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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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What Kind of Life Insurance
There
are two basic types of life insurance: term and permanent.
Each should be considered carefully to determine which best
fits your individual needs.
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Advantages
of Term
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Advantages
of Permanent
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Lower
cost protection in early years
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Customized
for coverage to last for a specific number
of years
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The
option to exchange the policy for permanent
coverage without having to show evidence of
good health
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Lower
cost in later years
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Permanent
protection
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Level
premiums
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Accumulation
of cash for emergencies, college education, retirement
supplement
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Tax-deferred
wealth accumulation
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Tax-free
income distribution*
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Flexibility
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Coverage
without paying premiums by using various options
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Disadvantages
of Term
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Disadvantages
of Permanent
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Higher
cost protection in later years
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Increasing
premiums
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No
equity or cash value savings
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Failure
to pay premiums ends coverage
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Higher
initial cost
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Future
dividends and current interest rates not guaranteed
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*
Tax Notes:Proceeds from an insurance policy paid because of
the death of the insured are generally excludable from the
beneficiary's gross income for tax purposes. (IRC Sec. 101(a)(1).)
Income and growth on accumulated cash values have been held
by the Tax Court to be generally taxable only upon withdrawal.
(IRC Sec. 72.). Consult your tax adivsor or attorney on your
specific situation.
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American National
Insurance Company, Galveston, TX
American National Property and Casualty Companies, Springfield,
MO
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These
brief descriptions of coverages available are for illustrative
purposes only, and are not intended as a statement of contract.
For actual terms and conditions of coverage provided, refer
to your insurance policy, or, for more information about coverage
options and availability, talk to your American National agent.
All products, coverages, and options are not available in
all states, and eligibility guidelines apply. American National
Family of Companies reserves the right to discontinue programs
at any time.
This
site may have links to other sites, which are not maintained
by American National Insurance Company, it's 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 © 2007 Osby Insurance and Some Assembly Required.
All
rights reserved.
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Greg
Osby, CLU
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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