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Signature IUL
(New Product)
ANICO IUL
(Previous Product)
Issue Ages 0-85 0-85
Age: Age Near Birthday Age Last Birthday
Definition of Insurance Test Choice of Guideline Premium Test or Cash Value Accumulation Test (CVAT) Guideline Premium Test
Minimum Death Benefit $25,000 Guideline Premium Test
$100,000 CVAT
$25,000 Sex Distinct
$100,000 Unisex
Interest Crediting Options:
1. Point to Point with 14% Cap and 0% floor
2. Point to Point with 10% Cap and
Higher Floor (currently 1.5% floor)
3. Point to Point with 7.5% Specified
Rate
4. Fixed Account (currently 4.35%)
1. Fixed Account
2. Point to Point with Cap and 0% Floor
Riders and Benefits

All riders not
available in all
states. See rider
guide (Form
10695) for more
information on
these riders.

1. Chronic, Critical, and Terminal Accelerated Benefit Riders – Now with PARTIAL and FULL acceleration options!*
2. Overloan Protection Benefit (Only available for Guideline Premium Test)
3. ANICO Signature Term Rider for UL
4. Disability Waiver of Minimum Premium
5. Disability Waiver of Stipulated
Premium
6. Children’s Term Rider
7. Guaranteed Insurability Rider
1. Chronic, Critical, and Terminal Accelerated Benefit Riders
2. Overloan Protection Benefit
3. ANICO Signature Term Rider for UL
4. Disability Waiver of Minimum Premium
5. Disability Waiver of Stipulated Premium
6. Children’s Term Rider
7. Guaranteed Insurability Rider
8. Other Insured Rider
9. Additional Protection Benefit Rider
Underwriting Express Available on issue ages 0-65 at face amount up to the $250,000 Available on issue ages 0-65 at face amounts up to $250,000
Minimum Guaranteed Crediting Rates Fixed Account: 2.5%
Cumulative Interest Guarantee: 2.5%
Fixed Account: 2.5%
Cumulative Interest Guarantee: 3.0%
Application Basic Application + Supplemental Basic Application
Premium Period To attained age of 121 To attained age of 100
Learn More about Signature IUL
Rates current as of 7/1/14
* The benefit riders is subject to an administrative fee of up to $500 and an actuarial discount that will be assessed when the benefit is elected. Signature Indexed Universal Life Insurance policy is not a registered security or stock market investment and does not directly participate in any stock or equity investment or index. When an individual purchases the policy, the individual is not buying an ownership interest in any stock or index. Past performance of an index is no guarantee of future results. American National Insurance Company and its agents do not make any recommendations regarding the selection of indexed strategies. American National Insurance Company and its agents do not guarantee the performance of any indexed strategies. Policy Form Series: IUL14; ULPTP14; ULSR14; ABR14-TM; ABR14-CH; ABR14-CT; ULCTR14; ULGIO14; ULOPR14; ART12 (Forms will vary by state).

About Stephanie

Stephanie is the 3rd generation of Shaws to work for Shaw American. After graduating from Indiana University in 2011, Stephanie quickly found that life insurance was her true calling.