American National was founded in Galveston, Texas March 19, 1905 by William L. Moody, Jr His grandson, Robert L. Moody Jr is our current Chairman
Bonnie and Clyde had life insurance issued by the American National Insurance Company of Galveston. Who purchased the insurance isn’t clear, but the beneficiary in each case was their respective mother’s . The life insurance policies for both Bonnie and Clyde were paid in full. Since then, the policy of pay-outs has changed to exclude pay-outs in cases of deaths caused by any criminal act by the insured.
Product Information Forms Marketing Material Illustrations Supply Order Company Information Pre-approved Ads Underwriting Information Webinars
Minimum Face: $25,000 Increases: Not permitted 18 – 80 Issue Ages: Decreases: Permitted in writing not Nearest birthday to decrease below minimum face amount Guarantee DB: Between 95 and 121 Benefits/Riders: - Cash-Out 15, 20, 25 Yrs Gender: Male/Female - ABRs Unisex not available - Disability Waiver of Stipulated Premium - Children’s Level Term Premium Modes: Annual, Semi-Annual, Quarterly, Monthly Rider Minimum Guaranteed Interest Rate: 2.5% Surrender Charges: First 10 policy years
Accelerated Benefit Riders from American National Insurance Company Life When You Need It!
Accelerated Benefit Availability Added automatically to newly issued policies • that qualify* • Some states may not approve all riders (check individual states for approval) *California requires qualification and supplemental forms
Chronic Illness • Insured is unable to perform 2 of 6 activities of daily living (ADLs) for a period of 90 days or requires constant supervision to protect from threats to health or safety due to a severe cognitive impairment • The Activities of Daily Living are: • Bathing, continence, dressing, eating, toileting and transferring (Form ABR14-CH)
Covered Critical Illnesses include: Heart Attack 1. Stroke 2. Invasive Cancer 3. End stage renal failure 4. Major organ transplant 5. ALS 6. Blindness 7. Paralysis 8. Arterial aneurysms 9. Central Nervous System Tumors 10. Loss of limbs 11. Major burns (>40% BSA, 3 rd degree) 12. Severe disease of any organ (resulting in significantly altered life 13. expectancy Major multi-system trauma (major injury to 3 or more 14. organs/systems)* AIDS* 15. Severe central nervous system disease (Parkinson’s, Huntington’s, 16. Multiple Sclerosis, Encephalitis with long-term effects)* *NOT AVAILABLE IN CALIFORNIA
Terminal Illness Life expectancy of less than 24* months • Available on all classes • • Terminal Illnesses can cost an incredible amount of money and cause stress and worry for those involved • Sometimes having money during life to meet health care costs to make loved ones more comfortable or give them hope is more important than having a death benefit later *Some states may limit the definition of terminal illness to conditions that are expected to result in death within 12 months
ANICO Indexed Universal Life, Face Amount: $100,000 Option A, 45 Year old Female, Standard Non-User, Annual Premium $898.22 (Using current illustrated rates) Chronic and Critical Illness Attained Age Terminal Illness Slight Moderate Severe Impairment Impairment Impairment 47 $0 $38,151 $76,303 $87,997 65 $15,927 $46,528 $77,128 $88,462 75 $32,978 $55,264 $77,730 $88,801 85 $55,545 $67,671 $79,796 $89,965
Ronnie M. Russell National Sales Manager cell: (713) 858-4424 email: ronnie.russell@americannational.com
New Comparability Profit Safe Harbor Sharing Cash 401(k) Plan Balance Defined Solo 401(k) Benefit Plan Everything… 412(e)(3) ROTH
Professional S- Service Corporations Corporations C- LLC’s, LLP’s Corporations All Business Sole Partnerships Proprietors Types Welcome
Plan Design One Stop Low Fees Resource Why Choose ANICO? Quantity Internal and TPA Quality of Investment Services Choices Investment Management Options
• Beauty Shops • Veterinarian Offices • Doctor’s offices • Landscape Companies • Lawyer’s office • Textile Companies • Consultants • Paper Companies • Realtors • Manufacturing Companies • Flower Shops • Retail Shops • Body Shops • Bakeries • Repair Shops • Insurance Agencies • Home Health Care • Financial Services Companies Agencies • Engineering Firms • Copy Shops • Design Firms • Online Shops • Farmers • Jewelry Shops • Dentists • Funeral Homes • Small Restaurants • And the list goes on…
Ronnie M. Russell National Sales Manager cell: (713) 858-4424 email: ronnie.russell@americannational.com
Recommend
More recommend
