Withdrawals may be subject to Federal/State income tax and, if taken prior to age 59½, an additional 10% IRS penalty may apply. Neither the Company nor its agents and representatives can provide tax, legal or accounting advice. Client should consult their own attorney or tax advisor about their specific circumstances. 
*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 Ratings may be changed, suspended, or withdrawn at any time.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.americannational.com. 2) A.M. Best’s active company rating scale ranges from A++ (Superior) to D (Poor). 3) Standard & Poor’s active company rating scale ranges from AAA (Extremely Strong) to CC (Extremely Weak). Plus (+) o r Minus (‐) modifiers show the relative standing within the categories from AA to CCC. For a full list of Standard & Poor’s activity company rating scale visit www.standardandpoors.com. 4) Please see the Fitch Ratings website for more information on credit rating categories www.fitchratings.com. 

American National is a group of companies writing a broad array of insurance products and services, comprised of American National Insurance Company, headquartered in Galveston, Texas, and its subsidiaries. Life insurance and annuity products may be issued by American National Insurance Company or American National Life Insurance Company of New York, Glenmont, New York. Property and casualty insurance may be underwritten by American National Property And Casualty Company and subsidiaries, Springfield, Missouri, Farm Family Casualty Insurance Company, Glenmont, New York, or United Farm Family Insurance Company, Glenmont, New York. In New York, business is conducted by the above companies with a home office in Glenmont, New York. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies. Not all companies are licensed in all states. Terms, conditions and eligibility requirements will apply. Not all products and services are available in all states.