LIFE INSURANCE BENEFIT 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.