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Whole Life
A lifetime of protection
Unexpected life events don’t have to create financial hardship for the ones you love. Long-term financial instruments such as whole life insurance offer a dependable way for you keep your loved ones financially secure even after you’ve gone.
When you choose one of American National’s whole life insurance policies, you’re choosing a lifetime of protection. Our whole life products provide guaranteed benefits for your loved ones after you’re gone, as long as the premiums are paid in a timely manner.
Features of whole life insurance include:
Fixed premium – Budgeting is easy with a consistent premium payment.
Accumulation of a cash value – Cash value accumulates over time, and some policies may allow you to borrow against it.
Fixed benefit – You can choose the amount you leave to loved ones, and rest easy knowing that’s what they’ll get.
- Guaranteed Death Benefit: The face amount of the policy will be paid to the beneficiary tax-free upon the death of the insured assuming no outstanding loans and premiums are paid as outlined in the policy.
- Guaranteed Level Premiums: The level premiums are guaranteed to remain the same for the life od the policy. Premiums payable to age 95.
- Guaranteed Cash Value: Through continued premium payments, the cash value will grow tax-deferred at a fixed rate and is available to borrow in the event of a financial emergency or other need.
Form Series: NPWL18
- Available for individuals age 45-80 who cannot qualify for a standard or rated policy.
- No underwriting requirements required to qualify. Qualification is based on questions in the application.
- Guaranteed Death Benefit and Level premiums.
- For the first two years, the Death Benefit is equal to 110% of the premium due and paid. Beginning the third policy year, the Death Benefit is equal to the face amount of the policy.
- Full benefits for death by accident during the first two years.
Form Series: GBL13; GBL18