Timely Death Benefit

• 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

• 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)

• Accidental Death Benefit. Provides an additional amount payable in the event of your death as the result of an accident. (Form DAM84)

• Children's Term Rider. Insures each child age 15 days through 18 years at issue while the benefit is in force. Coverage on each child terminates at age 25, but each $1,000 of coverage may be converted to as much as $5,000 of permanent insurance without evidence of insurability. (Form CTR88)

• Spouse Term Rider. Provides a level amount of insurance on the life of your spouse, until the spouse attains age 95. Death benefit cannot be less than $25,000 or more than the death benefit on the primary insured. Can be converted to a permanent policy during the rider's first 12 years (or prior to spouse's age 65, if earlier. (Form SARTR94)
  

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

A well-planned insurance program shoudl offer stability and protection. Term life insurance could help with:

• Income replacement for surviving family members.
  Your most valuable financial asset is likely to be yoru income from work. In the event of your premature death, the tax-free death benefit could plan an important role in replacing that critical income stream1.

• A college education for your children.
  The quality of the future that awaits your children could depend on the post-secondary education that they receive. You can help give your children a leg up on their future by making sure the funds for a college education will be there — even if you are not.

• Retiring 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 af ther death of the breadwinner, can provide peace of mind.

Goals

An ideal financial strategy should:

• Be self-completing

• Allow you to make flexible contributions 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.

1 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

American National Insurance Company, Galveston, TX
American National Property and Casualty Company, Springfield, MO

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent. All products, coverages, and options are not available in all states, and eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

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