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Life insurance and annuities - The Galveston County Daily News : Business Review

August 30, 2014

Life insurance and annuities

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Posted: Tuesday, February 4, 2014 12:00 am

You have homeowner’s insurance to protect your home and auto coverage to protect your car. That’s wise planning, because you don’t want to leave valuable assets unprotected against life’s uncertainties.

But don’t forget to protect the most valuable asset your family has: the income that the family breadwinner brings home every week. Without life insurance coverage, an untimely death could derail your family’s plans and dreams for the future.

American National Insurance Company, whose home office is located in Galveston, Texas, has a variety of life insurance products that can be the cornerstone of your plan to better protect your family against life’s uncertainties.

American National Insurance Company is among the financially strongest life insurance companies in the United States. The company has been serving the protection needs of families across the country for more than 100 years.

I have some life insurance at work, so I am pretty sure my family is covered there.

You may have enough life coverage, but it makes sense to examine your insurance coverage needs in detail to make sure your family is properly covered.

Having adequate life insurance can be extremely important to your family’s long-term security. Life insurance can address two of the biggest risks an individual can face: dying too soon, or living longer than anticipated.

If you have a specific, temporary need, such as paying off a mortgage or other loan, term life insurance could be the right solution. Term insurance lasts for a pre-determined period of time. If the insured is still alive at the end of the term, the coverage ends and no death benefit is paid. 

Many families find permanent life insurance to be an appropriate choice in their planning for the future. A properly structured permanent life insurance policy can last the insured’s lifetime, and has the potential to provide income for surviving family members, supplemental retirement income, or cash reserves for emergencies. Policy loans are often taken for retirement income or emergencies. Loans can result in a lower cash value and death benefit.

My children are grown, and I am more concerned about my income during retirement.

No doubt, you worked hard to get where you are. You want to protect your hard-earned assets, and have a retirement as comfortable and worry-free as possible. We can show you how to help assure you and your spouse have an income stream that will last as long as you both live. 

You can protect your family’s income with an annuity, which is a type of insurance contract that promises payments to an annuitant over a specified period of time, or for life. 

As with life insurance, American National has a wide variety of annuity choices to serve your family’s needs. 

Taking the first step

From home to auto, to life and annuity, to a wide variety of specialty coverages, the American National family of companies has the products and knowledge to make sure your family’s risks are properly protected.

Whatever stage of life your family is currently in, we can uncover and solve your needs for insurance protection.

Your first step to enjoying that kind of protection is contacting an American National Multiple Line agent today! The Jack Brown Insurance Agency is ready to give you a FREE, no obligation calculation of your survivor income needs. You’ll discover how much income your current life insurance and other resources will provide your family. Give us a call 281-334-2886 or email jackbrownagency@american-national.com.