Signature Term

Key Facts

MINIMUM FACE AMOUNT
  • $50,000
ISSUE AGES
  • ART
    • 18-65
  • 10 Year
    • 18-70
  • 15 Year
    • 18-65
  • 20 Year
    • 18-60
  • 30 Year
    • 18-50

Living Benefits

  • Chronic
    • 2 of 6 ADL's for over 90 days
  • Critical
    • 16 eligible critical illnesses
  • Terminal
    • Life Expectancy 12-24 months (depends on state)

Overview

The American National of Texas Signature Term should be your new go-to term product. This product is affordable and easy for clients.

What is Xpress?

(Formerly Underwriting Express)

An underwriting program that is available for clients 65 or under and applying for a Face Amount of $250,000 or less that is designed to speed up the underwriting process to allow for quicker issues and faster turnarounds.

Underwriting decision is based primarily on answers to the application, MIB, and RX. MVR, Phone Interviews, APS’s, and exams may be required on certain applicants.

Issue Ages 0-65
Face Amounts Up to $250,000
eApp? Available but not required.
Products All individual life products.

What is Xpress Plus?

Xpress Plus is a new underwriting program that expedites the application process and saves your customers time and hassle by automating a portion of the underwriting process for applications submitted electronically.

When you submit an individual application that is within the parameters of the Xpress Plus program, exams are not automatically required. If an exam is required, you will be notified, either immediately or via ExpertOffice.

Issue Ages 0-60
Face Amounts Ages 0-50: $250,001 - $1,000,000
Ages 51-60: $250,001 - $500,000
eApp? Yes, required to use the program.
Products All individual life products.

If submitted through ExpertApp:

  • If answers on the application prompt the need for an exam, the agent will receive a notification immediately in ExpertApp.
  • If the MIB, RX, and/or Risk Classifier prompt the need for an exam, the agent will receive a notification via ExpertOffice and email.

 

CONVERSIONS

The ANTEX Signature Term offers a very important option allowing you to adjust your clients insurance protection to meet changing needs. If you find they need a more permanent type of financial protection or desire to build cash value, you may convert to any individual permanent life insurance policy currently offered by us for conversions, using the same underwriting basis and issued at an equivalent rate class. The conversion option will expire on the policy anniversary at the end of the initial term period, but not later than the insured’s 65th birthday. In no case will the conversion period be less than five years. American National Life Insurance Company of Texas will provide a term conversion credit of 100% of the annual premium for conversions that
occur during the first five policy years (prorated in the first policy year). The conversion credit is only available on conversions to permanent products. Other than conversions, you cannot make any changes to their policy.

ADDITIONAL RIDERS

  • Accelerated Benefit Riders
  • Children’s Level Term Rider

 

Product Details

CONSUMER MATERIALS

Brochure

Accelerated Benefits Brochure

AGENT MATERIALS

Quoting

Underwriting Guide

Electronic App

Forms and Paper Applications

ANTEX Quick Contacts

State Approvals

Underwriting Express

Conversion Credit Program

TESTIMONIALS

I have thoroughly enjoyed working with Moody Insurance Group. It is so refreshing to be able to always get a real person on the phone. Their attention to detail and desire for us agents to succeed is so genuine and appreciated. Their hospitality was wonderful doing my visit to headquarters for Income Engineering training.

Marvin A. Johnson, Owner, JMJ Insurance and Associates

2017-02-20T22:06:22-06:00

Marvin A. Johnson, Owner, JMJ Insurance and Associates

I have thoroughly enjoyed working with Moody Insurance Group. It is so refreshing to be able to always get a real person on the phone. Their attention to detail and desire for us agents to succeed is so genuine and appreciated. Their hospitality was wonderful doing my visit to headquarters for Income Engineering training.
As an individual who has worked in the financial markets for many years, I have chosen to work with The Moody Group for a number of reasons. First, the products are some of the best in the industry. Second, the support I receive from the Marketing and Management Team is unexcelled. And third, the Moody Group maintains a very high level of ethics and standards in its marketing and sales philosophy.

Rodney Minks, Owner, Crown Benefits Group, Irving, Texas

2017-02-20T22:07:49-06:00

Rodney Minks, Owner, Crown Benefits Group, Irving, Texas

As an individual who has worked in the financial markets for many years, I have chosen to work with The Moody Group for a number of reasons. First, the products are some of the best in the industry. Second, the support I receive from the Marketing and Management Team is unexcelled. And third, the Moody Group maintains a very high level of ethics and standards in its marketing and sales philosophy.
The team at Moody Insurance Group is an asset to my business. I count on them for product knowledge, sales training, and marketing support. I enjoy the small team environment they foster.

Mike Markiewicz, Markiewicz Financial Group

Houston, TX

2017-04-12T14:30:07-06:00

Mike Markiewicz, Markiewicz Financial Group

Houston, TX

The team at Moody Insurance Group is an asset to my business. I count on them for product knowledge, sales training, and marketing support. I enjoy the small team environment they foster.
Why would I recommend doing Business with ANTEX? Being that Final Expense is the vast majority of my business, the Moody Group offers unique options such as 401K’s that other IMO’s don’t have to expand my company. The Corporate Management is a quick phone call away from my questions & make you feel welcomed.

ANTEX is part of American National which makes the financial strength & stability part of what I sell my clients.
Kyle Gilreath, The Gilreath Group

Auburn, AL




2017-04-25T20:33:05-06:00
Why would I recommend doing Business with ANTEX? Being that Final Expense is the vast majority of my business, the Moody Group offers unique options such as 401K’s that other IMO’s don’t have to expand my company. The Corporate Management is a quick phone call away from my questions & make you feel welcomed. ANTEX is part of American National which makes the financial strength & stability part of what I sell my clients. Kyle Gilreath, The Gilreath Group Auburn, AL

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CONTACT US

Address

Moody Insurance Group, Inc.

2302 Post Office, Suite 601

Galveston, Texas 77550

Phone

800.252.4002

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