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.
GUARANTEED VALUES
- 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:
- Cash
- 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.
ADDITIONAL RIDERS
- 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.