Products

Contact Us today and we will assist you with all your Insurance needs!

What Kind of Life Insurance

There are two basic types of life insurance: term and permanent. Each should be considered carefully to determine which best fits your individual needs.

Advantages of Term
Advantages of Permanent
  • Lower cost protection in early years
  • Customized for coverage to last for a specific number of years
  • The option to exchange the policy for permanent coverage without having to show evidence of good health
  • Lower cost in later years
  • Permanent protection
  • Level premiums
  • Accumulation of cash for emergencies, college education, retirement supplement
  • Tax-free income distribution
  • Tax-deferred wealth accumulation
  • Flexibility
  • Coverage without paying premiums by using various options
Disadvantages of Term
Disadvantages of Permanent
  • Higher cost protection in later years
  • Increasing premiums
  • No equity or cash value savings
  • Failure to pay premiums ends coverage
  • Higher initial cost
  • Future dividends and current interest rates not guaranteed




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(R)), 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, IL.

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.

As of 9/29/09