American National Insurance the market leader in the American industry.

American National Insurance Company is one of the leading insurance provider in the United States. Founded in 1905 and has evolved offering its policy holders both stability and longevity.

American National Insurance Company is a firm that worked on the core ideals of "strong management, prudent investment and financial strength" an insurance business so essentially solid that it would still be in operation 500 years into the future. And, after more than a century in business, American National is every bit as powerful and prosperous envisioned.

American National provides a broad selection of life insurance, retirement annuities, accident and health insurance, pension plan services and products, credit insurance, and property/casualty insurance for private lines, agribusiness and targeted commercial exposures. Products are distributed through multiple line agents marketing organizations and career representatives in addition to direct distribution channels.

Headquartered at Galveston, Texas, American National has over 3,000 employees in offices in Galveston and League City, Texas; Springfield, Missouri; and Glenmont, New York. American National's network of representatives offers service and stretches across all 50 states and Puerto Rico.

American National Insurance affiliated with multinational companies.

American National Insurance Company is the American National family of companies, collectively referred to as American National's parent. American National offers life insurance products, annuities, casualty and property insurance, and other services and products.

American National conducts business. The services and products can be found in America only unless otherwise indicated, and services or not all products can be found in all states. American National Life Insurance Company of Garden State Life Insurance Company, New York and the Farm Family firms are licensed to do business.

Your family depends on you for security, for stability and for maintenance. While you can’t guarantee you will always be there for your nearest and dearest, life insurance allows you provide for them even after you are gone. With life insurance you are able to leave a legacy of care, stability and financial security for the ones you love the most. Your life insurance coverage worth growth is tax deferred.

We're gratified to frequently hear the stories of those who have been financially cared for by their nearest and dearest via life insurance. It's a testament to the power of love and a legacy.

American National offers a wide range of life insurance providers to suit a variety needs and scenarios:

Life Insurance Products

Whole Life: Permanent protection, amount payments and the accumulation of cash value.

Unexpected life events do not need to create financial hardship for the ones you love. Instruments like whole life insurance provide a way for you keep your loved ones financially secure after you have gone.

When you choose among American National's entire life insurance policies, you are picking a life of protection. Our entire life products provide guaranteed benefits for your family members after you are gone, provided that the premiums are paid in a timely way.

Characteristics of whole life insurance include:

Fixed premium -- Budgeting is simple with a constant premium payment.

Accumulation of a money value -- Money value accumulates over time, and some policies may enable you to borrow from it.

Fixed benefit -- You can pick the amount you leave to loved ones, and rest easy knowing that is what they will get.

Term Life: Fixed-rate coverage and a level benefit for a specified time period.

Not everybody needs lifetime coverage. In actuality, there are lots of conditions where short- or limited-term insurance is a much better match. Your children will eventually finish their education and become independent, your mortgage will be repaid, and you and your partner will retire. American National provides many term insurance alternatives for just these kinds of limited situations.

With a term life coverage, you are going to pay a regular premium for the amount of the term in exchange for a specific amount of coverage for that same period. Term life premiums are usually lower than premiums for permanent life insurance.

Folks select American National term life for a variety of reasons:

Customized selection of this expression (10, 15, 20 or 30 years) that best fits your needs

Competitively priced, affordable coverage for just the time you need it

Level premium payments

Ability to customize policy with riders like living benefits

Preservation of insurability for switching to permanent insurance after

Policies backed by American National's 100+ years of financial stability

Universal Life: Permanent insurance with flexible premium options.

Your life will change over time -- your life insurance ought to be able to also. Because no single insurance program will work for everybody, American National offers universal life insurance. Like whole life, universal life is thought to be a permanent life insurance plan. However, universal life provides a much greater level of flexibility to the policyholder in both premium payments and coverage levels.

Universal life options may include:

Flexible premiums -- Policyholders may be able to change their premiums within specific limits provided that the policy keeps sufficient available cash value

Flexible benefits -- Policies may permit you to increase or reduce the death benefit based on your specific situation, subject to eligibility requirements.

Loan accessibility -- You can borrow from some of your policy's cash value so as to satisfy unexpected financial needs. Unpaid policy debt will lower the proceeds payable at death.

Optional passengers -- Many policies can be personalized with riders like rapid benefits, disability waivers of minimum premium or specified premium, children's level term and coverage continuation. Not all riders are available for all policies.

Universal life policy values are interest-rate sensitive. Interest crediting rates are determined by the insurer, subject to policy-specific requirements.

Indexed Universal Life insurance with indexed and fixed crediting options.

American National's indexed universal life products have the same attributes as the universal life products, but also offer an opportunity for policyholders to earn extra yield through credited attention tied to the functionality of a specific stock index, like the S&P 500. Your policy won't ever be credited a negative rate of interest.

Characteristics of an universal life coverage include:

Flexible premiums -- Policyholders may be able to change their premiums within specific limits provided that the policy keeps sufficient available cash value

Flexible benefits -- Policies may permit you to increase or reduce the death benefit based on your specific situation, subject to current eligibility conditions.

Loan accessibility -- You can borrow from some of your policy's cash value so as to satisfy unexpected financial needs. Policy debt that is unpaid will lower the proceeds payable at death.

Optional riders -- Many policies can be personalized with riders like rapid benefits, disability waivers of minimum premium or specified premium, children's level term and coverage continuation. Not all riders are available for all policies.

Upside potential -- Policies could be credited with all or a part of the profit from the indicator, expressed as a percent, but in a lower risk as the coverage isn't directly invested in the stock exchange.

Indexed universal life coverage values are interest-rate sensitive. Interest crediting rates are determined by the insurer, subject to policy-specific requirements.

Variable Universal Life: Permanent insurance with investment potential.

If you're searching for a permanent life insurance plan that provides investment potential too, American National's variable universal life policies may fit the bill. Variable universal life products offer insurance coverage on a similar premise to universal life, except that the policyholder bears the investment risk because the value of the policyholder's account balance fluctuates with the investment expertise of the securities held in the separate account investment options chosen by the policyholder.

Characteristics of American National's variable universal life policies include:

Flexible premiums -- Policyholders may be able to change their premiums within specific limits provided that the policy keeps sufficient available cash value

Flexible benefits -- Policies may permit you to increase or reduce the death benefit based on your specific situation, subject to eligibility requirements.

Loan accessibility -- You can borrow from some of your policy's cash value so as to satisfy unexpected financial needs. Policy debt that is unpaid will lower the proceeds payable at death.

Optional passengers -- Many policies can be personalized with riders like rapid benefits, disability waivers of minimum premium or specified premium, children's level term and coverage continuation. Not all riders are available for all policies.

Investment options -- We provide multiple investment portfolios to satisfy your precise needs.

Variable universal life products involve investment risk, including the possibility of negative rates of return.

Credit Life Insurance: Provides an advantage to repay or reduce credit obligations.

American National's Credit Life insurance provides a benefit to repay or reduce the credit obligation in the case of an insured's death during the period of the coverage.

Benefits of Credit Life insurance include:

Pays in addition to any other insurance the client has,

Coverage begins immediately

Pays advantage directly to the creditor

Premiums are included in the client's monthly loan payment

Number of coverage is tailored to the amount financed

Please refer to the policy/certificate for provisions, exceptions and limitations for coverage.

To find more check the website: American National Insurance