IMG-12047

For Agent Use Only; Not to be Reproduced or Shown to Consumers

American National Insurance Company

and YOU!

“A Partnership for the Future”

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To DO Businesswith American National

• Ratings• Products• Easy To DO Business• Technology• Target Markets• Pensions• Marketing Support

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

American National Insurance Company

and YOU!

Reasons To Do Business with ANICO

“Ratings”

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

American National Insurance Family Of Companies

A by AM Best & Co.

A by Standard & Poor

Comdex of85+*

Weis Ratingof B+*

Strength Matters – In Business Since 1905

*Source: Ebix Vital Sales Suite

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To Do Business with ANICO

“Products”

American National Insurance Company

and YOU!

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Products

Life

• ANICO Signature Term™

• ANICO Indexed UL• ANICO Executive UL• Affinity 7 Whole Life• Simplified Issue

• Term• Executive UL• Affinity Whole Life

Annuities

• Palladium® SPIA with COLA

• Value Lock 10 Indexed Annuity

• ANICO Strategy Indexed Annuity PLUS

• Palladium® MYG• WealthQuest® Citadel

Diamond 5&7 Series

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

We are the Competition!

#1

Form Series ART12 (Forms may vary by state)

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

ANICO Signature Term™

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Signature Term

10-Year 15-Year 20-Year 30-Year

18-70 18-65 18-60 18-50

Issue Ages

Face Amts $50k to $250k:• Standard• Substandard Tables 1-8• Flat extras permitted on all classes• Non-Nicotine and Nicotine users

Face Amts $250,001 and above:• Preferred Plus• Preferred• Standard Plus• Standard• Substandard Tables 1-8• Flat extras permitted on all classes• Non-Nicotine and Nicotine users

Signature Term Express 10, 15, 20 & 30Signature Term 10, 15, 20 & 30

Note: Ages 66-70 on 10 Year will require standard underwriting

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Underwriting Express

Face Amounts up to $250,000 at

Ages 18 – 65

Non-Nicotine Priced Between Standard & Standard Plus•Nicotine Priced at Standard

80% Approved in 3 days - 93%

Approved in 5 days

Note – Underwriting Express – aka

Signature Term ExpressFor amounts up to $250,000 and age 65. Full underwriting on all others. Standard and Substandard

rates only. Additional requirements may apply in some cases

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual 20-Year Level PremiumsMale, Standard Nicotine, Age 35, $500,000

Company PremiumAmerican National Insurance Company 1,415 Transamerica Life Insurance Company 1,415 Banner Life Insurance Company 1,435 American General Life Insurance Company 1,449 Pruco Life Insurance Company 1,455 Midland National Life Insurance Company 1,465 North American Co for Life and Health 1,465 Nationwide Life and Annuity Insurance Co 1,470 ReliaStar Life Insurance Company (ING) 1,505

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual 20-Year Level PremiumsMale, Standard NS, Age 55, $500,000

Company PremiumAmerican National Insurance Company 2,935 Midland National Life Insurance Company 2,935 North American Co for Life and Health 2,935 Transamerica Life Insurance Company 2,935 Genworth Life Insurance Company 2,940Savings Bank Life Insurance Co of MA 2,960Lincoln National Life Insurance Company 3,000ReliaStar Life Insurance Company (ING) 3,010 MetLife Investors USA Insurance Company 3,019

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual 20-Year Level PremiumsMale, Standard Plus, NS, Age 40, $300,000

Company PremiumAmerican National Insurance Company 405 Reliastar Life Insurance Company (ING) 411Columbus Life Insurance Company 413Principal National Life Insurance Company 420Transamerica Life Insurance Company 426National Life Insurance Company of Vermont 489Aviva Life & Annuity Company 501Pruco Life Insurance Company 508

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual 20-Year Level PremiumsMale, Standard Plus NS, Age 35, $500,000

Company PremiumAmerican National Insurance Company 440 Banner Life Insurance Company 440 American General Life Insurance Company 449ReliaStar Life Insurance Company (ING) 450Principal National Life Insurance Co 450 Pacific Life Insurance Company 455AXA Equitable Life Insurance Company 460Transamerica Life Insurance Company 475Aviva Life and Annuity Company 550

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual 30-Year Level PremiumsMale, Preferred, Nicotine, Age 50, $300,000

Company Premium

American National Insurance Company 3,780

Transamerica Life Insurance Company 3,786

Pacific Life Insurance Company 3,854

Principal National Life Insurance Co. 3,972

Aviva Life and Annuity Company 3,975

American General Life Insurance Company 4,024

Banner Life Insurance Company 4,025

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual 20-Year Level PremiumsFemale, Standard Plus NS, Age 30, $500,000

Company Premium

American National Insurance Company 345

Banner Life Insurance Company 345

AXA Equitable Life Insurance Company 350

Genworth Life & Annuity Insurance Company 350

American General Life Insurance Company 354

Pacific Life Insurance Company 360

Transamerica Life Insurance Company 360

MetLife Investors USA Insurance Company 364

Principal National Life Insurance Co 390

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual 20-Year Level PremiumsFemale, Preferred Nicotine, Age 20, $500,000

Company Premium

American National Insurance Company 620

Transamerica Life Insurance Company 620

Banner Life Insurance Company 635

AXA Equitable Life Insurance Company 640

American General Life Insurance Company 664

Lincoln National Life Insurance Company 675

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual 15-Year Level PremiumsFemale, Preferred NS, Age 30, $500,000

Company PremiumAmerican National Insurance Company 230Banner Life Insurance Company 230Genworth Life & Annuity Insurance Company 240American General Life Insurance Company 244AXA Equitable Life Insurance Company 245Pacific Life Insurance company 245ReliaStar Life Insurance Company (ING) 245Transamerica Life Insurance Company 250

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

ART Premium Option•Our Lowest Starting Premium*

•Current Premium Rates Guaranteed for 10 Years

•Convertible to 20 or 30-year Term for 3 Years(no conversion credit).

•Convertible to Permanent Insurance Until Earliest of 10th Anniversary or Age 65 (Never Less Than 5 Years)

•Same Commission Rates as 10-Year Level Premium Option

*Male insured under age 26 may have an initial ART premium greater than the 10-year level.

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

ART Starting PremiumsMale, Preferred Plus NS, Age 40, $500,000

Company Premium

American National Insurance Company 170

Aviva Life & Annuity Company 190

Banner Life Insurance Company 225

Pacific Life Insurance Company 230

MetLife Investors USA Insurance Company 245

National Life Insurance Co. of Vermont 250

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

ART Starting PremiumsMale, Preferred Plus NS, Age 50, $500,000

Company Premium

American National Insurance Company 285

Aviva Life and Annuity Company 415

Pacific Life Insurance Company 415

National Life Insurance Co of Vermont 450

AXA Equitable Life Insurance Company 462

Pacific Life Insurance Company 470

New York Life Insurance Company 495

Banner Life Insurance Company 510

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

ART Starting PremiumsMale, Preferred Plus NS, Age 50, $1,000,000

Company Premium

American National Insurance Company 500

Pacific Life Insurance Company 730

Aviva Life and Annuity Company 755

New York Life Insurance Company 760

AXA Equitable Life Insurance Company 813

National Life Insurance Co of Vermont 825

MetLife Investors USA Insurance Company 870

Source: Compulife October 4, 2013

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Riders

• Living Benefits Available with ANICO Signature Term™ Series

– Terminal Illness (12-24 months)

– Chronic Illness (2 of 6 ADLs)

– Critical Illness(16 illness triggers)

Living Benefits When You Need Them MostForm Series ABR11-TM, ABR11-CH, ABR11-CT (Forms may vary by state)

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Accelerated Benefit Riders

We are the Competition!

Competition has not embraced Living Benefits for Term

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Rider

“LUMP SUM” or “Partial” Benefit

$2,000,000 Benefit to age 65

$1,000,000 Benefit beyond age 65

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

NEW Partial Acceleration

• In the event an Insured elects not to fully accelerate the available death benefit, the Insured may now accelerate a portion of the death benefit based upon their current needs

• The maximum total Death Benefit available for acceleration is $2,000,000 for ages up to 65 and $1,000,000 for ages 66+ (including all eligible riders attached to the base policy)

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Partial Acceleration

• There is no minimum % of acceleration • Can be 5%,15%,30%, 75%, 100% etc.• Acceleration is not subject to a yearly cap• Acceleration can happen as frequently as

needed, multiple times a year*• Each Acceleration requires a claim to be

submitted to determine the amount of the benefit

*Each acceleration may have tax consequences and clients should be advised to consult their tax and legal advisors for each submitted claim.

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Riders

•Provides for the payment of a partial accelerated life insurance benefit!•Not required to take in installments

Great Benefit

s

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Riders

Accelerated Benefit Riders are not Long Term

Care Insurance

Majority of Americans do not buy or cannot afford

Long Term Care Insurance

Cost of Long Term Care Insurance is very

expensive and may not be needed

Accelerated Benefit Riders may enable consumer with qualifying condition to receive a discounted partial accelerated benefit in lieu of the full death benefit that can be used to help pay expenses of Terminal, Chronic and Critical Illness

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Take Control of Your Future

Although no one expects such events, you can plan for them to help protect from these catastrophic events

When illness strikes:

Paychecks are missed,

Medical expenses

rise

Financial stress

mounts

One of the ways to plan is to buy life insurance that

includes Accelerated Benefit Riders

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit RidersDesigned as Living Benefits to Help You Sell Life

**Three great living benefits for No Additional Premium2**

Access a discounted accelerated benefit in lieu of policy’s death benefit while insured is still living IF:Terminal Illness - insured has an illness or chronic condition that is expected to result in Death Within 24 Months1.

Critical Illness – an eligible insured experiences a critical illness – Covered Critical Illness includes 16 Different Illnesses.

Chronic Illness – an eligible insured is unable to perform 2 of 6 activities of daily living (2 of 6 ADLs).

*Some states limit the definition of terminal illness to 12 months. The Accelerated Benefit Riders are offered for no additional premium; however, the accelerated benefit payment will be less than the death benefit because it is reduced by an actuarial discount which is based on the insured’s future expected mortality at the time the benefit is exercised as well as an administrative fee of up to $500 that is assessed when accelerated benefits are elected.

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Riders

Chronic Illness •Insured is unable to perform 2 of 6 activities of daily living (ADLs) or requires supervision due to severe cognitive impairmentBathing Continence Dressing Eating Toileting Transferring

The Activities of Daily Living are:

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Riders Critical Illness

Triggered by a specific qualifying health event where critical illness transpires

Most of the competition only covers 6 triggers

Heart Attack Stroke Invasive Cancer End stage renal failure Major organ transplant ALS Blindness Paralysis

Covered Critical Illnesses: Arterial aneurysms Central nervous system disease Central nervous system tumors AIDS Major burns Major Multi-system trauma Severe disease of any organ Loss of limbs

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Rider Terminal Illness

– Life expectancy of less than 24* months• Some states may limit the definition of terminal illness to

conditions that are expected to result in death within 12 months

– Available on all classes– Terminal Illnesses can cost an incredible amount of

money and cause stress and worry for those involved

Sometimes having money during life to meet health care costs to make loved ones more comfortable or give them hope is more important than having a death benefit later.

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Rider

Terminal Illness –

• None

Chronic Illness –

• Condition must exist for 90 days prior to a claim (does not apply to cognitive impairment)

Critical Illness –

• Claims will not be processed until at least 30 days after the qualifying event and no accelerated benefit will be paid for any qualifying event that occurs on or before the issue date of the base policy

• Waiting Periods:

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit RidersPayment of Benefits will be the greater of:

Eligible Death Benefit

Actuarial Discount

Administrative Fee (not to exceed $500)

Pro rata policy debt payment*

Accelerated Benefit Amount

less

less

less

Or the Pro rata Cash Surrender Value*The amount of outstanding policy loans plus accumulated interest will be deducted only if the qualifying insured is the insured under the base policy.

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Accelerated Benefit Riders

• Actuarial discount computed to make accelerated benefit amount equivalent to present value of eligible death benefit less the present value of future premiums required to keep the policy in force

• Factors Impacting:• Accelerated Benefit Interest Rate• Severity of Qualifying Medical Condition• Future Premiums• Future Anticipated Dividends• Cash Value Associated with Eligible Death Benefit

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Tax Consequences• Terminal Illness should be Non Taxable

• Chronic Illness Rider distribution may receive favorable tax treatment as it is subject to daily limit of $330 or $120,450 annually for 2014 or amount of qualified long- term care expenses. All insurance benefits are considered in evaluating these limits.

• Payments received under Critical Illness Rider may be excluded under accidental health policy and IRC Section 105(b) and 105(c) (check with tax advisors)

• Clients should consult their tax and legal advisors to determine applicability to their individual situation

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Tax Consequences

• Payments received under critical illness may not be taxable under certain circumstances.

• American National does not determine the tax consequences of any payments.

• Advise your client to consult a tax professional to determine taxability in their situation.

For Agent Use Only; Not for Distribution or Use with Consumers

IMG12690

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Conversion - Signature Term

Available

Through 5th

Anniversary

Prorated in First

Policy Year

Not Available with

Conversion to Term (ART)

Conversion

Credit not

commissionable

but remaind

er commissionable

Credit of 100% of Annual Term Premium Payable in

Year of Conversion

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Converting ANICO Signature Term™ Policies

Can convert to an individual permanent policy currently offered by ANICO 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 no later than the insured’s 65th birthday

In no cases will the conversion period be less than 5 years

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Conversions - ART

Term to Term conversions not eligible for conversion credit

Policy can be converted to permanent insurance during the ten year conversion period which applies to issue ages 55 and younger

For issue ages greater than 55, conversion period is 5 years or to age 65

During first three policy years, policy can be converted to an ANICO Signature Term™ policy with a level premium period of at least 20 years

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Signature Term “Package”

5 Product Choices Living Benefits

Underwriting ExpressART – Lowest CostTerm To TermConversion Credit

COMPETITIVE RATES

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To Do Business with ANICO

“Products”

ANICO Indexed Universal Life

ANICO Executive Universal Life

Affinity 7 NQ Whole Life

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Signature Term Rider

Competitive Signature Term Rates • Indexed & Exec UL• 10,15,20 Year Term• Min: $25,000• Max: 4x UL policy face amount • Insured:

Primary, Spouse, Other adult family members, business associates

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Available Products(Applies to Accelerated Benefit Riders and The Underwriting Express Program)

Form Series Exec-UL, Exec-ULU (Forms may vary by state)

Form Series PWL-CSO, PWLU-CSO (Forms may vary by state)

Form Series IUL08, IULU08 (Forms may vary by state)The ANICO Indexed Universal Life Insurance policy is not a registered security or stock market investment and does not directly participate in any stock or equity investment or index. When an individual purchases the policy, the individual is

not buying an ownership interest in any stock or index

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

ANICO INDEXED UL - IUL

The Competitive Niche:

****LIVING BENEFITS****

Accumulation & Distribution

Cash Accumulation For Tax Free Withdrawals

Supplemental Retirement

Educational Funding Mortgage Payoff

Strategies listed above are available via loans against the policy. Loans are subject to interest charges and can reduce the death benefit paid to beneficiaries. Outstanding loans may affect the policy’s death benefit, the value of the policy and possibly the length of time the policy remains in force.

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

ANICO IUL

• The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by American National Insurance Company.   Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”);   Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by American National Insurance Company.  American National Insurance Company’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

• The ANICO Indexed Universal Life Insurance policy is not a registered security or stock market investment and does not directly participate in any stock or equity investment or index. When an individual purchases the policy, the individual is not buying an ownership interest in any stock or index

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Annual Point to Point with No Averaging

100% Participation for the Life of the Contract

Fixed & Indexed Account (Fixed = 4.35% as of 4/1/14)

Annually Declared Cap (14% as of 4/1/14)

Issue Ages: 0-85

Why American National’s IUL

ANICO Indexed UL – Indexed to the S&P 500

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

•no participation in Market LossesDownside Protection –

•Critical, Chronic and Terminal IllnessLiving Benefits:

•first 10 YearsSafety Net Guarantee

10-Yr. Surrender Period

3% Lifetime <cumulative> ‘Look-Back’ Guaranteed Return*

Why American National’s IUL

2-Year RollingTarget

*Until Insured’s death or full surrender

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Target Market SaleSolves 3 Needs

Concept:Min Ins./Max Loan Target Premium

$ 250 per month for a Female age 25

$212,006 Insurance Coverage $535,714$1,187 Target Premium (Commissionable) $3,000

$653,946 CV @ 65 $509,878$89,558 Loan @ 65 (A) – Supp. Retirement $56,596$115,404 CV @ 45 (B) – Educational Funding $93,232$186,220 CV @ 50 (C) – Mortgage Payoff $150,182

YES Underwriting Express NO

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Why ANICO EXECUTIVE UL

The Competitive Niche:

****LIVING BENEFITS****

•No Lapse Guarantee* (Lifetime)•Single Premium W/ Lifetime Guarantee*

Solving Basic

Insurance Needs:

*Available via the Coverage Continuation Rider, Form Series CCVR (Forms may vary by state)

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Executive UL (Key Features)“Underwriting Express”

• Current Assumption UL• Cash Value Accumulation• Flexible Premiums (All Solves)• Guaranteed Lifetime Benefit (No Lapse)*• Over Loan Protection Benefit• Death Benefit Option C (ROP + Specified amount)• Single Premium Concept

***24 Month Rolling Target Premium Commission***

*Available via the Coverage Continuation Rider, Form Series CCVR (Forms may vary by state)

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Affinity 7 – Whole Life

Basic Insurance Need

• Participating• Low Minimum Face Amount $10,000*• Family Plan Riders• Dividend Options

Competitive Edge:

• Whole Life With LIVING BENEFITS

*subject to SALI requirements

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To Do Business With American National

Signature Term •Competitive ART – 10,15,20 & 30 Year Term

Living Benefits

Underwriting Express

Indexed UL

Executive UL

Whole Life

IMG-12047

For Agent Use Only; Not to be Reproduced or Shown to Consumers

American National Insurance Company

and YOU!

“A Partnership for the Future”

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To DO Businesswith American National

Marketing Support

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Marketing Support

• Field Support Center 1-888-501-4043 opt. #1 then #3• Free Sales Materials• E- Blasts• Webinars• Monthly News Letter• Pre-approved Ads• Sales Ideas• Sales Conferences and Contests• Advanced Sales Support• Website: www.img.anicoweb.com

IMG-12047

For Agent Use Only; Not to be Reproduced or Shown to Consumers

We are the Competition!Field Support 1-888-501-4043

www.img.anicoweb.com

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To Do Business With American National

Signature Term Package Underwriting Express

Living Benefits on All Products ( No Additional Premium)

Technology – E-App – iPad – Mobile App – Real Time Data

Turn Key Pension PlansSimplified Issue – Target Markets

Field Support Center - Communications

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To Do Business With American National

Target Markets

Simplified Issue For Approved Groups

Federal Employees

Teachers, Policemen, Firemen, City & State WorkersWe Make It Easy To Do Business

We Are The Competition!

List Bill – Payroll Deduction Or EFT

Sales Contests

Annual Convention

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To DO Businesswith American National

American National Makes it Easy to Do Business

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Benefits?1. Obtain Insurance Quicker

2. Less Invasive Process

Why American National For Life ?

Underwriting + Markets

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To DO Businesswith American National

Technology

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Technology

iPipeline – iGO e-App® iPhone®

iPad®Illustrations• iPipeline - Vital Term

CompuLife & Company - (winflex in May)

E-Agent (Business Management System)

Website – www.img.anicoweb.com

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

e-Application thru iPipeline®

Submit applications for Signature Term, Indexed UL and Executive UL via iGO e-App®

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To DO Businesswith American National

Target Markets

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Target Market Products:

Target Markets:

• Basic Family Insurance Needs• Business • Supplemental Retirement Income• Educational Funding• Guaranteed Income

Target “Niche” Markets:

Simplified Issue Programs

• Federal Employees – Postal, Federal and contract employees

• Teachers, State and City workers (Firemen, Police etc.)

• Employer Groups – Business and Non-Business (Worksite)

Underwriting Express: Making doing business easier for the producer

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Simplified Issue

SI through $250,000

Up to table 4 ratings standard

Short Form Application

Issue ages 18 to 65

10 Applications required

***No Medicals – No Blood – No Specimens***Approval is based on application information provided

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Simplified Issue

Pre-Approval required

All full time employees eligible

Can be list bill to employer and payroll deducted or bank draft to employee

Executive SI UL - Affinity 7 Whole Life – Signature Term

***No Medicals – No Blood – No Specimens***

IMG-12047 For Agent Use Only; Not to be Reproduced or Shown to Consumers

Reasons To DO Businesswith American National

American National’s Suite of Annuities• Indexed Annuities• Fixed Annuities• Single Premium Immediate Annuity

IMG-12047

For Agent Use Only; Not to be Reproduced or Shown to Consumers

We are the Competition!Field Support 1-888-501-4043

www.img.anicoweb.com