Orlean residents
have received
thru February 2004


...and still counting!

Life Insurance
Why Do I Need It?

There are two basic and necessary reasons to buy life insurance. You owe someone or You love someone.

You owe someone You love someone

Last expenses
(Funeral and probate costs)

Current debts
(Auto loans, credit cards, etc.)

Mortgage or rent
(Tto pay off house note or ensure coverage of rent payments)

College education

Income continuation


Tax Notes:
Proceeds from an insurance policy paid because of the death of the insured are generally excludable from the beneficiary's gross income for tax purposes. (IRC Sec. 101(a)(1).) Income and growth on accumulated cash values have been held by the Tax Court to be generally taxable only upon withdrawal. (IRC Sec. 72.) Consult your tax adivsor or attorney on your specific situation.










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

Products and services not available in all states