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Life Insurance Products
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 Youll 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 childrens
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.
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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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Copyright 2008, All rights reserved.
PitchfordInsurance.com.
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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 CoverageSM
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 ANPACSM
Your peace of mind is our goal with Safe Harbor
Program from ANPACSM. We offer
protection for your boat, motor, boat trailer, plus portable and
permanent watercraft equipment. *See disclaimer below
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