - Bodily Injury and
* $100,000 Property Damage

Personal Liability -

* $300,000 - Comprehensive Personal
* Liability or Homeowners

Farm Liability -

* $500,000 - Farmers Comprehensive Liability

Watercraft Liability -

* $300,000 Watercraft Liability

Rental Owners Liability -

* $300,000 - up to 4 locations (not to exceed 2 units per location, total of 8 units)

* Requirements may vary by state.

Representing

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.