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| 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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American National Insurance Company,
Galveston, TX
American National Property and Casualty Companies, Springfield, MO
Farm Family Life Insurance Company, Glenmont, NY
Farm Family Casualty Insurance Company, Glenmont, NY
United Farm Family Insurance Company, Glenmont, NY
All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this website 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.
Personal lines and commerical insurance products offered through one of these American National subsidiaries or affiliates: American National Property and Casualty Company (ANPAC), Springfield, MO (except in CT, DE, MA, ME, NH, NJ, NY, RI, VT, FL, NC, MI, MS); American National General Insurance Company; Pacific Property and Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company (Texas residents); American National County Mutual Insurance (serviced by ANPAC – Texas residents); United Farm Family Insurance Company, Glenmont NY in MD and PA; Farm Family Casualty Insurance Company, Glenmont NY in CT, DE, MA, ME, NH, NJ, NY, RI, VT and WV.
Life Insurance products are issued through American National Insurance Company, Galveston Tx or Farm Family Life Insurance Company, Glenmont, NY. Disability Income products and services are issued through Farm Family Life Insurance Company, Glenmont, NY or Illinois Mutual Insurance Company, Peoria, Illinois.
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 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 and eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.
This site may have links to other sites, which are not maintained by American National Insurance Company, it's 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.
