Whole Life Insurance

Life Insurance is one of the most important things you can do for you family. If you were in a tragic accident or were diagnosed with a terminal illness and died, how would your family maintain their current standard of living? Even if you are a stay-at-home mom, the cost to send your children to daycare and maintain a household are valuable. Whole life insurance protects your family in the event of your death.

Guaranteed to be in-force until the policyholder dies, as long as premiums are paid, whole life insurance extends upon term life Insurance by having no end date. Unlike term life insurance, whole life builds cash value. The policyholder may borrow that cash value from his or her policy, however, loans on the policy can reduce the cash value and/or the death benefit.

The policyholder may elect to pay the premium until he or she dies or purchase a paid up policy in which premiums may be paid until a specific date or time.

Below is a chart that outlines what a whole life insurance policy offers.

* Whole Life and Universal Life policies may mature at age 100 or 121, depending on the terms of the policy

** Payout for whole life will depend on dividend option selected. Payout for universal life will depend on death benefit option selected

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.

Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. or Farm Family Life Insurance Company, Glenmont, NY.

Personal lines and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC^®), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents).

Commercial insurance is issued through Farm Family Casualty Company, Glenmont NY in CT, DE, MA, ME, NH, NJ, NY, RI, VA, VT and WV and United Farm Family Insurance Company in MD and PA.

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 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. Eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to 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.