* 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).