A lifetime of protection
With our Whole Life options, you can help make sure your loved ones receive guaranteed benefits after you’re gone – no matter when that is.
Although not guaranteed, we have a history of paying dividends to our policy holders.
Feel good knowing your loved ones will receive their benefits on the terms you’ve defined.
Fixed monthly payments and level payouts
Your kids grow up, your mortgage gets paid off and your financial needs change. With Term Life, you have coverage options without a lifelong commitment.
People choose Term Life for a variety of reasons:
Helps with costs to defend and settle claims against your business, including property damage and bodily injury.
Affordable Coverage – Only pay for the years when your family needs it most
Adapts to You – Coverage that can adapt to you, such as receiving benefits early to cover an illness
Flexibility You Need – Convert your coverage to permanent life insurance if your needs change
More flexibility but the same lifelong coverage
Like Whole Life, Universal Life is considered a permanent life insurance policy. So what’s different? Universal Life gives you the flexibility to adjust both your payments and payout amounts as your journey unfolds.
You may be able to adjust how much you pay into your policy as long as you keep enough available cash value
You have the ability to increase or decrease your death benefits
You can borrow against a portion of your policy’s cash value to help you pay for the unexpected
Riders help you customize your policy with options like disability waivers, extending coverage and covering your kids
Indexed Universal Life
Earning opportunities that you can pass on
Flexible Premiums – you may be able to make adjustments to your payments as long as your policy has enough value
Flexible Benefits – Policies may allow you to increase or decrease certain benefits
Loan Access – You can borrow against a portion of your policy in order to meet unexpected financial needs
Optional Riders – Many policies offer riders that can be customized to help you accelerate benefits, change and even extend your coverage
Indexed Universal Life policy values are interest-rate sensitive. Interest crediting rates are set by the insurer and subject to policy-specific requirements.
Guaranteed Universal Life
There when you need it
Customize the Length of Your Guaranteed Death Benefit
Whether you only need coverage to a certain age or a guarantee that can last a lifetime, you can select the guarantees that work for you.
Cash out the Policy at a Later Date if Your Needs Change
If your circumstances change or you no longer need life insurance, the Guaranteed Cash-Out Rider may be your way to restore financial stability.
Ease Financial Strain by Accelerating the Death Benefit
Should you become terminally ill, a full or partial accelerated death benefit may be available to you, providing an unrestricted cash benefit for you to use for any purpose.
Fixed Deferred Annuity
Tax Deferred Growth – Allow your initial investment to grow tax-free, then only pay taxes on income you actually receive
Fixed Rate of Return – Have peace of mind and eliminate market uncertainty knowing exactly what your money is earning
Access Your Money – Choose from several options for partial withdrawals or conversions to income payments, subject to taxes and surrender charges
Optional Benefit Rider – Choose the optional Lifetime Income Rider to guarantee you never outlive your income. Receive guaranteed income for life even when your annuity value is zero.
*Not available in all states
Single Premium Immediate Annuity
From insurance proceeds to retirement payouts, a single premium immediate annuity can turn a lump sum of money into a predictable stream of income.
Keep More Of What You Make – Spreading your income over a number of years may make your tax liability more manageable
Predictability – Structure your payments by choosing the amount you want to receive and for how long
Access Your Funds – If you unexpectedly need cash, there are options that may help suit your needs (subject to taxes and surrender charges)
Index Deferred Annuity
Your Investment performance will be tied to an index, giving it upside potential, while avoiding losses during negative economic years
Avoid taxes eating into your earnings and only pay them when you actually receive the money
Choose from several options for partial withdrawals or conversions to income payments, subject to taxes and surrender charges
The optional Lifetime Income Rider provides an income stream that is guaranteed for life, even if your annuity value falls to zero
Impressed With His Industry Knowledge
"Dustin has been our insurance agent for nearly 4 years now. We were very impressed with his industry knowledge— but more importantly, his honesty. He explained our coverage in depth so we know exactly what we are paying for. We are very happy with his office staff who are always kind if we have questions or need clarity. We would definitely recommend Dustin to anyone looking for an agent!"
"Dustin D., is amazing to work with! He makes you feel like you've been a customer for years, when in actuality you just met that day. Highly recommended to do business with him and American National!"
"I had a great experience when I got in a car accident. The agency helped me get through the process with all of my questions and made me feel very welcome at all times. I definitely recommend them to everyone I know!"
"When you think of insurance, you think of Home and Auto, or at least I did... Until I met Dustin, his knowledge of annuities and other various financial vessels saved me this tax season while preparing for the future."
"Super friendly staff that always goes the extra mile. Highly recommend to friends and family!"
"Dustin has been the best agent we have ever used. Hes trustworthy and always puts our interests ahead of his. He has helped my wife and I, my mother in law, my brother in law and other extended family members. If you are looking for the best look no further."
Peace of Mind
With you on life’s journey, every step of the way.