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

Some of the reasons to purchase term insurance:

• Initial lower cost - Premiums are lower during the early years of coverage.
• The need for insurance isn't permanent - Term lasts for a limited, pre-determined number of years. Term and been commonly called "Time Insurance" because it provides for specific, short-term needs.
• It is convertible - You may have the option to switch the policy to permanent coverage without having to show evidence of good health.

Some of the reasons to purchase permanent insurance:

• Level premiums - Premium payments can remain the same; in later years, premiums are lower than term.
• The need for insurance is permanent - Properly funded, coverage can last a lifetime.
• To provide an access source of funds - Permanent insurance accumulates cash value that can be used for emergencies, college education, or to supplement retirement income. This is commonly called "Living Benefits."
• Tax-advantages - Properly funded and structured, a permanent insurance policy can provide a tax-free income stream and tax-deferred walth accumulation.

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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