Life
Insurance Riders
Disability Premium
Waiver
Provides that American National will waive the premiums
for this policy if you become disabled. (Disability must be continuous for at
least six months and must begin before age 60.) (Form LPW84)
Accidental
Death Benefit
Provides an additional amount payable in the event
of your death as the result of an accident. (Form DAM84)
Children's
Term Rider
Insures each child age 15 days through 18 years at
issue while the benefit is in force. Coverage on each child terminates at age
25, but each $1,000 of coverage may be converted to as much as $5,000 of permanent
insurance without new evidence of insurability. (Form CTR88)
Spouse Term Rider
Insures your
spouse for a specified time. This term coverage is convertible to a permanent
life insurance policy on the life of the spouse. (Form SARTR94)
Additional
Insurance Option Rider
Makes it possible for you to increase
the specified amount of insurance at specified ages or events (such as the birth
of a child), and allows you to do so regardless of health, occupation or military
status. (Form GIO90)
Accelerated
Benefits Option Rider
(Not available with term policies) Under
this rider, you may be able to receive, in advance, a part of your policy's death
benefit before you die, if you become terminally ill (written proof will be required)
and have less than 12 months to live. The initial benefit wil be 50% of the eligible
death benefit or $250,000, whichever is less. Subsequent accelerated benefit may
be advanced to cover interest charges or premium payment. Maximum benefit under
this rider wil be 80% of the eligible death benefits or $400,000, whichever is
less. This rider is not approved in all states. (Form ACC91)
A
two-year suicide provision is included in policies (one year in Colorado and North
Dakota). If a policyholder commits suicide during the first two policy years,
only a refund of premiums will be made (Missouri requires coverage for acts of
suicide, unless it can be proved that the insured intended suicide at the time
the application was completed).
The
foregoing is neither a contract nor an offer to contract, but is a general description
of benefits available under a policy providing the benefits outlined. The exact
provisions, terms and conditions of the contract are set forth in detail in any
such policy as may be issued.
American National Insurance
Company, Galveston, TX
American National Property and Casualty Company,
Springfield, MO
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. All products, coverages, and options
are not available in all states, and eligibility guidelines apply. American
National Family of Companies reserves the right to discontinue programs
at any time.
This
site may have links to other sites, which are not maintained by American
National Insurance Company, it's 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.
