Terry Pitchford Insurance Insurance in Austin Texas Area - Life Insurance, Permanent Life Insurance, Term Life Insurance, Universal Life Insurance


	Life Insurance Products Permanent Life Term Life Deferred Annuities Immediate Annuities Things to consider...... Why Do I Need It? What Kind of Life Insurance? Life Insurance - A Vital Tool Benefit Riders How much Life Insurance is right for you? How much coverage should you own personally, not counting group term coverage? With so many people frequently changing jobs these days, many are learning that owning and controlling their own life insurance policy has many important advantages. In addition they are often surprised to learn that they have been significantly underinsured. Traditionally, individuals tend to buy life insurance in round numbers — such as $100,000, $250,000 or $500,000 — or using the general rule of purchasing 8-10 times their household income. Few actually try to determine the correct amount to purchase. While doing so is a relatively simple process, it can be uncomfortable for some because it involves thinking about death. Given the importance of this issue to survivors, the best solution is to move beyond that discomfort and plan accordingly. Determining What You’ll Need Consider family needs within the first few months of your death. Funeral expenses, administrative costs and other immediate expenses can be shocking. In addition, clearing up unpaid bills or revolving debt like credit cards or consumer loans is often necessary. Determine how much will be required to pay off any remaining mortgage balance on your primary residence. Providing an education fund for your children is also critical. There are many schools of thought regarding this, but you must consider how much money you would like to see allocated for your children’s education in case of your death. The final issue is often the largest — income replacement. While it is a personal choice, you must consider whether the beneficiary will live off the principal paid by the policy or the income it generates through investments. It is also important to consider the length of time this money will cover. Most families decide that this should last at least until your children are out of college.

	Representing American National Insurance Company, Galveston, TX American National Property and Casualty Company, (ANPAC^®) Springfield, MO All products, coverages, and options are not available in all states, and eligibility requirements will apply. 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. Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. * Personal and commercial lines insurance is issued by American National Property And Casualty Company (ANPAC®), 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. Life insurance and annuity products are issued by American National Insurance Company, Galveston, Texas. Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois (Texas Residents). 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 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 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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Farm and Ranch
By and large, farming is a family endeavor, rich in tradition. But the way you operate your business can change considerably from one generation to the next. Special Farm Package 10^® (SFP 10^®) combines personal, farm, business, and property and liability coverage all under one policy, to simplify your insurance protection. *See disclaimer below

Equine
If you own, board, breed, train, race or sell horses, ANPAC^® provides a full range of coverages, including policies tailored to the specific needs of horse enthusiasts. *See disclaimer below

CHROME^®
You've finally found it! The perfect car.... the specialty car you've dreamed of for so many years. And now at last, here's the perfect way to insure your dream car. *See disclaimer below

TLC - Tri-Line Coverage^SM Discount
Choose American National for your auto, home, and life insurance needs, and you can receive up to 25% on home and 20% on auto premiums for those that are qualified. *See disclaimer below

ANPAC^® Motorcycle
If you're among the thousands of responsible adults who tour America's highways and byways on two wheels instead of four, you need the protection afforded by ANPAC's^® Motorcycle Endorsement. *See disclaimer below

Safe Harbor Program from ANPAC^SMYour peace of mind is our goal with Safe Harbor Program from ANPAC^SM. We offer protection for your boat, motor, boat trailer, plus portable and permanent watercraft equipment. *See disclaimer below