GALVESTON, Texas, March 01, 2017 (GLOBE NEWSWIRE) — American National Insurance Company announces a new product, Signature Whole Life Insurance (SWL), available [March 1, 2017].  Signature Whole Life is one of the lowest priced participating whole life products in the industry.  Signature WL provides guaranteed lifetime Death Benefit protection and the option to obtain additional death benefit through the highly flexible Paid Up Additions Rider (PUA). The Paid Up Additions Rider allows clients to purchase paid-up participating whole life insurance either as a one-time purchase payment at the time of application or via scheduled payments for a specified duration of time, up to age 85.

American National has enhanced its Whole Life solution for the market using the 2017 Commissioner’s Standard Ordinary (CSO) tables and is lowering premiums on the Signature Whole Life to provide a more competitive product.  American National believes consumers want the stability of a fixed premium that will not increase in later years along with a guarantee that their death benefit will be there when they need it.

Signature Whole Life is a death benefit product that provides for a family’s needs after the death of the insured.  The death benefit may be used to help with various needs such as final expenses, college funding, debt protection, retirement income, assuring continuation of the family business, and providing tax-advantaged wealth transfer to future generations. 

Signature Whole Life provides a cost effective means for customers to leave their loved ones a legacy but also serves as an emergency fund with cash value available if circumstances change.  This product also includes, at no additional premium, three Living Benefits covering critical, chronic, and terminal illness in the form of Accelerated Benefit Riders.*

Signature Whole Life is a participating whole life policy that pays potential dividends to the policy holder.  Dividends can be paid directly to the owner each year, used to reduce the next scheduled premium, left with American National to accumulate interest until the client is ready to withdraw, or used to purchase paid up additional life insurance.  The policy also contains an optional Guaranteed Insurance Option Rider that allows a qualifying policy owner to add additional insurance coverage on specified dates or events during their lifetime without providing evidence of insurability.

David A. Behrens, Executive Vice President of American National Insurance Company stated, “American National’s new Signature Whole Life Insurance offers a guaranteed death benefit and a financial safety net that provides a permanent layer of protection against life’s unplanned events.  With a fixed, low premium, Accelerated Benefits Riders, and many optional riders to choose from, consumers can customize a policy that meets their specific needs and have peace of mind knowing they will have a fixed premium and permanent protection.”

About the Company 

American National Insurance Company (American National), headquartered in Galveston, Texas, was founded in 1905 and is licensed to conduct the business of insurance in all states except New York. American National offers a broad line of products and services, which include life insurance, annuities, health insurance, credit insurance and pension products. 

Financial Strength Ratings

American National Insurance Company (“American National”) has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies. The ratings are current as of October 20, 2016.

A.M. Best1 A
Standard & Poor’s A

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations.
Ratings may be changed, suspended, or withdrawn at any time. For the most current ratings view the full rating reports on American National’s Internet site at

1 A.M. Best’s active company rating scale is: A++ (Superior), A+ (Superior), A (Excellent), A-
(Excellent), B++ (Good), B+ (Good), B (Fair), B- (Fair), C++ (Marginal), C+ (Marginal), C (Weak), C- (Weak) and D (Poor).
Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.

For more information, including company news and investor relations information, visit the company’s web site at

Contact our Field Support Center at 888-501-4043

*The riders are offered at no additional premium. However, the accelerated payment will be less than the requested death benefit because it will be reduced by an actuarial discount and an administrative fee of up to $500. The amount of the reduction is primarily dependent on American National’s determination of the insured’s life expectancy at the time of election.

Form Series: PWL16; ABR14-TM; ABR14-CH; ABR14-CT; GIR16; PUAR16 (Forms may vary State)


CONTACT: Contact: Independent Marketing Field Support Center PH: 888.501.4043
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