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

Some of the reasons to purchase term insurance:

• Initial lower cost - Premiums are lower during the early years of coverage.
• The need for insurance isn't permanent - Term lasts for a limited, pre-determined number of years. Term and been commonly called "Time Insurance" because it provides for specific, short-term needs.
• It is convertible - You may have the option to switch the policy to permanent coverage without having to show evidence of good health.

Some of the reasons to purchase permanent insurance:

• Level premiums - Premium payments can remain the same; in later years, premiums are lower than term.
• The need for insurance is permanent - Properly funded, coverage can last a lifetime.
• To provide an access source of funds - Permanent insurance accumulates cash value that can be used for emergencies, college education, or to supplement retirement income. This is commonly called "Living Benefits."
• Tax-advantages - Properly funded and structured, a permanent insurance policy can provide a tax-free income stream and tax-deferred accumulation.

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site 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 insurance is issued by American National Property And Casualty Company (ANPAC®), its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana).

Commercial Lines insurance is issued through United Farm Family Insurance Company in Pennsylvania.

Life insurance and annuity products are issued by American National Insurance Company, Galveston, Texas.

American National Property And Casualty Company and United Farm Family Insurance Company are subsidiaries of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, IL.

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 illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its 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.