American National Insurance Company Introduces a New Uncapped Strategy With the Signature Indexed Universal Life Policy

GALVESTON, Texas, Jan. 04, 2016 (GLOBE NEWSWIRE) -- American National Insurance Company (American National) is pleased to introduce a new indexed strategy for new Signature Indexed Universal Life (IUL) policies. These life insurance policies provide a combination of death benefit and accumulation value to provide protection and growth potential.

American National announces a new Uncapped Strategy with Interest Rate Spread on its Signature IUL policy, available [January 1, 2016]. This innovative life product provides death benefit protection and four indexed crediting strategies along with a fixed account for clients to choose from.

Signature IUL can provide the opportunity to earn interest based upon the performance of the S&P 500® Index without the client being directly invested in the Index. Therefore, the accumulation value will never decrease based on the fluctuations of the S&P 500® Index as all four of the indexed interest crediting strategies have a built-in floor.* The S&P 500® Index is widely regarded as a standard for measuring equity performance.

Signature IUL’s new Point-to-Point Uncapped Strategy with Interest Rate Spread compares the value of the S&P 500® Index at the beginning of the one-year segment term to the value at the end of the one-year segment term and measures the percentage of increase or decrease. With this strategy, an interest rate spread is deducted from the interest earnings in exchange for the benefit of not having a cap on potential interest. This is a strategy that may work well in a rapidly increasing market.

David A. Behrens, Executive Vice President of American National said, “American National’s new Uncapped Strategy with Interest Rate Spread available in the Signature IUL provides our customers the choices and flexibility they desire along with the potential to build value rapidly in a rapidly increasing market. Signature IUL allows a client to have control over the placement of their premium in the four indexed crediting strategies and fixed account while protecting their family’s future with life insurance.”

About the Company

American National Insurance Company (American National), headquartered in Galveston, Texas, was founded in 1905 and is licensed to conduct the business of insurance in all states except New York. American National offers a broad line of products and services, which include life insurance, annuities, health insurance, credit insurance and pension products.

Financial Strength Ratings

American National Insurance Company (“American National”) has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies. The ratings are current as of September 2015.

A.M. Best1 A
Standard & Poor’s2 A

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer's current or future ability to meet its contractual obligations.

Ratings may be changed, suspended, or withdrawn at any time. For the most current ratings view the full rating reports on American National’s website at

1 A.M. Best’s active company rating scale is: A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), B++ (Good), B+ (Good), B (Fair), B- (Fair), C++ (Marginal), C+ (Marginal), C (Weak), C- (Weak) and D (Poor).
2Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.

For more information, including company news and investor relations information, visit American National’s website at

Contact our Field Support Center at 888-501-4043

The Signature Indexed Universal Life Insurance policy is not a registered security or stock market investment and does not directly participate in any stock or equity investment or index. When an individual purchases the policy, the individual is not buying an ownership interest in any stock or index.

American National Insurance Company and its agents do not make any recommendations regarding the selection of indexed strategies. American National Insurance Company and its agents do not guarantee the performance of any indexed strategies. There is not one particular interest crediting strategy that will deliver the most interest under all economic conditions.

* The accumulation value may decrease due to the monthly deduction regardless of the interest rate credited for any particular strategy.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by American National Insurance Company. S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by American National Insurance Company. American National Insurance Company's products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

Form Series: IUL14; ULNC14 (Forms may vary State)


Contact: Angie Hitchman PH: 888.501.4043

Source:American National Insurance Company