Orlean residents
have received
CA$HBACK checks
thru May 2003
totaling

$1,009,247.46

...and still counting!

American National Insurance Company
 
About American National Insurance Company

 

Chartered in 1905, American National Insurance Company has evolved into an industry leader, ranking among the largest of the more than 1800 life insurance companies in the United States.

Today, the company provides personalized service to more than 3.0 million policyholders throughout 49 states, the District of Columbia, Guam, American Samoa, Puerto Rico and Western Europe.

Directly and through its subsidiaries and business relationships, American National offers a broad line of insurance coverages, including individual and group life, health, individual disability*, personal lines property and casualty and credit insurance.

To learn more about American National Insurance Company and the products we offer, please visit the Home Office web site at www.anico.com.

American National Insurance Company's home office is in Galveston, colorado.

*Underwritten by Illinois Mutual Life Insurance Company.
The test of strength

 

A significant test of any company's strength is its ratio of assets to liabilities.

According to A.M. Best's list of the top 50 companies rated A+ (Superior) or better, American National ranks high among these, with $125.04 of assets for every $100.00 of liabilities as of 12/31/02.

This wide margin can be a safety factor when choosing an insurance ocmpany. It also indicates financial soundness and the ability to meet all obligations as they come due.

 
Ratings

 

These ratings are provided to you so that you may make a comparison of American National Insurance Company to other companies. They are not provided as a recommendation by the ratings companies to purchase this coverage.

Best�s Rating: (A+ Superior)

A. M. Best Company, independent analyst of the insurance industry since 1899, has awarded American National Insurance Company its rating of A+ (Superior), the second out of 16 ratings. Best�s ratings are assigned after an extensive analysis using a series of profitability, leverage and liquidity tests which measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments and capital sufficiency.

Best�s Ratings reflect the publisher�s opinion as to the relative financial strength and performance of each insurer in comparison with others, based on Best�s analysis of the information provided to them. These ratings are not a warranty of the insurer�s current or future ability to meet its contractual obligations.

The A.M. Best Company scale of financial strength and ability to meet obligations to policyholders is: A++ and A+ (Superior) A and A- (Excellent) B++ and B+ (Very Good) B and B- (Adequate) C++ and C+ (Fair) C and C- (Marginal) D (Very Vulnerable) E (Under State Supervision) and F (In Liquidation), S (Rating Suspended).

To learn more about A.M. Best's Ratings, visit their web site at www.ambest.com.

Standard and Poor�s Rating: AA

Standard & Poor�s assigns its AA rating, the second out of 8 ratings, of insurer financial strength to American National Insurance Company (American National). The rating of American National Insurance Company reflects the company�s superior capitalization strength, solid earnings performance, excellent market position, above-average investment performance and strong liquidity. American National�s capitalization is among the strongest in the industry, which is expected to be maintained over the long term. Moreover, American National has a low cost structure and its policy persistency and agent retention rates have been very favorable. The company�s ability to attain critical mass to have the necessary economy of scale and strong sales network for product distribution are its major competitive advantages. Investment performance is also above average. While exposure to equities is higher than the industry average, it is mitigated by the company�s superior capitalization.

Ratings reflect the publisher�s opinion as to the relative financial strength and performance of each insurer in comparison with other insurers, based on their analysis of the information provided to them. These ratings are not a warranty of the insurer�s current or future ability to meet its contractual obligations.

The Standard and Poor's Scale of insurer financial strength is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak).

To learn more about Standard and Poor's Ratings, visit their web site at www.standardandpoors.com

 



American National Insurance Company, Galveston, TX
American National Property and Casualty Companies, Springfield, MO

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