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Terms and Conditions

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Please read these Terms of Use carefully before accessing or using this website. By accessing the website, you agree to be bound by the terms and conditions contained herein. If you do not want to be bound by these terms and conditions, you should not access or use the website. American National Insurance Company (referred to herein as "American National ","we","our", and "us") may at any time revise these terms and conditions without notice. Accordingly, you agree to review these Terms of Use periodically, and your continued access or use of this site shall be deemed your acceptance of any modified Terms of Use.  American National reserves the right at any and all times and in its sole discretion to change the contents of this website and the products and services referenced hereon. American National reserves all other rights.

Product Availability

The product and/or service descriptions, if any, provided on the American National website are not intended to constitute an offer to sell or a solicitation to buy any product or service. Not all products and services are available in all states, and all products are subject to applicable regulation. Anyone interested in a particular product should contact the pertinent American National business unit to ascertain whether the product and/or service is available in their jurisdiction and to request a copy of the applicable policy for a complete description of the product and/or service. Please note that in many instances products and services may be offered only through employers or other plan sponsors. American National is the parent company of the American National family of companies. Through the family of companies, American National offers life insurance products, annuities, property and casualty insurance, and other financial products and services. The American National family of companies conducts business in all 50 states, the District of Columbia, Puerto Rico, and certain U.S. territories. Unless otherwise indicated, products and services are available in the United States only, and not all products or services are available in all states. Only American National Life Insurance Company of New York and the Farm Family companies are authorized to do business in the state of New York.

Links to Other Websites

Links to third party websites are offered as a matter of convenience and in no way are meant to imply that American National endorses, controls, approves, sponsors, promotes or is affiliated with the owners of, or participants in, those sites or any material contained therein. American National is under no obligation to maintain any link on this website, and may remove any such link at any time in its sole discretion for any reason whatsoever. The American National stock pricing information contained on the third party website linked to this website, is updated periodically from a source other than American National. American National does not assume any responsibility for the accuracy of such pricing information or any other materials included on such third party website.

Ownership of Materials and Restrictions on Use

While American National provides the information on this website to anyone, American National retains copyright on all text and graphic images. No permission is granted to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services found on this website.

Privacy

American National cannot guarantee the confidentiality of information exchanged over the Internet. Please note that personal information, such as your Social Security number, telephone number, address or information contained in your message may be accessible to other users of the Internet. To protect your privacy, please do not use e-mail to communicate information you want kept confidential. Personal information transmitted to us will be treated in accordance with our Privacy Policies

When you connect with this website, American National places a small text file, called a "cookie," on your hard drive, as a means identifying you to our computers in the future. Cookies are a standard type of data file used by website administrators to facilitate your ongoing access to and use of a particular website. Depending on the information you have previously provided to us, a cookie from American National might contain your name, email address, postal address and/or telephone number. It will not include your password or credit card number, however. If you do not wish to receive this or other cookies when you are online, or wish to condition your receipt of such files, there is a simple procedure in most browser software that will allow you to block or condition their receipt. Cookies may be necessary, however, to provide you with certain features, such as merchandise transactions or registered services.


American National also allows third party companies to use cookies to collect certain anonymous, non-personally identifiable information when you visit our website.  We use “Google Analytics” to collect information about use of our website.  For more information about how Google uses the information, please visit www.google.com/policies/privacy/partners/.  If you do not wish for “Google Analytics” to receive information concerning your visit to our website, you may opt out of the service by using the Google Analytics Opt-out Brower Add-on, which may be found at http://tools.google.com/dlpage/gaoptout

 

Limitation of Liability

American National maintains this website as a service to the Internet community. The information on this website is subject to change without notice, and American National assumes no commitment to update any information on this website. You use the website at your own risk. ALL INFORMATION AND CONTENT AVAILABLE ON, OR ACCESSIBLE FROM, THE AMERICAN NATIONAL WEBSITE ARE PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL AMERICAN NATIONAL BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND WHICH MAY ARISE OUT OF ANY PERSON’S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. American National makes no representations or warranties about the accuracy or completeness of the information contained on this website. American National does not guarantee or warrant that functions will be uninterrupted or error-free, that any information, software or other material available on or accessible through the website are free of viruses, worms, Trojan Horses, or other code that has contaminating or destructive properties. If your use of this website or the materials therein results in the need for servicing or replacing property, equipment, or data, American National is not responsible for those costs. American National assumes no responsibility for any consequence relating directly or indirectly to any action or inaction that you or anyone else takes based on the information, services, or other material from this site.

Forward-Looking Statements

Forward-looking statements contained on this website are made pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, and include estimates and assumptions related to economic, competitive and legislative developments. Forward-looking statements may be identified by words such as "expects", "intends", "anticipates", "plans", "believes", "estimates", "will" or words of similar meaning, and include, but are not limited to, statements regarding the outlook of our business and financial performance. These forward-looking statements are subject to change and uncertainty which are, in many instances, beyond our control, and have been made based upon our expectations and beliefs concerning future developments and their potential effect upon us. There can be no assurance that future developments will be in accordance with our expectations, or that the effect of future developments on us will be anticipated. These forward-looking statements are not a guarantee of future performance, and involve risks and uncertainties. There are certain important factors that could cause actual results to differ, possibly materially, from expectations or estimates reflected in such forward-looking statements. These factors include among others: (1) international economic and financial crisis, including the performance and fluctuations of fixed income, equity, real estate, credit capital and other financial markets; (2) interest rate fluctuations; (3) estimates of our reserves for future policy benefits and claims; (4) differences between actual experience regarding mortality, morbidity, persistency, surrender experience, interest rates or market returns, and the assumptions we use in pricing our products, establishing liabilities and reserves or for other purposes; (5) changes in our assumptions related to deferred policy acquisition costs, valuation of business acquired or goodwill; (6) changes in our claims-paying or credit ratings; (7) investment losses and defaults; (8) competition in our product lines and for personnel; (9) changes in tax law; (10) regulatory or legislative changes; (11) adverse determinations in litigation or regulatory matters and our exposure to contingent liabilities, including in connection with our divestiture or winding down of businesses; (12) domestic or international military actions, natural or man-made disasters, including terrorist activities or pandemic disease, or other events resulting in catastrophic loss of life; (13) ineffectiveness of risk management policies and procedures in identifying, monitoring and managing risks; (14) effects of acquisitions, divestitures and restructurings, including possible difficulties in integrating and realizing the projected results of acquisitions; (15) changes in statutory or U.S. Generally Accepted Accounting Principles ("GAAP") practices or policies; and (16) changes in assumptions for retirement expense. It has never been a matter of corporate policy for us to make specific projections relating to future earnings, and we do not endorse any projections regarding future performance made by others. Additionally, we do not publicly update or revise forward-looking statements based on the outcome of various foreseeable or unforeseeable events.

 

American National Insurance Company (ANICO), headquartered in Galveston, Texas is licensed to conduct business in all states except New York. Business is conducted in New York by American National Life Insurance Company of New York, (Glenmont, N.Y.), a subsidiary of ANICO. All securities products involve investment risk, are subject to market fluctuations and the possible loss of principal. Variable products are distributed through ANICO Financial Services, Inc. (ANFS) located at One Moody Plaza, Galveston, Texas 77550. ANFS is a wholly owned subsidiary of American National Insurance Company. Variable products are offered by prospectus only. Copyright ©2010 American National Insurance Company, Galveston, Texas. All rights reserved. Products and services referenced in this website 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. Not all products and services are available in all states.

American National Insurance Company, headquartered in Galveston, Texas was founded in 1905 and is licensed to conduct the business of insurance in all states except New York.  In New York, business is conducted by New York licensed subsidiaries.  American National is a group of companies writing a broad array of insurance products and services.  Products and services may not be available in all states.  Terms, conditions and eligibility requirements will apply.
 
Life insurance and annuity products may be issued through American National Insurance Company, Galveston, Texas; Farm Family Life Insurance Company, Glenmont, New York; or American National Life Insurance Company of New York, Glenmont, New York.  Property and casualty products and services may be issued by American National Property And Casualty Company, American National General Insurance Company, Springfield, Pacific Property And Casualty Company (California - 08127); ANPAC Louisiana Insurance Company (Louisiana); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas), all located in Springfield, Missouri; Farm Family Casualty Insurance Company or United Farm Family Insurance Company, both located in Glenmont, New York.  Not all companies are licensed in all states. Each company has financial responsibility only for the products and services it issues.​

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