Website Content

These Terms and Conditions constitute an agreement between American National and users of the American National website. The words “American National,” “Company,” “we,” “us,” and “our” refer to American National Insurance Company and its affiliates. The words “user,” “you,” and “your” refer to each person using the American National website.

Please read these Terms and Conditions and our Privacy Policies carefully before accessing or using the website. By accessing or using the website, you agree to be bound by the Terms and Conditions and our Privacy Policies. If you do not want to be bound by the Terms and Conditions and our Privacy Policies, do not access or use the website.

American National may revise the Terms and Conditions and our Privacy Policies at any time without notice. Accordingly, you agree to review the Terms of Conditions and our Privacy Policies periodically, and your continued access to or use of the website shall be deemed your acceptance of any changes to the Terms and Conditions and our Privacy Policies.

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 also reserves the right to terminate your access to or use of the website at any time without notice and without liability to you. American National reserves all other rights.

Product Availability

Not all products and services are available in all states, and all products are subject to applicable regulation. 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 in any jurisdiction in which we are not properly licensed. Anyone interested in a particular product should consider contacting an American National agent to ascertain whether the product and/or service is available in their jurisdiction and to request more information about the product and/or service. Please note that in many instances products and services may be offered only through employers or other plan sponsors. There are some instances where certain annuity products may be purchased directly from the Company through a 100% online process.

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. 

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 and Security

American National cannot guarantee the privacy or security of information exchanged over the internet. You understand and agree that your use of or connection to the internet provides an opportunity for unauthorized access by a third party to your computer systems, mobile devices, networks, and any and all information stored there.

We use a secure server implementing Transport Layer Security (TLS) protocol to help safeguard information you submit through the website. This technology encrypts information to help protect it from unauthorized access by third parties while in transit.

To help protect the privacy and security of your personal information, please do not communicate personal information such as full social security numbers or policy numbers to us through chatbots, virtual assistants or through unsecured email or text message channels.

Personal information transmitted to us will be treated in accordance with our Privacy Policies. 

When you connect with this website, American National places small text files, called "cookies," on your hard drive, as a means of 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, mailing address and/or telephone number. It will not include your password or credit card number. If you do not wish to receive 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. For example, we use “Google Analytics” to collect information about the use of our website. For more information about how Google uses the information, please visit  https://policies.google.com/technologies/partner-sites [policies.google.com]. 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  https://tools.google.com/dlpage/gaoptout [tools.google.com].

Within our 100% online process for purchasing certain annuity products directly from the Company, we use “LogRocket” to collect certain anonymous, non-personally identifiable information, including links clicked, scrolling, mouse movements, and redacted session recordings, for the purpose of gaining meaningful insight into how users are interacting with the website and addressing pain points. By using this 100% online process, you consent to the collection and use of such information. If you do not consent to the collection and use of such information, do not proceed with using the 100% online process. Instead contact us by phone at 866-612-6981, and we will connect you with an insurance professional. 

If you have any questions about the collection and use of your information or for more information on our Privacy Policies, please contact PrivacyCompliance@AmericanNational.com.

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 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 website.

Governing Law/Severability

This Agreement shall be governed by and construed in accordance with the laws of the state of Texas, without regard to its conflict of laws provisions. Any dispute concerning this website shall be subject to venue of a court of competent jurisdiction in Galveston County. If any provision of the Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

No Waiver

The failure of American National to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

Captions

The captions of sections of the Terms and Conditions are for convenience only and shall not control or affect the meaning or construction of any of the provisions.

Notices

Except as otherwise provided in this Agreement, any notice that you send to us must be mailed to American National at One Moody Plaza, Galveston, Texas 77550. Such notice is effective when it is actually received by us, and we have had a reasonable opportunity to act, not to be less than five (5) business days.

Forward-Looking Statements

This website may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, the Securities Act of 1933 or the Securities Exchange Act of 1934, each as amended. Forward-looking statements give expectations or forecasts of future events and do not relate strictly to historical or current facts. They may relate to markets for our products, trends in our operations or financial results, strategic alternatives, future operations, strategies, plans, partnerships, investments, share buybacks and other financial developments. They use words and terms such as anticipate, assume, believe, can, continue, could, enable, estimate, expect, foreseeable, goal, improve, intend, likely, may, model, objective, opportunity, outlook, plan, potential, project, remain, risk seek, should, strategy, target, will, would, and other words and terms of similar meaning or that are otherwise tied to future periods or future performance, in each case in all forms of speech and derivative forms, or similar words, as well as any projections of future events or results. Forward-looking statements, by their nature, are subject to a variety of assumptions, risks, and uncertainties that could cause actual results to differ materially from the results projected. Many of these risks and uncertainties cannot be controlled by us.

Factors that may cause our actual decisions or results to differ materially from those contemplated by these forward-looking statements include, among other things: (1) results differing from assumptions, estimates, and models; (2) interest rate condition changes; (3) investments losses or failures to grow as quickly as expected due to market, credit, liquidity, concentration, default, and other risks; (4) option costs increases; (5) counterparty credit risks; (6) third parties service-provider failures to perform or to comply with legal or regulatory requirements; (7) poor attraction and retention of customers or distributors due to competitors’ greater resources, broader array of products, and higher ratings; (8) information technology and communication systems failures or security breaches; (9) credit or financial strength downgrades; (10) inability to raise additional capital to support our business and sustain our growth on favorable terms; (11) U.S. and global capital market and economic deterioration due to major public health issues, including political or social developments, or otherwise; (12) failure to authorize and pay dividends on our preferred stock; (13) subsidiaries’ inability to pay dividends or make other payments to us; (14) failure at reinsurance, investment management, or third-party capital arrangements; (15) failure to prevent excessive risk-taking; (16) failure of policies and procedures to protect from operational risks; (17) increased litigation, regulatory examinations, and tax audits; (18) changes to laws, regulations, accounting, and benchmarking standards; (19) takeover or combination delays or deterrence by laws, corporate governance documents, or change-in-control agreements; (20) effects of climate change, or responses to it; and (21) failure of efforts to meet environmental, social, and governance standards and to enhance sustainability.