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AMERICAN NATIONAL INSURANCE COMPANYLife InsuranceProduct PortfolioFor Agent Use Only; Not For Distribution or Use With Consumers.
American National offers a collection of life insuranceproducts designed to meet the needs of your NICO Signature Term Life InsuranceTermSignature Guaranteed Universal LifeUniversalANICO Executive Universal LifeUniversalSignature Indexed Universal LifeIndexed UniversalSignature Plus Indexed Universal LifeIndexed UniversalSignature Whole Life InsuranceWholeLimited Pay Whole Life (Pension)WholeAccelerated Underwriting ProgramsFor Agent Use Only; Not For Distribution or Use With Consumers.
TERM LIFE INSURANCEANICO Signature TermIssue AgesART - 18-6510 Year Level Term Period - 18-7015 Year Level Term Period - 18-6520 Year Level Term Period - 18-6030 Year Level Term Period - 18-50Minimum Face Amount 100,000Modal FactorsAnnualSemi-annualQuarterlyMonthly DirectMonthly EFTBiweekly available1.00000.51500.26500.09300.0864Minimum GuaranteedInterest RateN/ABenefits and RidersAdditional cost mayapply.Accelerated Benefit RidersDisability Waiver of Premium RiderChildren’s Term RiderDeath Benefit OptionN/AGuaranteed CoveragePeriodN/AUnderwriting ClassesPreferred Plus TNUPreferred TNU & TUStandard Plus TNUStandard TNU & TUSubStandard TNU & TU Tables 1-8Flat extras permitted on all classesSurrender ChargePeriodN/ALoan RateN/APreferred LoansN/APremium Rate Bands 100,000 to 249,999 250,000 to 499,999 500,000 to 999,999 1,000,000 MaturityN/AFor Agent Use Only; Not For Distribution or Use With Consumers.3
UNIVERSAL LIFE INSURANCESignature Guaranteed Universal LifeIssue AgesMinimum FaceAmountPremium ModesMinimumGuaranteedInterest RateBenefits and RidersAdditional costmay apply.ANICO Executive Universal Life18-80 (non-nicotine)Face amounts of 25,000 - 49,999: 0-7018-75 (nicotine)Face amounts of 50,000 : 0-85 25,000 25,000AnnualSemi-annualQuarterlyMonthly EFTBiweekly availableAnnualSemi-annualQuarterlyMonthly EFTSalary savings and government allotment allowed2.5%3% credited to accumulation valueGuaranteed Cash-Out RiderDisability Waiver of Stipulated Premium RiderChildren’s Term RiderAccelerated Benefit RidersAccelerated Benefit RidersDisability Waiver of Premium RiderDisability Waiver of Stipulated Premium RiderANICO Signature Term Rider for UL (10, 15, 20 YearLevel Premium)Children’s Term RiderGuaranteed Increase Option RiderOverloan Protection BenefitOption A: specified amount only4Option B: specified amount plus the accumulation valueDeath BenefitOptionOption A: Specified amount onlyOption C: specified amount plus the sum of all premiumspaid, excluding premium paid by any disability waiver,less any partial surrenders - available only at issue.GuaranteedCoverage Period10-year Minimum Premium GuaranteeNo Lapse GuaranteeSafety Net PeriodAll Ages - 10 YearsUnderwritingClassesPreferred Plus TNUPreferred TNU & TUStandard Plus TNUStandard TNU & TUTables 1-16Preferred Plus TNUPreferred TNU & TUStandard Plus TNUStandard TNU & TUTables 1-16Surrender ChargePeriodFirst 10 Policy YearsFirst 15 Policy YearsLoan RateFixed Loan: 4.50% in arrearsFixed Loan: 6% in arrearsPreferred LoansN/AAvailable at anytimePremium RateBands 25,000 to 99,999 100,000 to 249,999 250,000 to 499,999 500,000 to 999,999 1,000,000 25,000 to 49,999 50,000 to 99,999 100,000 to 499,999 500,000 to 999,999 1,000,000 and overMaturityThe policy’s Surrender Value will be paid on thepolicy anniversary following the insured’s attainedage of 121.The policy’s Surrender Value will be paid on the policyanniversary following the insured’s attained age of 121.For Agent Use Only; Not For Distribution or Use With Consumers.
INDEXED UNIVERSAL LIFE INSURANCESignature Indexed Universal LifeSignature Plus Indexed Universal LifeIssue Ages0-850-85Min. Face Amount 25,000 25,000Premium ModesAnnualSemi-annualQuarterlyMonthly EFTAnnualSemi-annualQuarterlyMonthly EFTFixed Account:Guaranteed - 2.5%Current - declared monthly by companyFixed Account:Guaranteed - 2.5%Current - declared monthly by companyOverLoan Protection Benefit RiderAccelerated Benefit RidersDisability Waiver of Minimum Premium RiderDisability Waiver of Stipulated Premium RiderChildren’s Term RiderGuaranteed Increase Option RiderANICO Signature Term Rider for UL (10,15, 20 YearLevel Premium)Interest Rate Enhancement Rider - beginning in year 11OverLoan Protection Benefit RiderAccelerated Benefit RidersDisability Waiver of Minimum Premium RiderDisability Waiver of Stipulated Premium RiderChildren’s Term RiderGuaranteed Increase Option RiderANICO Signature Term Rider for UL (10,15,20 YearLevel Premium)Death Benefit OptionOption A: specified amount onlyOption B: specified amount plus accumulation valueOption C: specified amount plus the sum of allpremiums paid, excluding premium paid by anydisability waiver, less any partial surrenders - availableonly at issue.Option A: specified amount onlyOption B: specified amount plus the accumulation valueOption C: specified amount plus the sum of allpremiums paid, excluding premium paid by anydisability waiver, less any partial surrenders - availableonly at issue.Guaranteed Coverage PeriodNo Lapse GuaranteeAll Ages - 10 YearsNo Lapse GuaranteeAll Ages - 10 YearsUnderwriting ClassesPreferred Plus TNUPreferred TNU & TUStandard Plus TNUStandard TNU & TUSubStandard: Tables 1-16 & flat extrasPreferred Plus TNUPreferred TNU & TUStandard Plus TNUStandard TNU & TUSubStandard: Tables 1-16 & flat extrasSurrender Charge PeriodFirst 10 Policy YearsFirst 10 Policy YearsLoan RateFixed Loan: 6% in arrearsVariable Loan: will not exceed 18%Fixed Loan: 6% in arrearsVariable Loan: will not exceed 18%Preferred LoansNANAPremium Rate Bands 25,000 to 99,999 100,000 to 249,999 250,000 to 499,999 500,000 to 999,999 1,000,000 25,000 to 99,999 100,000 to 249,999 250,000 to 499,999 500,000 to 999,999 1,000,000 MaturityThe policy’s Surrender Value will be paid on the policyanniversary following the insured’s attained age of121.The policy’s Surrender Value will be paid on the policyanniversary following the insured’s attained age of121.Min. Guaranteed InterestRateBenefits and RidersAdditional cost may applyCheck state availabilitySee Benefits/Rider Guide(Form 10695) for more.For Agent Use Only; Not For Distribution or Use With Consumers.5
WHOLE LIFE INSURANCESignature Whole LifeIssue AgesMinimum Face AmountModal FactorsMinimum GuaranteedInterest Rate0-80 (non-nicotine)18-75 (nicotine)Limited Pay Whole Life (Unisex)Pay to age 65: 18-55 (Age nearest)Age nearestPay for 10 years: 56-70 (Age nearest) 10,000 10,000AnnualSemi-annualQuarterlyMonthly rterlyMonthly EFT1.00000.51500.26500.0864N/ACashDividend OptionsPremium ReductionAccumulate at InterestN/APaid Up AdditionsAccelerated Benefit RidersChildren’s Term RiderBenefits and RidersAdditional cost may apply.ANICO Signature Term Rider – ART, 10, 15, 20,30 yearsAccelerated Benefit RidersDisability Premium WaiverDisability Premium WaiverPaid-up Additions RiderGuaranteed Insurance Option RiderDeath Benefit OptionN/AN/AGuaranteed CoveragePeriodN/AN/AUnderwriting ClassesPreferred Plus TNUPreferred TNU & TUStandard Plus TNUStandard TNU & TUSubStandard: Tables 1-16 & flat extrasPreferred Plus TNUPreferred TNU & TUStandard Plus TNUStandard TNU & TUSubStandard: Tables 1-16 & flat extrasSurrender Charge PeriodN/AN/ALoan Rate8% in arrears8% in arrearsPreferred LoansN/AN/A 10,000 to 99,999Premium Rate Bands 100,000 to 249,999 250,000 to 999,999 1,000,000 Maturity6The policy’s death benefit will be paid on thepolicy anniversary following the insured’s attainedage of 121. 10,000 to 99,999 100,000 to 249,999 250,000 to 499,999 500,000 to 999,999 1,000,000 The policy’s death benefit will be paid on thepolicy anniversary following the insured’s attainedage of 121.For Agent Use Only; Not For Distribution or Use With Consumers.
Accelerated Underwriting ProgramsWhat are the differences between theAccelerated Underwriting programs?Simplified Issue1 forPre-Approved Employer GroupsXpress(Formerly Underwriting Express)Xpress PlusAn Approved EmployerGroup with a minimum of 10participating employees.Who CanApply?Policies are individuallyunderwritten, however eachapplicant must be a full timeemployee of an approvedemployer group.Individual CasesIndividual CasesIssue Ages18-650-6518-60All individual AmericanNational life insuranceproducts.All individual AmericanNational life insuranceproducts.Signature Guaranteed UL SIAvailableProducts andFace Amounts Flexible premium options Ten year GuaranteedCoverage Period Tables 1-4 issued asStandard Ages 18-50: 250,000 1,000,000Ages 51-60: 250,000 500,000Face Amounts 25,000 - 250,000Up to 249,999ApplicationShort Form ApplicationFull ApplicationFull Applicatione-AppAvailable, but not required (maynot be available in some states)Available, but not required(may not be available in somestates)RequiredUnderwritingClassesClasses are issued on anAccept/Decline basis (tables 1-4issued as standard)Standard & All SubstandardClassesStandard & Better Classes2All Riders are AvailableAll Riders are AvailableRiderAvailability Children’s Term Rider Accelerated Benefit Riders Disability Waiver ofStipulated Premium 1) Only standard and substandard rates available.2) Cases rated substandard will be disqualified from the Xpress Plus program but are still eligible for issue with full underwriting.For Agent Use Only; Not For Distribution or Use With Consumers.7
The Signature Indexed Universal Life Insurance policy and Signature Plus Indexed Universal Life Insurance policies are not registered securitiesor stock market investments and do not directly participate in any stock or equity investments or index. When you buy a policy, you are notbuying an ownership interest in any stock or index. American National Insurance Company and its agents do not make any recommendationsregarding the selection of indexed strategies. American National Insurance Company and its agents do not guarantee the performance ofany indexed strategies.ACCELERATED BENEFIT RIDER NOTICE:Policy Form Series: ABR14-TM; ABR14-CH; ABR14-CT. Forms will vary by state and may not be available in all states. Haveyour agent refer to rider forms for a complete list of illnesses and definitions. Some states may limit the definition of terminal illnessto conditions that are expected to result in death within 12 months. The riders are offered at no additional premium. However,the accelerated payment will be less than the requested death benefit because it will be reduced by an actuarial discount andan administrative fee of up to 500. The amount of the reduction is primarily dependent on American National’s determinationof the insured’s life expectancy at the time of election. Outstanding Policy Loans will reduce the amount of the benefit payment.The accelerated death benefit is an unrestricted cash payment. The Chronic and Terminal rider are intended to receive favorabletax treatment under 101(g) of the IRC. Receipt of a benefit could be a taxable event. You should consult a tax advisor regardingthe tax status of any benefit paid under these riders. Receipt of Accelerated Benefits may affect your eligibility for Medicaid,supplemental security income, or other governmental benefits or entitlements. Before accelerating any benefit you should consultan advisor to determine the impact on your eligibility. Accelerated Benefit Riders are not replacements for Long Term CareInsurance. This is a life insurance benefit that also gives you the option to accelerate some or all of the death benefit in theevent that you meet the criteria for a qualifying event described in the policy. This policy or certificate does not providelong-term care insurance subject to California long-term care insurance law. The policy or certificate is not a CaliforniaPartnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement policy. Acceleratedbenefit riders (“ABR”) and long-term care insurance (“LTCI”) provide different types of benefits. An ABR allows the insured toaccess a portion of the life insurance policy’s death benefit while living and may be used for any purpose. LTCI providesreimbursement for necessary care received due to a prolonged illness or disability. Coverage may include reimbursement for thecost of a nursing home, assisted living, home health care, homemaker services, adult day care, hospice services or respite carefor the primary caretaker. The benefits may be conditioned on certain requirements or meeting an elimination period or limitedby type of service, the number of days or a maximum dollar limit. Benefits under some ABRs and all LTCI are conditioned uponthe insured not being able to perform two or more of the activities of daily living or being cognitively impaired. California: Seeform 10741-CM for a more detailed comparison of benefits provided by an ABR and LTCI.Form Series (Forms may vary by state): Signature GUL: SGUL18; SGUL15S. Signature WL: PWL16. IUL: IUL14. Executive UL: EXEC-UL,EXEC-ULU. Signature Term: ART18. Limited Pay WL: LPWL17. Riders: IRER15; ULCTR91; GCOR15; ULOPR14; LPW84; ULDW91; PWSTP;PWSTPU; ARTR18; ULLTR13; ULCTR14; CTR12M; CTR88; GIR16; GIR90; ULGIO14.American National Insurance Company, Galveston, Texas.Not FDIC/NCUA InsuredNot A DepositNot Insured By Any Federal Government AgencyNo Bank/CU GuaranteeMay Lose ValueFor Agent Use Only, Not For Distribution Or Use with Consumers.9234888-501-4043 img.anicoweb.com01.19
2 For Agent Use Only Not For Distribution or Use With Consumers. American National offers a collection of life insurance products designed to meet the needs of your clients. PAGE 3 ANICO Signature Term Life Insurance Term PAGE 4 Signature Guaranteed Universal Life Universal PAGE 4 ANICO Executive Universal Life Universal PAGE 5 Signature Indexed Universal Life Indexed Universal
