Guaranteed Memories®

Form AIP002

Creating fond memories is a wonderful and lasting gift.

Form AIP002

Do you remember receiving a birthday card and check from your grandparents?

Remember how nice it felt?

Form AIP002

Grandparents purchase Guaranteed Memories® so that, after their death, each of their grandchildren will receive a personalized birthday card and check every year until they are age 55.

Form AIP002

Happy Birthday Mary

With Love,

Grandma and Grandpa Smith

Form AIP002

Front

Inside

Sample Check

Form AIP002

Grandparent selects annual gift amount desired of $100, $250, $500 per grandchild.

Grandparent purchases a Guaranteed Memories® whole life insurance policy from American National Insurance Company, One Moody Plaza, Galveston, Texas 77550-7999.

Form AIP002

After death of the grandparent, the life insurance death benefit remains in an account earning interest at American National. An annual birthday card and check will be sent to each grandchild specified as a beneficiary.

Form AIP002

As each grandchild reaches age 55, they will receive a check and one last birthday card with their pro-rata share of the account value – just in time to pay college costs for their children, put money away for retirement, or maybe even pay a principle amount on the mortgage.

A way to preserve those treasured memories for years to come.

Form AIP002

American National Insurance Company, Galveston, Texas has served policyholders for over 100 years.

American National is responsible for sending the card and check to your grandchild every year on their birthday.

Form AIP002

This policy accumulates what is called ‘Cash Value.’

So, if you were to change your mind in the future and want to cancel your policy you would receive any cash value that has accumulated in the policy.

Form AIP002

Guaranteed Memories®

Form AIP002

No. Absolutely not. However, it can lapse if you do not pay premiums when due.

Form AIP002

No. The annual premium will never increase.

Form AIP002

Not for amounts up to $49,999 to age 70

Not for amounts up to $25,000 from age 71-75

Form AIP002

For any amount between age 76-85, a paramedic exam will be required.

Issuance of the policy may depend upon the answers to health questions set forth in the application

Form AIP002

You can apply for an additional insurance policy to include any grandchildren you may have in the future. The second policy may be subject to full underwriting.

Form AIP002

If you are not insurable, American National will consider an annuity contract.

Form AIP002

Yes. Insurance companies track addresses of beneficiaries and beneficiary name changes all the time in their regular course of business. However, the company should be notified of address changes.

Form AIP002

If you stop making premium payments (and don’t withdraw the cash value of the policy), the policy does have a feature called ‘paid-up insurance.’

Depending on the amount of ‘paid-up insurance’ that has accumulated, your grandchildren may still receive an annual gift, subject to the $100.00 minimum, but the amount may be less than you had selected.

Form AIP002

If you have named more than one grandchild as a beneficiary, all surviving grandchildren will share equally, so if a grandchild were to die before you do, the other grandchildren’s annual gifts’ would increase proportionately.

If you have named one grandchild as a beneficiary and that grandchild dies before you do, you may elect to name a new beneficiary.

Form AIP002

Yes. You can have the card come from both of you. However, only one of you will be insured. The gift will begin after the insured grandparent passes away.

Form AIP002

The cost of your policy depends on your age, smoking status, number of grandchildren, and annual gift you want to provide.

Please complete and return the cost form and I will provide you the needed information.

Form AIP002

Form AIP002