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WHAT KIND OF LIFE INSURANCE

There are two basic types of life insurance: term and permanent. Each should be considered carefully to determine which best fits your individual needs.

Advantages of Term

  • Lower cost protection in early years
  • Customized for coverage to last for a specific number of years
  • The option to exchange the policy for permanent coverage without having to show evidence of good health

Advantages of Permanent

  • Lower cost in later years
  • Permanent protection
  • Level premiums
  • Accumulation of cash for emergencies, college education, retirement supplement
  • Tax-deferred wealth accumulation
  • Tax-free income distribution
  • Flexibility
  • Coverage without paying premiums by using various options

Disadvantages of Term

  • Higher cost protection in later years
  • Increasing premiums
  • No equity or cash value savings
  • Failure to pay premiums ends coverage

Disadvantages of Permanent

  • Higher initial cost
  • Future dividends and current interest rates not guaranteed

 
Today is


Representing


American National Insurance Company, Galveston, TX
American National Property and Casualty Companies, Springfield, MO

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. All products, coverages, and options are not available in all states, 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.

 





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