AMERICAN NATIONAL
LIFE Insurance
Every year
Americans are hospitalized with serious illnesses. These tragedies can drain the entire family emotionally and financially. Living Benefits – Changing Real Lives. Contact me to learn more.
BUILDING A BRIDGE TO YOUR YEARS FUTURE
INDEPENDENT MARKETING GROUP
A History of Excellence
From its establishment in 1905 by William L. Moody, Jr., American National has built a strong foundation of prudent investment and regular growth. American National’s financial strength and operating integrity have positioned it as a leader in the insurance industry. American National offers innovative insurance and related financial products, customer-focused service, and ranks among the larger life insurance companies in the United States.
American National offers a broad variety of insurance: property/casualty insurance for personal lines, Life insurance, retirement annuities, accident, pension plan products and services, credit insurance for targeted commercial exposures. Products are distributed through career agents, independent marketing organizations and multiple line exclusive agents as well as direct distribution channels. Welcome @MYFAVORITEINSURANCE AGENCY.
Life Products
Term
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ANICO Signature Term
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ANICO Signature Term NY
Whole Life
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Signature WL
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Signature WL NY
Universal
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Executive Universal Life
Indexed
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Signature Performance IUL
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Signature IUL NY
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Signature Protection IUL
Guaranteed
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Signature GUL
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Signature GUL NY
Advanced Concepts
Pension Sales
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Getting Started
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Request Proposal
Advanced Sales
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Concepts
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Financial Calculators
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Sales Maker
Single Premium Annuities
Fixed
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Palladium MYG
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Palladium MYG NY
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Century Plus
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Century Plus NY
Indexed
Immediate
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Palladium Single Premium
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Palladium Single Premium NY
Flexible Premium Annuities
Fixed
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WealthQuest Citadel 5 Diamond
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WealthQuest Citadel 5 Diamond NY
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WealthQuest Citadel 7 Diamond
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WealthQuest Citadel 7 Diamond NY
Indexed
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ANICO Strategy PLUS 7
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ANICO Strategy PLUS 10
For those who want cost efficient guaranteed death benefit protection with accumulation potential that’s protected from loss. choose the amount of death benefit protection that they need, but also choose how long they want to guarantee the death benefit. Download the brochure for more information.
American National is a group of companies writing a broad array of insurance products and services and operating in all 50 states. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas. In New York, business is written through Farm Family Casualty Insurance Company, United Farm Family Insurance Company, and American National Life Insurance Company of New York, Glenmont, New York. Property and casualty insurance is written through American National Property And Casualty Company, Springfield, Missouri, and its subsidiaries and affiliates. Other products and services referenced in this website, such as life insurance, annuities, health insurance, credit insurance, and pension products, are written through multiple companies. Not all products and services are available in all states. Not all companies are licensed in all states. 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.
Executive Universal Life
The Independent Marketing Group
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ANICO Signature Term
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Signature Performance Indexed Universal Life
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Signature Indexed Universal Life - New York
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Signature Guaranteed Universal Life
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Executive Universal Life
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Signature Whole Life
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Term Life Insurance
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Universal Life Insurance
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Universal Life Insurance
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Universal Life Insurance
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Universal Life Insurance
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Whole Life Insurance
PRODUCT TYPE
We offer many different types of Insurance. With our Whole Life options, you can help make sure your loved ones receive guaranteed benefits after you're gone - no matter when that is.
Fixed Premium
The cost of your policy will stay the same so you know what to expect.
ANICO Signature Term Life Insurance
KEY FACTS
Planning for the future of your small business can be worrisome but our Retirement Plan Review is a no cost analysis of your current plan. Allow me to help you to ensure your existing plan still meets your goals and objectives. #retirementplanning
Product Overview
ANICO Signature Term Life Insurance is a competitive term life insurance product with
10, 15, 20, and 30-year level, premium terms as well as an Annual Renewable Term (ART) option.
In addition, the ANICO Signature Term offers a competitive term conversion option to meet all your client’s needs.
BENEFITS
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Highly Competitive Premiums
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ART provides life insurance for short term needs at a minimal cost
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Conversion Credits available (see the Term Conversion Guide)
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Term to Term Conversion (ART)
Approved Resources
SIGNATURE TERM Life Insurance Series
Signature Term Life Insurance That Works for You
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Annual Renewable Term (ART) Many individuals have a short term need for life insurance. Those that desire short term life insurance protection at a minimal cost can consider an Annual Renewable Term (ART) policy.
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An ART policy is considered a one-year policy that automatically renews at the end of each year. The premiums are guaranteed for the first 10 years; however, the annual premiums will increase each year because of your age.
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Over 10 years, the premiums paid are designed to be comparable to the premiums paid for a 10-year level premium term policy.
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If you no longer need insurance, you can choose to terminate the policy or, if your insurance needs change, there are options available that allow you to convert the ART policy to a level premium term policy or a permanent policy.
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Level Premium Term When the need for protection is at least 10 years, a level premium term life policy may be the right fit. This option can be a good choice when you are looking for pure protection at a minimized cost.
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Level Premium Term means that for a set term period, your premiums will remain the same. You are able to choose the face amount of the policy and the length of the term that meets your insurance needs.
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At the end of your selected level term period, the policy will renew each year with the coverage ending at age 95.
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The premiums after the level term period will increase annually due to your current age and economic conditions.
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Signature Term offers level premium term periods of 10, 15, 20, and 30 years.
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If your insurance needs change after a level term policy has been purchased, there are options available that allow you to convert the policy to a permanent policy.
COVID Relief Bill’s Impact on Life Insurance
While it may not have been the major headline, the most recent COVID-19 relief bill (Consolidated Appropriations Act, 2021) signed into law on December 27 included a change to the tax code. This new legislation lowers the interest rate that is used to calculate the life insurance premium limits that determine whether a given policy meets the IRS’s Section 7702 definition of life insurance. This change will impact premium limits calculated by both the Guideline Premium Test and the Cash Value Accumulation Test (CVAT). This change will not directly affect universal life insurance illustrated rates or crediting rates.
While we are still working to assess the full impact to our product portfolio, this change should generally allow increased premiums relative to the death benefit on universal life insurance policies sold after January 1, 2021. Please know that American National is working to update our illustration and administrative systems to implement the new limits as soon as possible.
Please look for continued communications as the details and timing of the changes become available.
American National’s Signature Term Life Insurance can provide you with peace of mind, knowing your family is protected when they need it most. Contact me to learn more. #terminsurance
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You want life insurance but do not need the potential for cash accumulation a permanent plan provides.
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You wish to minimize cost while maximizing protection.
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Your need is critical, but only for a specific period of time.
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You wish to preserve your insurability for converting to permanent insurance later.
ANICO Signature Term Life is a practical choice for many different situations.
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