Signature Whole Life
MINIMUM FACE AMOUNT
Band 1: $10,000 to $99,999
Band 2: $100,000 to $250,000
Band 3: $250,001 to $999,999
Band 4: $1,000,000+
Preferred Plus nicotine non-user*
Preferred nicotine non-user*
Standard Plus nicotine non-user*
Standard nicotine non-user
Standard nicotine user
*These classes are not available for face amounts of $250,000 or less for ages 0-65
Substandard nicotine users and non-user table 1 - 16
Signature Whole life insurance is designed to provide permanent coverage. The coverage and the financial benefits provided will be there when it is needed, no matter when that may be. Signature Whole Life provides a stable premium, a guaranteed death benefit, and cash values. It also provides the potential to receive policy dividends.
If you are looking for a lower face value product, visit the Strategy Whole Life product page with American National of Texas.
- Premiums – Signature WL premiums are fixed at the beginning of the policy and will not increase, regardless of health or age.
- Cash Value – The guaranteed cash value will grow each year at a fixed rate and be able to borrow in the event of financial emergency or other need.
- Death Benefit
DIVIDENDS: NON-GUARANTEED POTENTIAL
Dividends depend on the financial results of American National and may be paid to policy holders at the end of each policy year. Although dividends are not guaranteed, American National has a history of paying dividends to whole life policy holders. Dividend options:
- Premium Reduction
- Dividend Accumulation
- Paid up Additions
PAID UP ADDITIONS RIDER
Allows the client to purchase paid-up participating whole life insurance. The paid up insurance can be paid as either a one-time purchase payment at the time of application or via scheduled payments for a specified duration of time.
- Accelerated Benefit Riders
- Children’s Term Rider
- ANICO Signature Term Rider – ART, 10, 15, 20, 30 years
- Disability Premium Waiver
- Guaranteed Insurance Option Rider
There may be an additional cost for the riders above, see Benefits and Rider Guide on the right for complete rider information. All riders are not available in all states.