menu INSURANCE ABOUT CONTACT CLAIMS lock LOG IN search WHOLE LIFE TERM LIFE UNIVERSAL LIFE INDEXED UNIVERSAL LIFE GUARANTEED UNIVERSAL LIFE Life Insurance The minute you realize that someone depends on you, everything changes. Life Insurance gives you the peace of mind to know you'll always be there for your loved ones. We can help find an insurance policy that fits you. FIND AN AGENT Find insurance for every stage of life. VIEW PRODUCTS Choice is a good thing We offer many different types of life insurance to suit a variety of needs and situations. How you would like to provide for your loves ones is up to you. Whole Life 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. Fixed Premium The cost of your policy will stay the same so you know what to expect. Dividends Options Although not guaranteed, we have a history of paying dividends to our policy holders. Fixed Benefits Feel good knowing your loved ones will receive their benefits on the terms you've defined. Term Life 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: Choose Your Coverage - With our Annual Renewable Term (ART) you can get short term needs at an affordable cost - 5, 10, 15, 20, 30 year term periods available 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 *Subject to the policy's conversion provision. Universal Life 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. Flexible Premiums You may be able to adjust how much you pay into your policy as long as you keep enough available cash value Flexible Benefits You have the ability to increase or decrease your death benefits Loan Access You can borrow against a portion of your policy's cash value to help you pay for the unexpected Optional Riders Riders help you customize your policy with options like disability waivers, extending coverage and covering your kids Universal Life policy values are interest-rate sensitive. Interest crediting rates are set by the insurer and subject to policy-specific requirements. Indexed Universal Life Earning opportunities that you can pass on Your policy can be tied to a particular stock index, such as the S&P 500®, and earn credited interest based on its performance. As an added benefit, your policy will never be credited a negative interest rate. 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. Talk to an agent today If you get your life insurance policy up and running right now, you can rest easy knowing your loved ones are well taken care of. 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In New York, business is written through Farm Family Casualty Insurance Company, United Farm Family Insurance Company, and American National Life Insurance Company of New York, Glenmont, New York. Property and casualty insurance is written through American National Property And Casualty Company, Springfield, Missouri, and its subsidiaries and affiliates. Other products and services referenced in this website, such as life insurance, annuities, health insurance, credit insurance, and pension products, are written through multiple companies. Not all products and services are available in all states. Not all companies are licensed in all states. 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. Terms & Conditions Privacy Policy and Other Legal Notices New York Domestic Violence Notice Site Map Copyright© 2021 American National Insurance Company, Galveston, Texas. All rights reserved. ANNIE Assistant ANNIE Assistant said Hi! I'm Annie®, a virtual assistant at American National. How can I help you today? Here are some options you can ask me about: What can you do? Where can I make a payment? Help me find my payment information Get a quote Hi! I’m a virtual assistant. How can I help you today?