Independent Marketing Group Life Pensions Annuity · Independent Marketing Group Life • Pensions • Annuity ... Safety and Security ... Richard Kudler , Pension Case

For Agent Use only; not For DistribUtion or Use with ConsUmers

ANICOAGENT GUIDE

Independent Marketing GroupLife Pensions Annuity

American National Insurance Company

September 1, 2014


TABLE OF CONTENTS

Welcome . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Company Financials . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

SALES AND MARKETING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Field Support Center . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Who to Contact in IMG . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Website Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Life Product Portfolio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Annuity Product Portfolio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Annuity Product Portfolio (continued) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

New York Life Product Portfolio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

New York Annuity Product Portfolio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Pension Sales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Advanced Sales and Marketing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Accelerated Benefit Riders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Underwriting Express . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Simplified Issue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Federal Employee Market . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Supply Order . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Pre-Approved Advertising . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

Illustration Software Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

Electronic Life Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

ADMINISTRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

Life New Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25

Annuity New Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

Commissions & Licensing Contacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Policyholder Service Contacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Agent Appointments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28

Annuity Suitability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29

Anti-Money Laundering . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30

E-Agent Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31

Mobile Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32

Compliance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33

AmericAn nAtionAl insurAnce compAny3 September 1, 2014For Agent Use only; not For DistribUtion or Use with ConsUmers

WELCOME

Life Insurance TermLife UniversalLife WholeLife PensionParWholeLife IndexedUniversal

Annuities Fixed EquityIndexed SinglePremiumImmediate GroupFixed GroupVariable

PensionSales&Support UnderwritingExpress iPipeline-E-Applicationand

Illustration CurrentInterestRates ProductInformation&Training IllustrationSoftware UnderwritingGuidelines

MarketingServices AdvancedMarketingConcepts AnnualConferences PolicyInformation VirtualForms MonthlyNewsletter SalesConcepts

Dont forget: Our Field Support Center is staffed with professional individuals to provide you with information and support on products and services offered by the company.

1-888-501-4043, option 1

We Know You Have A Choice With Whom You Do Business We Want To Earn Your Business.

David A. Behrens, CLU, CHFC, LLIF, LUTCFExecutive Vice President

Thank You For Your Interest In Our Products

Our Portfolio of Products includes:

Available on Our Website - http://img.anicoweb.com

AmericanNationalInsuranceCompanyislicensedtoconductbusinessinallstatesexceptNewYork.BusinessisconductedinNewYorkbyAmericanNationalLifeInsuranceCompanyofNewYork,Glenmont,NY.

http://img.anicoweb.com/


COMPANY FINANCIALS

Safety and SecurityAmericanNationalInsuranceCompany(AmericanNational)hasbeenevaluatedandassignedthefollowingratingsbynationallyrecognized,independentratingagencies.TheratingsarecurrentasofJuly2014.

Latest Company Financials for AGENTSLatest Company Financials for CLIENTS

As of 8/30/2014 Total Assets Liabilities

Stockholders Equity

Statutory Reporting1 $18.0 Billion $15.2 Billion $2.8 Billion

GAAP Reporting2 $23.5 Billion $19.1 Billion $4.4 Billion

1 State Insurance Departments require insurance companies to prepare unconsolidated financial statements based on statutory accounting principles. In general, statutory accounting principles are more conservative than Generally Accepted Accounting Principles (GAAP).2 GAAP numbers are prepared on a consolidated basis including American National and all of its subsidiaries.

A.M. Bests Rating1: AAn excellent ability to meet their ongoing insurance obligations

Standard & Poors Rating2: A Strong capacity to meet financial commitments, but somewhat susceptible to adverse economic conditions and changes in circumstances.

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 insurers 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 Nationals Internet site at www.anico.com.

1 A.M. Bests 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).

2 Standard & Poors active company rating scale is: AAA, AA, A, BBB, BB, B, CCC, and CC. Ratings 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.

http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/im_10248.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/im_10249.pdf

5 September 1, 2014


AmericAn nAtionAl insurAnce compAny

SALES &MARKETING


FIELD SUPPORT CENTER

How Can the Field Support Center Assist You?

1. Product information a. Whichproductstouse b. Benefitsoftheproducts c. ProductExplanations d. Productavailability e. Rates(whereapplicable) f. Illustrations(whereapplicable)

2. Ordering Supplies a. Goto:img.anicoweb.com>>e-Resources>>SupplyOrder b. MusthavevalidAgentPCNumber(writingnumber) c. Thingsavailablefororder: i. MarketingSupplies ii. StateRequiredForms

3. Status Updates a. AnnuityContractsandLifePolicies b. Licensing c. AgentRequirements

4. RedirectingIntheeventyouneedtotalktosomeoneaboutissuesyouarefacingsuchascontractquestions,commissions,etc.,youcancontacttheFieldSupportCenter(FSC)initiallyandtheycanre-directyoutotheappropriatedepartmentiftheyareunabletoassistyou.

5. Basic LPES Illustration Support

6. Support for E-Agent -AmericanNationalssiteforappointedagentsnewbusinessstatus,reportsandmore.

7. Where to find information on our website

Field Support Center

Phone NumberToll Free (888) 501-4043, opt . 1

Email Addressimgfsc@anico .com

Fax Number(281) 521-3313

New York Field Support Center

Phone NumberToll Free(877) 755-2667

Email Addressimgfscny@anico .com

http://img.anicoweb.comhttp://img.anicoweb.com/supplyorderredirect/index.htm


WHO TO CONTACT IN IMG

Pension Sales

(888) 909-6504

Advanced Sales & Marketing

Development

(888) 504-2550

ToRequestaPensionProposal:[email protected]

Mike Ruda,PensionCaseDesigner...............................................ext.7785

Bob Kline,PensionSalesConsultant............................................ext.7733

Richard Kudler,PensionCaseDesigner.....................................ext.7829

Sharon Cole,PensionSalesConservationSpecialist..............ext.7821

Orelia Rozycki,MarketingAssociate............................................ext.4358

Kristina Morales,MarketingAssistant.........................................ext.4554

Dawn Franklin,Director....................................................................ext.7844

Brooke White,MarketingManager..............................................ext.7766

Cheryl Clark,MarketingCoordinator...........................................ext.5865

Robert W. Schefft,VicePresident.................................................ext.5767

ToRequestaPre-ApprovedAd:[email protected]

Field Support Center

1-888-501-4043, Option 1

http://img.anicoweb.com/marketing/ContactNumbers/index.htm

A Comprehensive IMG Contact List Is Available On The Web

mailto:mike.ruda%40anico.com?subject=mailto:bob.kline%40anico.com?subject=mailto:richard.kudler%40anico.com?subject=mailto:sharon.cole%40anico.com?subject=mailto:Orelia.rozycki%40anico.com?subject=mailto:kristina.morales%40anico.com?subject=mailto:dawn.franklin%40anico.com?subject=mailto:brooke.white%40anico.com?subject=mailto:cheryl.clark%40anico.com?subject=mailto:bob.schefft%40anico.com?subject=


WEBSITE OVERVIEWhttp://img.anicoweb.com

Top NavigationVirtual Forms: Clicktodownloadformsforproductsinall50states

andPuertoRico

Products: Interactivemenuthatdirectstoproductfamiliesandindividualproductpagesforlifeinsurance,annuities,pensionsandvariableproducts.

Pension Sales: Interactivemenutoquicklynavigatetothepensionsalesmicrositeincludingproposalrequests,marketingmaterials, admin information, printable installationpaperwork,webinarinformationandmore.

Sales Resources: Interactivemenutohelpyounavigatethroughsalesprograms,ideas,concepts,pre-approvedadvertising,newslettersanddistributioncontactinformation.

e-Resources: Interactivemenu to easily direct you to onlineillustrationsoftware,e-Agentlogin/instruction,supplyordersandlifee-Application.

Compliance: Interactivemenu tonavigate to required training,regulationsandproceedures.

Quick Links The quick links bar on the left hand side of the home page is an important resource. Important links are kept in the side bar and are organized by section. Clicking on each named section will reveal relevant links and information.

Tabbed Features

This tabbed section contains quick links

to some of American Nationals feature

products, programs and sales concepts.

Click through the tabs for quick and easy feature links

http://

9 September 1, 2014


LIFE PRODUCT PORTFOLIO

ANICO Signature TermTM

Offersalevelpremiumtermpolicyforaperiodof10,15,20,30yearsandART.

ANICO Signature TermTM SIOffersalevelpremiumtermpolicyforaperiodof10,20or30yearsforapprovedemployergroups.Simpleapplicationandlessforms!

Affinity 7 NQ Whole Life / Affinity 7 Q/457 Whole LifeAffinity7NQWholeLifemaybesoldinnon-qualifiedmarkets.Affinity7QWholeLifemaybesoldin412(e)(3)andotherqualifiedplanmarkets.Affinity7457WholeLifemaybesoldonlyinqualified457plansforschoolonly.

Term Life Insurance Products

Whole Life Insurance Products

Indexed Universal Life Insurance Products

ANICO Executive Universal Life AcashaccumulationuniversallifeinsurancepolicywithaSafetyNetGuaranteeandseveralcustomizableriders

ANICO Executive SI Universal Life AcashaccumulationuniversallifeinsurancepolicywithaSafetyNetGuaranteeandseveralcustomizableridersforSimplifiedIssue

ANICO Executive TE Universal Life AuniversallifeinsurancepolicywithaSafetyNetGuaranteePeriod.Thisplanisavailableonlytoemployees of a school districtthatareeligibletoparticipateinaSection457deferredcompensationplan.

ANICO Executive IV Universal Life AuniversallifeinsurancepolicywithaSafetyNetGuaranteePeriod.Thisplanisavailableonlytoemployeesofastate or local governmentthatareeligibletoparticipateinaSection457deferredcompensationplan.

Universal Life Insurance Products

LIFE PRODUCT PORTFOLIO BROCHUREAmericanNationalInsuranceCompanyislicensedtoconductbusinessinallstatesexceptNewYork.

BusinessisconductedinNewYorkbyAmericanNationalLifeInsuranceCompanyofNewYork,Glenmont,NY.

Signature Indexed Universal LifeAflexiblepremiumuniversallifeinsurancepolicywithbothfixedandmultipleindexedcreditingoptionsbasedupontheperformanceoftheS&P500Indextomeeteachclientsspecificneeds.

NEW!

http://img.anicoweb.com/products/Portfolio/LifeInsurance/TermLifeInsurance/SignatureTerm/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/TermLifeInsurance/SignatureTermSI/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/WholeLife/Affinity7NQWholeLife/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/WholeLife/Affinity7Q457/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/index.htm?sel=0http://img.anicoweb.com/products/Portfolio/LifeInsurance/index.htm?sel=1http://img.anicoweb.com/products/Portfolio/LifeInsurance/index.htm?sel=3http://img.anicoweb.com/products/Portfolio/LifeInsurance/UniLifeInsurance/ExecUniversal/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/UniLifeInsurance/ExecSIUniversal/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/UniLifeInsurance/ExecTEUniversal/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/UniLifeInsurance/ExecIVUniversal/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/index.htm?sel=2http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/im_9234.pdfhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/IndexUniversalLife/SignatureIUL/index.htm


ANNUITY PRODUCT PORTFOLIO

ANNUITY PRODUCT PORTFOLIO BROCHURE

continued on next page


Fixed Annuity

Palladium Multi-Year Guarantee AnnuityOffers6differentguaranteeperiods:5,6,7,8,9,and10yearsandfeaturesanadditionalinterestrateinthefirstyearforcertainguaranteeperiods.

WealthQuest Citadel Diamond 5Atax-deferredfixedannuitywithcompetitiveinterestrates,10%freewithdrawalseachcontractyear,and5yearsurrenderperiod

WealthQuest Citadel Diamond 7Atax-deferredfixedannuitywithcompetitiveinterestrates,1%interestrateenhancement,10%freewithdrawalseachcontractyear,and7yearsurrenderperiod.

Palladium Century SeriesOffersbothflexiblepremiumandsinglepremiumannuities,withvaryingadditionalinterestoptionsonthesinglepremiumplans.

Immediate Annuity

Palladium Immediate AnnuityAsinglepremiumimmediateannuitydesignedtoprovideregularlyscheduledincomepayments.

http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/im_4481.pdfhttp://img.anicoweb.com/products/Portfolio/Annuities/index.htm?sel=0http://img.anicoweb.com/products/Portfolio/Annuities/FixedAnnuity/MYG/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/FixedAnnuity/WealthQuest5/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/FixedAnnuity/WealthQuest7/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/FixedAnnuity/PalladiumCentury/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/index.htm?sel=2http://img.anicoweb.com/products/Portfolio/Annuities/ImmediateAnnuity/PalladiumSPIA/index.htm


ANNUITY PRODUCT PORTFOLIO

ANNUITY PRODUCT PORTFOLIO BROCHURE


Indexed Annuities

ANICO Strategy 7 Indexed Annuity PLUSOffersmultipleinterestcreditingstrategiesbasedupontheperformanceoftheS&P500IndextomeeteachclientsspecificneedsandfeaturestwoLifetimeIncomeRidersthatguaranteeincomeforlife,eveniftheAnnuityValuedropstozero.Sevenyearsurrenderchargeschedule.

ANICO Strategy 10 Indexed Annuity PLUSOffersmultipleinterestcreditingstrategiesbasedupontheperformanceoftheS&P500IndextomeeteachclientsspecificneedsandfeaturestwoLifetimeIncomeRidersthatguaranteeincomeforlife,eveniftheAnnuityValuedropstozero.10yearsurrenderchargeschedule.

ANICO Value-Lock 10Offersa10yearIndexingTermwiththeoptiontolock-inindex-relatedinterestearningsanytimeduringthe10yearSurrenderchargeschedule.

http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/im_4481.pdfhttp://img.anicoweb.com/products/Portfolio/Annuities/index.htm?sel=1http://img.anicoweb.com/products/Portfolio/Annuities/IndexedAnnuity/StrategyPlus7/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/IndexedAnnuity/StrategyPlus10/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/IndexedAnnuity/ValueLock10/index.htm


NY LIFE PRODUCT PORTFOLIO

Term Life Insurance Products

ANICO Signature TermTM

Offersalevelpremiumtermpolicyforaperiodof10,15,20,30yearsandART.

ANICO Signature TermTM Simplified IssueOffersalevelpremiumtermpolicyforaperiodof10,20or30yearsforapprovedemployergroups

Universal Life Insurance Products

Executive Universal Life - NYAcashaccumulationuniversallifeinsurancepolicywithaSafetyNetGuaranteeandseveralcustomizableriders

Executive SI Universal Life - NYAcashaccumulationuniversallifeinsurancepolicywithaSafetyNetGuaranteeandseveralcustomizableridersforSimplifiedIssue

Executive TE Universal Life - NYAuniversallifeinsurancepolicywithaSafetyNetGuaranteePeriod.Thisplanisavailableonlytoemployees of a school districtthatareeligibletoparticipateinaSection457deferredcompensationplan.

Executive IV Universal Life - NYAuniversallifeinsurancepolicywithaSafetyNetGuaranteePeriod.Thisplanisavailableonlytoemployeesofastate or local governmentthatareeligibletoparticipateinaSection457deferredcompensationplan.


http://img.anicoweb.com/products/Portfolio/LifeInsurance/index.htm?sel=0#http://img.anicoweb.com/products/Portfolio/LifeInsurance/TermLifeInsurance/SignatureTermNY/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/TermLifeInsurance/SignatureTermSINY/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/index.htm?sel=2http://img.anicoweb.com/products/Portfolio/LifeInsurance/UniLifeInsurance/ExecUniversalNY/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/UniLifeInsurance/ExecSIUniversalNY/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/UniLifeInsurance/ExecTEUniversalNY/index.htmhttp://img.anicoweb.com/products/Portfolio/LifeInsurance/UniLifeInsurance/ExecIVUniversalNY/index.htm


NY ANNUITY PRODUCT PORTFOLIO

Fixed Annuities

Palladium Multi-Year Guarantee Annuity - NYOffers6differentguaranteeperiods:5,6,7,8,9,and10yearsandfeaturesanadditionalinterestrateinthefirstyearforcertainguaranteeperiods.

WealthQuest Citadel 5 Diamond Annuity - NYAtax-deferredfixedannuitywithcompetitiveinterestrates,10%freewithdrawalseachcontractyear,and5yearsurrenderperiod

WealthQuest Citadel 7 Diamond Annuity - NYAtax-deferredfixedannuitywithcompetitiveinterestrates,1%firstyearadditionalinterest,10%freewithdrawalseachcontractyear,and7yearsurrenderperiod.

Immediate Annuity

Palladium Immediate Annuity - NYAsinglepremiumimmediateannuitydesignedtoprovideregularlyscheduledincomepayments.


http://img.anicoweb.com/products/Portfolio/Annuities/index.htm?sel=0http://img.anicoweb.com/products/Portfolio/Annuities/FixedAnnuity/MYGNY/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/FixedAnnuity/WealthQuest5NY/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/FixedAnnuity/WealthQuest7NY/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/FixedAnnuity/WealthQuest7NY/index.htmhttp://img.anicoweb.com/products/Portfolio/Annuities/index.htm?sel=2http://img.anicoweb.com/products/Portfolio/Annuities/ImmediateAnnuity/PalladiumSPIANY/index.htm


PENSION SALESAmerican National Insurance Company for your Pension & 401(k) business

Full Third Party Administrator Services PlanDesign Documents CompleteAdministration PlanFunding Availabilityofinvestmentadvicethroughanon-affiliatedthirdparty

No Split Commissions!

Specialized Plan Design FivePlanDesignersaveragingover20-yearsexperienceeach Specializingin401(k)Plans,DefinedBenefitPlans,412(e)(3)and

CashBalancePlans Generallyonetotwo-dayturnaroundonproposals

Low Fees Flatannualfeesforadministration,from$400-$2,000onplanswith

25employeesorless One-timestart-upfee$450onnewortakeoverplans

401(k) Takeover Specialists Cangenerallyshowlowerfees,moreinvestmentoptionsandplan

designgivinggreaterallocationtoowner Takeoverset-upfee$450 GroupUnallocatedNon-Registered*VariableAnnuityover50

investmentoptions NoFINRAlicensingnecessary

All we need is a census to design plans for you!

Webaccesstoallinstallationmaterial Designershelpyouunderstandtheplanyouarepresenting Administration&fundinginthesameplaceeasesworkforyouand

yourclient!

Pension Sales

Web Addresshttp://pension .anicoweb .com

Phone NumberToll Free (888) 909-6504, Option 6

Email Addresspensionproposals @anico .com

Fax Number(409) 766-6995

Mailing AddressAmerican National Insurance CompanyAttn . Pension Sales9th FloorOne Moody PlazaGalveston, TX 77550

*ThecontracthasnotbeenregisteredundertheSecurityActof1933inrelianceuponexemptionsfromregistrationthereunder.

http://img.anicoweb.com/microsites/PensionSales/DEVCONT_016750http://img.anicoweb.com/microsites/PensionSales/DEVCONT_016750mailto:pensionproposals%40anico.com?subject=mailto:pensionproposals%40anico.com?subject=


ADVANCED SALES & MARKETING

How can the Advanced Sales Department Help you?

1. Annuity Sales Ideas a.HighNetWorthClients

b.AnnuityWealthTransfer

c.BusinessPlanning

d.AnnuitySalesIdeasWebinar

2. Life Insurance Sales Ideas a. WealthPreservation/SupplementalRetirementPlanning

b. PensionMaximization

c. BusinessPlanning

d. MortgageProtection

e. LifeInsuranceSalesIdeasWebinar

3. Closely Held Businesses a. BusinessContinuationandValuation

b. Non-QualifiedDeferredCompensation

c. ExecutiveBonusPlans

d. BusinessStrategies

4. Retirement Planning a. WealthTransferStrategies

b. SampleLetters

c. RetirementPlanningWebinar

5. Tax/ Miscellaneous a. SocialSecurity

b. EstateTaxes

c. TaxReturnSalesIdeas

6. Financial Calculators

7. Roth IRA Conversion

8. Stretch IRA

http://img.anicoweb.com/microsites/AdvancedSales/DEVCONT_016512http://img.anicoweb.com/microsites/AdvancedSales/DEVCONT_016592http://img.anicoweb.com/microsites/AdvancedSales/DEVCONT_016591http://img.anicoweb.com/microsites/AdvancedSales/DEVCONT_016590http://img.anicoweb.com/microsites/AdvancedSales/DEVCONT_016588http://img.anicoweb.com/microsites/AdvancedSales/DEVCONT_016587http://img.anicoweb.com/microsites/AdvancedSales/DEVCONT_016586http://img.anicoweb.com/microsites/StretchIRA/index.htm


AmericanNationalInsuranceCompanysLivingBenefitsareAcceleratedBenefitRiders(ABRs)whichprovidetheoptionofreceivingapartialorfullacceleratedlifeinsurancebenefitiftheinsuredexperiencesaqualifyingmedicalcondition*.

PartialAccelerationispaidinlieuofaportionofthepolicysdeathbenefit. FullAccelerationispaidinlieuofthepolicysdeathbenefit.Inthecaseofafullacceleration,

thepolicywillbeterminatedafteraccelerationispaid.

TheAcceleratedBenefitRiderscanprovidefundswhentheyareneededtohelpatacriticaltimeandhelpprotectthemoneyyourclientshavesavedforretirementandotherlifeneeds.

The Accelerated Benefit Riders Cover Three Types Of Illnesses

1. Terminal Illness:insuredhasanillnessorchronicconditionthatisexpectedtoresultindeathwithin24**months.(FormABR14-TM)

2. Chronic Illness:insuredisunabletoperformtwooutofsixactivitiesofdailyliving(bathing,continence,dressing,eating,toileting,ortransferring)oriscognitivelyimpaired.(FormABR14-CH)

3. Critical Illness:insuredhassufferedacriticalillnessdescribedintherider,whichmayincludeheartattack,stroke,invasivecancer,etc.(FormABR14-CT)

Protection With No Additional CostTheacceleratedbenefitisofferedatnoadditionalpremium.However,theaccelerateddeathbenefitpaymentwillbelessthantheamountofdeathbenefitrequestedbecauseitisreducedbyanamountcalculatedbasedonAmericanNationalsevaluationoftheinsuredsfutureexpectedmortalityatthetimethebenefitisexercisedaswellasanadministrativefeeofupto$500assessedwhenthebenefitsareelected.

Overview

Training Presentation

Marketing Materials

*SeePolicyFormNumberABR14-TM,ANR14CT,ABR14-CHforacompletelistofpolicyterms,coverageconditionsandlimitations.Acceleratedbenefitswillnotbepaidforconditionsresultingfromself-inflictedinjuryorattemptedsuicide.NoAcceleratedBenefitwillbepaidforanyqualifyingeventthatoccursonorbeforethedateofissueofthebasepolicy.**Somestatesmaylimitthedefinitionofterminalillnesstoconditionsthatareexpectedtoresultindeathwithin12months.TheseridersmaynotbeavailableinallstatesorwithalllifeinsurancepoliciesofferedbyAmericanNationalInsuranceCompany.

ACCELERATED BENEFIT RIDERS

http://img.anicoweb.com/microsites/LivingBenefits/index.htm#http://www.brainshark.com/anicoimo/abr-traininghttp://img.anicoweb.com/microsites/LivingBenefits/DEVCONT_017091


UNDERWRITING EXPRESS

TheANICOUnderwritingExpressprogramisdesignedtoimproveturnaroundtimefromsubmissiontoissuewithnoreductionincommission.

This program is available to: StandardandSubstandardrateclassesonly Maximumpolicyfaceamountof$250,000. Ages0-65 UnderwritingClassesOffered:StandardNicotineUser;StandardNon-NicotineUser;

SubstandardNicotineUser,SubstandardNon-NicotineUser

Important information about Underwriting Express: Requirescompletionofthefullapplication(Form10193;ANY-10193)

Typically,noexams,bloodorspecimensarerequired

Applicationsthatmeetourguidelinesaretypicallyapprovedin48-72hourswithnofurtherunderwritingusingtheapplication,MIBandRxdatabases

MVR,PhoneInterviews,APSsandexamsmayberequiredoncertainapplicants

Available on the following products: SignatureIndexedUniversalLife

ANICOSignatureTermTM

Affinity7WholeLife

ANICOExecutiveUniversalLife

ExecutiveUniversalLifeNY

For complete details on this program visit: http://img .anicoweb .com/concepts/UnderwritingExpress/index .htm

FormSeries:IUL14;EXEC-UL;EXEC-ULU;PWL-CSO;PWLU-CSO;ART12(FormsMayVaryByState)

http://img.anicoweb.com/concepts/UnderwritingExpress/index.htm


AmericanNationalsSimplifiedIssueprogramisavailabletoApprovedEmployerGroups,FederalGovernmentEmployees,State,Local,CountyEmployeesandTeacherswhoarenotparticipatingina457Plan.

Program Features SimplifiedIssueUnderwritingfrom$10,000-$250,000oflifeinsurance

Spousesofcoveredemployeeseligibleforupto$50,000oflifeinsurance

Uptotable4ratingsissuedatstandardrates

Issueages18to65(variesbyproduct)

10Applicationsrequired.Pre-Approvalrequired

4-PgLifeApplicationwithjustafewbasichealthquestions(Form10525)

Onlyfulltimeemployeeseligible

Canbelistbilltoemployerandpayrolldeductedorbankdrafttoemployee

ExecutiveSIUL,Affinity7WholeLifeandSignatureTermSI

NoMedicalsNoBloodNoSpecimens*

For complete details on this program visit: http://img.anicoweb.com/microsites/Worksite/index.htm

*MVR,PhoneInterview,APS,orExamcouldbeorderedbasedonMIBandRXDatabase.

SIMPLIFIED ISSUE


FEDERAL EMPLOYEE MARKETFederal MarketWhenitcomestosellinglifeinsuranceinthePostalandFederalEmployeeMarket,AmericanNationalfollowstheK.I.S.S.(KeepInsuranceSalesSimple)principle.Thismeansashortformapplicationwithafewhealthquestionsisneededbutnomedicalexamsaretypicallyrequired.

Why Federal Government Employees?ThePostalServiceofferscoveragethroughtheFederalEmployees'GroupLifeInsurance(FEGLI)Program.Yet,withthecostofthisprogramincreasingeveryfiveyears,thepriceofinsurancehasapossibilityofbecomingprohibitivelyexpensive.AmericanNationalInsuranceCompanyoffersaFEGLIalternativeinsuranceprogramdesignedtomeetthespecificneedsofFederalEmployees.

WecanprovideFederalEmployeesanin-depthanalysisoftheirFEGLIbenefitsandreviewalternativestomeetgoalsandobjectivestailoredtotheiruniqueneeds.IfyouarecurrentlyworkingintheFederal/PostalMarketorhaveclients/prospectswhoareFederalorPostalEmployees,aseriouslookatourcomprehensiveofferingsmayhelpinmeetingtheclient'sneeds.

What Materials are Available to Help Sell to the Federal Employee Market?Agent Pieces

GettingStartedintheFederalMarket FederalMarketTrainingGuide ProspectingFederalAgencies FrequentlyAskedQuestions SPIAvsFederalMarketImmediateAnnuity ProspectingTool:Top30FederalAgenciesbyState ProspectingTool:NumberofFederalEmployeesandRetireesbyState ProspectingTool:UnionswithFederalRecognition

Consumer Pieces:

FEGLICostsincreaseeachyear ExploreYourOptions FederalEmployeeCollectionSheet

IfyouareinterestedinworkingintheFederalEmployeeMarket,itsimportantthatyoureviewourFederalEmployeeMarketKit.Visitusontheweb:http://img.anicoweb.com/microsites/Worksite/FederalGovernmentEmployees/index.htm

http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10520.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10512.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10518.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10517.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10516.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10521.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10519.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10523.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10514.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10522.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/10515.pdfhttp://img.anicoweb.com/microsites/Worksite/FederalGovernmentEmployees/index.htmhttp://img.anicoweb.com/microsites/Worksite/FederalGovernmentEmployees/index.htm


SUPPLY ORDERAll orders will be shipped UPS Ground Service.

Please allow 7-10 business days for delivery.Orders cannot be shipped to a PO Box.

Option 1: Web Order Form

1. Navigatetohttp://img.anicoweb.com andclickon e-ResourcesthenSupply Order

2. Fromthispage,choosethetypeofsuppliesyouwishtoorder(Youmaychoosebothtypes)andclicksubmit

a) Marketing Supplies-Productbrochures,specsheets,kits,etc. CertainMaterialsmayhavelimitedquantities

b)State Required Forms-Applications,fraudforms,bankdraftforms,etc.

3. Clickthecheckboxontheleftnexttoeachsupplyyouwouldliketoorderandindicatehowmanyofeachpackageyouwouldliketoorderintheemptyboxontheright.

4. ClickSubmitFormatthebottomofthepage.

5. Reviewyourorder(cancel,complete,add)

6. CompleteAgentandShippinginformation.RequiredInformation:Name,Address,e-mailaddress,AgentCodeorSSN.

7. ClickSubmit

8. IfyoucheckedBOTHmarketingsuppliesandStateRequiredForms,thesystemwillnowtakeyoubacktotheStateRequiredFormsorderform.Repeat steps 4-8 .

Option 2: Phone/Email

1. CalltheFieldSupportCenter:(888) 5014043

2. E-mailtheFSC:[email protected]

Contactinfoandagentcodeisrequired

Quantitiesoncertainpieces,suchaskits,maybelimited.

http://img.anicoweb.com/mailto:imgfsc%40anico.com?subject=


PRE-APPROVED ADVERTISING

Inanongoingcommitmenttomeetyourneeds,AmericanNationalofferscustomizedpre-approveddigitaladstoourcontractedagents.*

Whilewedonotprovidetheactualprintingservice,ourgraphicdepartmentwillprovidecustomizeddigitalfilesthatarecamerareadysoyoucandeliveryourpersonaladtotheprinterofyourchoice,distributeviaemailoraddtoyourpersonalwebsite.

Approvedadsareavailableonourwebsite.Themajorityoftheseadsareonepagelettersized.Toseetheapprovedads,navigatetothepre-approvedsectionofourwebsiteat:http://img.anicoweb.com/marketing/agentAds/index.htm

How to Request a Customized AdOption 1: Advertising Request Form

1. Decidewhichoftheavailableadsonthewebsitemeetyourneeds

2. Fromthepre-approvedadsectionoftheIMGwebsite(mentionedabove)clickthelinkatthetopofthepagetitledAdvertising Request Form

3. Completetheformandsubmit.

Option 2: Email Request

1. EachadonthewebsitehasanumberthatbeginswithIMG,Makenoteofwhichadsmeetyourneeds.

2. SendanemailtoIMGmarketingads@anico.comcontainingthefollowinginformation: YourNameAmericanNationalAgentNumber(PCN)Contactinformation,exactlyasyouwantitlaidoutontheadListofthead(s)youwouldlikecustomized

Averageturnaroundtimeforcustomizedadvertisingis2-3businessdays.

*Pleasenote:Duetocomplianceregulations,ourgraphicsareacannotcustomizeadsforindividuals/businessesthatarenotlicensedandcontractedwithAmericanNational.

http://img.anicoweb.com/marketing/agentAds/index.htmmailto:IMGmarketingads%40anico.com?subject=


ILLUSTRATION SOFTWARE OVERVIEW

AmericanNationaloffersseveralplatformstoreceiveillustrationsofourproducts.

OurprimaryplatformisANICOLifePortraits(LPES).

Togetthesoftware,youcanaccessawebversionoradesktopversionbygoingto:

http://img.anicoweb.com/illustrations/AvailableVersions/index.htm

ThisportionofthewebsitealsohasAudio/Videoguidestohelpyouwiththesetupoftheillustrationsoftware.

ThesamelinkwilltakeyoutoourOnlineIllustrationServices,SPIAExpressforquotingSinglePremiumImmediateAnnuitiesandWinflexDesktop,apartialportfolioofourproducts.

In case of special mid-month updates, you can also use the link above to receive the required updated illustration software prior to the beginning of the month.

Option 1: ANICO Life Portraits (LPES)

Option 2: iGO e-App Illustrations

Save Time, Money and EnergyiGOe-Apphasbeendesignedtoallowforstraightthroughprocessingbyprovidingatwo-partsystemforrunningtheillustrationandcompletingtheelectronicapplicationALLINONEPLACE.

No need to use multiple illustration programsIllustrationsarerequiredoncertainproducts.RunyourillustrationsiniGOe-Apptosimplifyyourprocess.

Automatically add information to the e-AppWhenyourunanillustrationiniGOe-App,theinformationyouselectedfortheillustrationisautomaticallyfilledinonthee-App.

No need for a separate signed illustration IfyouobtainyourillustrationiniGOe-App,theresnoneedtosigntheillustrationseparately.Yourclientcansignaspartofthee-Appe-Signatureprocess.

http://img.anicoweb.com/microsites/iPipeline/index.htm

http://img.anicoweb.com/illustrations/AvailableVersions/index.htm


Increase in Good Order Submissions, Reduce Cycle Time and Improve Placement Ratios

iGOe-App,anintelligentfillableform,enables independentagentsto improveefficiencyandproductivitybyeliminatingerrorsandproducing100%inGoodOrdersubmissions.

Hostedby iPipeline, iGOe-App isaccessible througha single sign-onvia the IMGWebsite.Whenusedwithe-Signatureande-Submission,agentsareenabledforstraight-throughprocessingtospeedpolicyissuanceandincreaseplacementratio.

Program Features

iPipelineiscurrentlyavailableinallstatesexceptNY Easy-to-usenavigationandworkflow,dynamicalertsandstatusesandgraphical

indicators Web-basedillustration-informationautomaticallyfeedsapplication View/printformsatanytime Electronicsignatureforallrequiredparties-insured,owner,trusts,thirdparties&

multipleagents Seedetailsofallsignaturemethodshere.NEW! Electronicsubmission MoreproductfeatureswillbeavailableatourFrequentlyAskedQuestions

Benefits

EnsuresallapplicationsareInGoodOrder(iGO) Reducescycletimeby10-14days Acceleratesunderwritingandpolicyissuance View/printformsatanytime IllustrationandApplicationinonesoftware-Finally!

Eligible Products

SignatureIndexedUniversalLife ANICOSignatureTermTM

ANICOExecutiveUniversalLife


ELECTRONIC LIFE APPLICATIONS


24 September 1, 2014


AmericAn nAtionAl insurAnce compAny

ADMINISTRATION


Life New Business

Toll Free Number

800-672-9960

Fax Number

(888)237-1012

Email Address

[email protected]

Regular Mailing Address:

LifeNewBusinessPOBox3297Springfield,MO65808-3297

Overnight Mailing Address:

AmericanNationalInsuranceCompanyMailProcessingCenterAttn:LNB32971949ESunshineSt.Springfield,MO65899-3297

LIFE SERVICES CONTACTS

Life New Business - New York Application

American National Life Insurance Company of New York Toll free number:866-490-3163

American National Life Insurance Company of New York Mailing Address:

AmericanNationalLifeInsuranceCompanyofNewYorkOneMoodyPlaza7thFloorGalveston,TX.77550

mailto:imgteam%40anico.com?subject=


ANNUITY SERVICES CONTACTS

Phone NumberTollFree(800)252-9546

Fax Number (409)766-2022

Overnight Mailing Address:AmericanNationalInsuranceCompanyMailProcessingCenterAttn:AnnuityServices104271949ESunshineSt.Springfield,MO65899-0427

Regular Mailing AddressAnnuityServicesPOBox10427Springfield,MO65808-0427

Annuity New Business

Annuity New Business - New York Applications

Toll Free NumbersFixedAnnuity:(866)490-3163Reg60Unit:(877)540-5657

Fax Number(281)535-4623

EmailReg60Unit:[email protected]

Mailing Address FixedAnnuityDept.OneMoodyPlaza7thfloorGalveston,TX77550

mailto:NewYork.Reg60%40anico.com%20?subject=


OTHER USEFUL CONTACTS

Commissions & Licensing

Toll Free Number

888-801-8845

Fax Number

409-766-2988

Email [email protected]

Mailing Address:

OneMoodyPlaza4thfloorGalveston,TX77550

Policyholder Service Contacts

Annuity Customer Service Toll Free Number

(800)252-9546

Life Customer Service Toll Free Number

(800)899-6806

Customer Access Websitehttps://portal.anico.com/wps/myportal?style=anico

Regular Mailing Address:

LifeInsuranceServicesPOBox3257Springfield,MO65808-3257

Overnight Mailing Address:

AmericanNationalInsuranceCompanyMailProcessingCenterAttn:LIS32571949ESunshineSt.Springfield,MO65899-3257

mailto:licensecontracts%40anico.com%20?subject=https://portal.anico.com/wps/myportal?style=anicohttps://portal.anico.com/wps/myportal?style=anico


AGENT APPOINTMENTS

Q. Does American National pay appointment fees?

A.Yes

Q: Can you submit your appointment paperwork before you submit business?

A.Yes

Q: What is your transfer policy?

A.1.Currentarrangement/contractmustbemorethan180daysold2.Nonewbusinesssubmittedwithinthelast180dayperiod

3.Agentmaybetransferredwithinthe180dayperiodifAmericanNationalreceiveswrittenauthorizationfromtheagentsuplinecontractholderwheretheagentplacedbusinesswithinthelast180days.

Q: Do we allow dual appointments?

A.No,AmericanNationaldoesnotallowdualappointments.

Q: Do we require Errors & Omission?

A.Yes

Q: Are EFTs, (direct deposits) mandatory?

A.YES

What are American Nationals AML (anti money laundering) requirements?

A.WerequireavendorAMLandanAmericanNationalspecificrequirement.

Q: Is Annuity Product Specific Training required prior to submission of annuity business.

A:Yes.ThisrequirementappliestoanystatethathasadoptedthemodelNAICregulation.AnyannuityapplicationdatedpriortocompletionoftheAnnuitySuitabilityRequirementwillberejected.(http://www.img.anicoweb.com/training/index.htm)

If you are not currently appointed with American National, please contact our Field Support Center,

1 (888) 501-4043, Option 1 to begin the appointment process .

Common Agent Appointment Questions

http://www.img.anicoweb.com/training/index.htm


ANNUITY SUITABILITYAmericanNationalsSuitabilityStandard&Guidelinesmustbeadheredtobyitsproducersinallstatesregardlessofwhetherornotastatehasadoptedthe2010SuitabilityModel.

PleasereadandreviewtheSuitabilityStandard&Guidelinesat:http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_10213.pdf

Underthe2010SuitabilityModel,producersarerequiredtofulfilltwodifferenttrainingrequirements:

1. Aone-timestate-levelfour(4)hourcontinuingeducationcourseonannuities.Pleasenotethatthestate-leveltrainingrequirementmaynotfollowtherevisedModel,sopleasecontactyourstateDepartmentofInsuranceoryourmarketingrepresentativefordetails.

2. ProductspecifictrainingprovidedbytheinsurancecarrierpriortosolicitingthesaleofAmericanNationalsannuityproducts.AmericanNationalhasdevelopedannuityproduct-specifictrainingthatmeetsthisrequirement.Thistrainingcanbecompletedthroughtrainingplatforms,pleasespeaktoyourmarketingrepresentativefordetails.

***Pleasenotethatiftherequiredtraininginthestatethatyouarelicensedinhasnotbeencompletedandyousubmitannuitybusiness,thisapplicationwillberejecteduntiltheappropriatetraininghasbeencompletedandsubmittedtoAmericanNational.***

Annuity Suitability Training

AmericanNationalhaspartneredwithRegEdtoprovideProductSpecificAnnuityTrainingforallstatesregardlessofwhetherornottheyhaveadopted(orpartiallyadopted)theNAICSuitabilityinAnnuityTransactionsModel.IfyouarealreadyusingRegEdforothercarriers,andarecurrentlyacontractedagentwithAmericanNational,thetrainingshouldbemadeavailablethroughyourRegEdaccountshortly.

IfyouarenotcurrentlyusingRegEdforyourtrainingneeds,orwouldlikefurtherinformationabouttakingtheAmericanNationalTraining,pleasegotothefollowinglink:http://img.anicoweb.com/training/index.htm

ThislinkwillprovidestaterequireddatesandAmericanNationalrequiredformsforyourreference:http://img.anicoweb.com/cs/groups/public/documents/webassets/prodcont_014128.pdf

http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_10213.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_10213.pdfhttp://img.anicoweb.com/training/index.htmhttp://img.anicoweb.com/cs/groups/public/documents/webassets/prodcont_014128.pdf


ANTI-MONEY LAUNDERING TRAINING

EffectiveJanuary1,2008,AmericanNationalwillnolongeracceptannuityornewcashvaluelifebusinessfromanyproducerwhohasnotcompletedthefollowingAMLtraining.

PleaseNote:Onlycontractedagentsmaycompletethesecourses.

Required Courses:

1. LIMRAsbasicAMLtrainingcourseAmericanNationalhasapprovedalternativetrainingcourses.See a complete list of approved alternative courses

2. AmericanNationalscompany-specifictrainingcourseMUST BE COMPLETED TO WRITE BUSINESS

AML Policies / Procedures

Company Guide to Anti-Money Laundering

Company Red Flags to look for

Frequently Asked Questions (Department of the Treasury)

What agents Should Expect an article from ACLI

American National Acceptable Identification under the U.S. Patriot Act

For Complete information and/or to begin the required training, please visit us on the web:

http://img .anicoweb .com/compliance/AntiMoneyLaundering/index .htm

http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_amlothercourses.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_amlguide.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_amlredflags.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_amlfaq.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_amlacli.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_amlid.pdf


E-AGENT OVERVIEW

WEVE GONE PAPERLESS! Reduce paper, reduce costs!E-AgentisonlyavailabletoagentsappointedtoAmericanNationalInsuranceCompany.TheinstructionscontainedinthispresentationareapplicableonlytoagentsappointedtotheIndependentMarketingGroupadivisionofAmericanNationalInsuranceCompany.

E-Agent provides: Reports(Commissions,QuarterlyandAnnualStatements,BookofBusiness,Lapse

Notices,etc)

In-forceInquiry(seecurrentpolicyinfo,includingvalue)

NewBusinessStatus(allpendingpoliciespendingrequirements)

AccesstoOnlineIllustrations

AccesstoAMOSalesmaker(greatinfoonindustryconcepts)

LinkstotheIMGHomePage,USAPatriotActinformationandtraining,andVirtualforms

LinktoScanIt!(uploadscannedapplications)

LinktoiGoe-AppavailablefromiPipeline

How to access E-Agent:

Option 1:

1. NavigatetotheIndependentMarketingGroupWebsite:http://img.anicoweb.com/

2. OntheLeftofthepage,clickonQuickLinks

3. ClickonE-Agent

Option 2:

1. Gototheloginscreendirectlyat:https://access.anico.com/

For Full E-Agent training, please see the complete E-Agent overview available below: http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_e-agent_instructions.pdf

http://img.anicoweb.com/http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_e-agent_instructions.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_e-agent_instructions.pdf


MOBILE APPLICATION

Set up One Touch American National Term Quote on your mobile device by following the instructions below:

Navigate to http://img.anicoweb.com/mobile

1. From the Term Quote page, tap the menu icon.

2. Tap Add to Home Screen

Android Devices1. From the Term Quote

page, tap the menu icon.

2. Tap Bookmarks and customize the name to your preference.

3. Tap and Hold your newly created bookmark and select Add Shortcut to Home when it pops up.

BlackBerry1. From the Term Quote

page, click the BlackBerry button under the screen.

2. Tap Add to Home Screen

3. Tap Add

iPad/iPhone

Access Inforce Inquiry and Term Quotes on the Go. Timeisvaluable.AmericanNationalhasputtogetheramobileapplicationtohelpyousell.Followtheinstructionsbelowtoinstalltheapponyourmobiledevice.


COMPLIANCE

General Compliance Requirements: WhendoingbusinesswithAmericanNationalInsuranceCompany,therearecertaincompliancerequirementsthatmustbeadheredto.Formoreinformationoncompliancerequirements,pleasereviewthematerialsbelow:

FieldReferenceManual AdvertisingGuidelines StrangerOwnedLifeInsurancePolicy

New York Compliance Requirements: ThestateofNewYorkhasuniquecompliancerequirements.

Inthecaseofreplacements.PleasemakesureyouarefamiliarwiththerequirementsofRegulation60inNewYork. Regulation60Packet Regulation60Presentation

Reg 60 Unit Toll Free Number(877)540-5657

[email protected]

Mailing Address FixedAnnuityDept.OneMoodyPlaza7thfloorGalveston,TX77550

http://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_comp_fieldreferencemanual.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_advertising_guidelines.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/@content/documents/webcontent/img_news_solipolicy.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/documents/webassets/img_any_reg_60_packet.pdfhttp://img.anicoweb.com/cs/groups/public/@anpub/@img/documents/webassets/img_reg_60.pdfmailto:NewYork.Reg60%40anico.com%20?subject=

CoverTable of ContentsWelcomeCompany FinancialsSales and MarketingField Support CenterWho to Contact in IMGWebsite OverviewLife Products Annuity Products - 1Annuity Products - 2NY Life ProductsNY Annuity ProductsPension SalesAdvanced Sales and MarketingAccelerated Benefit RidersUnderwriting ExpressSimplified IssueFederal Employee MarketSupply OrderPre-Approved AdvertisingIllustration Software OverviewElectronic Life Applications

AdministrationLife Services ContactsAnnuity Services ContactsCommissions and LicensingPolicy Holder Service ContactsAgent AppointmentsAnnuity SuitabilityAnti-Money Laundering (AML) TrainingE-Agent OverviewMobile ApplicationCompliance