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Notices and Disclosures

Financial Strength Ratings

American National Insurance Company (“American National”) has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies.

A.M. Best1 — A
Standard and 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Ratings may be changed, suspended, or withdrawn at any time.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 Internet site at www.anico.com.

1A.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). Ratings current as of June 2014. 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. Ratings current as of May 2014.

Living Benefits/Riders Disclosures

For ICC States:
Living Benefit refers to the Accelerated Benefit Rider. The Accelerated Benefit Rider is offered for no additional premium. The Accelerated Benefit will be less than the death benefit because it is reduced by an amount calculated by American National based on an evaluation of the insured’s health at the time the benefit is exercised as well as an administrative fee of up to $500 assessed when the benefit is elected. Payment of the Accelerated Benefit will result in the termination of your base policy, for which the Accelerated Benefit is paid.

New York Residents:
The Accelerated Benefit Rider is offered for no additional premium. An administrative fee of up to $300 will be assessed when the benefit is elected. The maximum initial benefit is 50% of the death benefit and the maximum total benefit is 80% of the death benefit. Any portion of the death benefit that is accelerated will be held as a lien with interest against the policy. Rider Form Number ADB11(NY).

For ICC States: Signature Term
Living Benefits refer to Accelerated Benefit Riders for Critical, Chronic, and Terminal Illness. All riders may not be available in all states. The benefit is subject to an administrative fee of up to $500 and an actuarial discount that will be assessed when the benefit is elected.

California Residents:
This is a life insurance benefit that also gives you the option to accelerate some or all of the death benefit in the event that you meet the criteria for a qualifying illness described in the policy. This policy or certificate does not provide long-term care insurance subject to California long-term care insurance law. This policy or certificate is not a California Partnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement policy.

American National Insurance Company does not give legal or tax advice. The accelerated benefit for chronic illness is intended for favorable tax treatment under the Internal Revenue Code. However, there are various factors that must be considered to determine if the benefit will receive favorable tax treatment. The accelerated benefit for Critical Illness is not intended for favorable tax treatment. You should consult a tax advisor regarding the tax status of any benefit that may be paid to you under this rider.

In certain circumstances you may be eligible to receive a portion of the policy’s death benefit. The accelerated benefit will be an amount paid to you that will be less than the death benefit because it is reduced by an amount calculated by American National based on an evaluation of the insured’s health at the time the benefit is exercised as well as an administrative fee of up to $500 assessed when the benefit is elected. You will be able to use the payment for any purpose.

Accelerated benefit riders (“ABR”) and long-term care insurance (“LTCI”) provide different types of benefits. An ABR allows the insured to access a portion of the life insurance policy’s death benefit while living and may be used for any purpose.

LTCI provides reimbursement for necessary care received due to a prolonged illness or disability. Coverage may include reimbursement for the cost of a nursing home, assisted living, home health care, homemaker services, adult day care, hospice services or respite care for the primary caretaker. The benefits may be conditioned on certain requirements or meeting an elimination period or limited by type of service, the number of days or a maximum dollar limit. Benefits under some ABRs and all LTCI are conditioned upon the insured not being able to perform two or more of the activities of daily living or being cognitively impaired.

Exchange of Information Notice

We are required to provide the following disclosures to you:
MIB, Inc. (MIB) Pre-Notification Information regarding your insurability will be treated as confidential. American National Insurance Company or its reinsurers may, however, make a brief report thereon to MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its Members. If you apply to another MIB Member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company with the information about you in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at 866-692-6901 (TTY 866-346-3642). If you question the accuracy of the information in MIB’s file, you may contact MIB and seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act. The address of MIB’s information office is 50 Braintree Hill Park, Suite 400, Braintree, Massachusetts 02184-8734.
American National Insurance Company, or its reinsurers, may also release information in its file to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.

Important Note: Vermont: HIV information will be released to the MIB only using a non-specific test result code.

Fair Credit Reporting Act Pre-Notification

We may obtain an investigative consumer report in connection with your application. This report may contain information about your character, general reputation, personal characteristics or mode of living gathered from personal interviews with persons who may be acquainted with you. The information is kept confidential. You have the right to additional information about the nature and scope of the investigation provided you submit your request in writing within a reasonable period of time. We will inform you whether an investigative consumer report was requested and provide you with contact information for the agency preparing the report. By contacting the agency and providing proper identification, you may inspect or receive a copy of such report. A summary of your rights may be found on the Internet at www.ftc.gov/credit.

USA PATRIOT Act Notice

The USA PATRIOT Act requires that we establish an Anti-Money Laundering (“AML”) Program, notify customers that we must verify the identity of the owner(s) of our contracts that have cash value, and collect information sufficient to verify identity. Failure to provide us identification information may result in the delay of issuance of coverage and may result in a decision not to accept your business.

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