Life Insurance
Riders
Disability
Premium Waiver
Provides
that American National will waive the premiums for this policy if you become disabled.
(Disability must be continuous for at least six months and must 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 new evidence of
insurability. (Form CTR88)
Spouse
Term Rider
Insures
your spouse for a specified time. This term coverage is convertible to a permanent
life insurance policy on the life of the spouse. (Form SARTR94)
Additional
Insurance Option Rider
Makes
it possible for you to increase the specified amount of insurance at specified
ages or events (such as the birth of a child), and allows you to do so regardless
of health, occupation or military status. (Form GIO90)
Accelerated
Benefits Option Rider
(Not
available with term policies) Under this rider, you may be able to receive, in
advance, a part of your policy's death benefit before you die, if you become terminally
ill (written proof will be required) and have less than 12 months to live. The
initial benefit wil be 50% of the eligible death benefit or $250,000, whichever
is less. Subsequent accelerated benefit may be advanced to cover interest charges
or premium payment. Maximum benefit under this rider wil be 80% of the eligible
death benefits or $400,000, whichever is less. This rider is not approved in all
states. (Form ACC91)
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 proved 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 any
such policy as may be issued.
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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, 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.
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