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Iowa
residents
have received
CA$HBACK checks
exceeding
$6,214,587.50
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Protect
your most important asset.... YOUR IDENTITY!
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Term Life Insurance
Timely
Death Benefit
American
National's term life insurance products offer a competitive
array of level death benefit coverages, with various permium
payment alternatives.
These
plans can provide the solutions to many of the financial
problems that would be caused by premature death. They
provide large amounts of coverage for various specific
periods of time.
As
term insurance, they are designed to meet protection needs
that are temporary. As life insurance, they provide the
special benefits described in the following paragraphs:
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Tax-free
benefit. No other product will provide such a large,
instant cash windfall, income-tax free, at the very
time it is needed most. (IRC Sec. 101 life insurance
proceeds are generally held to be tax-free).
-
Benefit
is paid immediately. Your beneficiary will receive
the policy proceeds without the inconveniences of the
probate process.
-
Financial
privacy. Life insurance is not a matter of public
record. Your beneficiary will receive the death benefit
discreetly upon your death.
-
Premium
payments. After an initial specified period, the
life insurance benefits provided by these plans may
be kept in force by the payment of increasing premiums
through age 95, for some products. No additional evidence of insurability
will be required after your policy is issued.
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Convertibility.
An attractive alternative to the increasing cost of
term coverage is the ability to convert that coverage
to permanent life insurance. These term products contain
a conversion option which you may exercise during the
policy's early years, depending on your age and the
term policy you choose. Check your policy for conversion
details. This conversion privilege allows you to convert
to a permanent policy without furnishing additional
evidence of insurability. American National offers a
wide array of competitive permanent insurance plans
with level premiums and tax-favored cash accumulation
potential.
-
Preferred
ratings available. If you're applying for at least
$100,000 of coverage, you may qualify for one of the
company's "preferred" underwriting ratings,
thereby reducing your premium.
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All
products, coverages, and options are not available in all
states, and eligibility requirements will apply. Products
and services referenced in this Web site are provided through
multiple companies. Each company has financial responsibility
only for its own products and services, and is not responsible
for the products and services provided by the other companies.
Life
insurance and annuities are issued through American National
Insurance Company, Galveston, TX. Personal and commercial
lines insurance is issued by American National Property And
Casualty Company (ANPAC®), Springfield, MO, its subsidiaries
or affiliates, including American National General Insurance
Company, Pacific Property And Casualty Company (California),
American National Lloyds Insurance Company (Texas), American
National County Mutual Insurance Company (serviced by ANPAC®-Texas),
and ANPAC® Louisiana Insurance Company (Louisiana). American
National Property And Casualty Company is a subsidiary of
American National Insurance Company.
Disability
Income products and services are issued by Illinois Mutual
Life Insurance Company, Peoria, Illinois or Principal Life
Insurance Company, Des Moines, IA.
Tax
issues that may be discussed are subject to change, and this
is for your information only. Discussion of such issues does
not constitute tax or legal advice. Please consult your tax
advisor, attorney or CPA for guidance on all tax matters.
These
brief descriptions of coverages available are for illustration
purposes only, and are not intended as a statement of contract.
For actual terms and conditions of coverage provided, refer
to your insurance policy. For more information about coverage
options and availability, talk to your American National agent.
American National Family of Companies reserves the right to
discontinue programs at any time.
This
site may have links to other sites not maintained by American
National Insurance Company, its 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.
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Osby Insurance operates exclusively in the State of Iowa
Copyright © 2010 Osby Insurance and Some Assembly Required.
All
rights reserved.
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Greg
Osby, CLU, ChFC
8515 Douglas Ave. Suite 22
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:
Des Moines, Urbandale, Clive, Windsor Heights, West
Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston,
Iowa

With
ANPAC Five Star Claim Service you can be
sure that your premium dollars will buy the protection
you need and the prompt, courteous service that you
deserve.
Choose
American National for your auto, home, and life insurance
needs, and receive up to a 15% TLC Discount on qualifying
auto and home premiums.

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