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TERM LIFE INSURANCE
(Form Numbers ART07, ART07-TERM, ART-ROP)

Timely Death Benefit

American National's term life insurance products offer a competitive array of level death benefit coverages, with various permium payment alternatives.

These plans can provide the solutions to many of the financial problems that would be caused by premature death. They provide large amounts of coverage for various specific periods of time.

As term insurance, they are designed to meet protection needs that are temporary. As life insurance, they provide the special benefits described in the following paragraphs:

  • Tax-free benefit. No other product will provide such a large, instant cash windfall, income-tax free, at the very time it is needed most. (IRC Sec. 101 life insurance proceeds are generally held to be tax-free).

  • Benefit is paid immediately. Your beneficiary will receive the policy proceeds without the inconveniences of the probate process.

  • Financial privacy. Life insurance is not a matter of public record. Your beneficiary will receive the death benefit discreetly upon your death.

  • Premium payments. After an initial specified period, the life insurance benefits provided by these plans may be kept in force by the payment of increasing premiums through age 95. No additional evidence of insurability will be required after your policy is issued.

  • Convertibility. An attractive alternative to the increasing cost of term coverage is the ability to convert that coverage to permanent life insurance. These term products contain a conversion option which you may exercise during the policy's early years, depending on your age and the term policy you choose. Check your policy for conversion details. This conversion privilege allows you to convert to a permanent policy without furnishing additional evidence of insurability. American National offers a wide array of competitive permanent insurance plans with level premiums and tax-favored cash accumulation potential.

  • Preferred ratings available. If you're applying for at least $100,000 of coverage, you may qualify for one of the company's "preferred" underwriting ratings, thereby reducing your premium.

Added Benefit Riders

If you qualify, the following riders can be added to your policy for an additional premium:

  • Disability Waiver of Premium. Your policy's premium will be waived if you become disabled. (Disability must be continuous for at least six months and begin before age 60.) (Form LPW84)

A two-year suicide provision is included in policies (one year in Colorado and North Dakota). If a policyholder commits suicide during the first two policy years, only a refund of premiums will be made. (Missouri requires coverage for acts of suicide, unless it can be proven that the insured intended suicide at the time the application was completed).

The foregoing is neither a contract nor an offer to contract, but is a general description of benefits available under a policy providing the benefits outlined. The exact provisions, terms and conditions of the contract are set forth in detail in an such policy as may be issued.

Financial Objectives

Most people want to accomplish one or more of these financial objectives:

  • Providing for the ongoing living expenses of family members in the event of a breadwinner's death

  • Making sure a child's dream of a college education will come true

  • Making sure your home is paid for and that you and your family get to live there for as long as you want.

  • Money at retirement to do the things you've always wanted to do

Goals

We believe an ideal financial strategy should:

  • Be self completing

  • Allow you to make flexible payments over the years

  • Grow steadily and dependably at a competitive rate of interest, comparable to or better than certificates of deposit

  • Grow tax-deferred

  • Minimize the amount of taxes you pay and maximize the dollars that stay in your pocket and the pockets of your family members.

Copyright © Jeff Huff, 2009 About   |   Services   |   Products   |   Careers   |   Quotes   |   Agents

 

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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.

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.

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.