No. This is the most affordable benefit on the market.

There are 18 benefit triggers:

Critical Illness
The diagnosis of any of the following illnesses or conditions:

• Invasive Life-Threatening Cancer

• Major Burns

• Stroke

• Coma

• Major Heart Attack

• Aplastic Anemia

• End-Stage Renal Failure

• Benign Brain Tumor

• Major Organ Transplant

• Aortic Aneurysm

• ALS (Amyotrophic Lateral Sclerosis)

• Heart Valve Replacement

• Blindness due to Diabetes

• Coronary Artery Bypass Graft Surgery

Chronic Illness
The inability to perform at least two activities of daily living for at least 90 days or the presence of a severe cognitive impairment.

• Dressing · Toileting

• Eating · Transferring

• Bathing · Continence

There is not a waiting period. Once approved, the policy and benefits are immediately active.

The formula is as follows:

Eligible Death Benefit (Face Amount)
(-) Actuarial Discount (Life Expectancy)
(-) Administrative Fee (not to exceed $500)
(-) Outstanding Policy Debt
=  Accelerated Benefit Amount

Reporting: You must provide notice that a covered insured has suffered a qualifying medical condition. This must be done within 365 days of the qualifying illness for the Accelerated Benefit Rider for Critical Illness. American National will provide you with a claim form and will request records of the insured’s medical history, diagnoses, and treatments. In your claim form, you will tell us what percentage of the policy you wish to accelerate. In the event of multiple partial accelerations, proof of qualification may be requested for each claim. If you reside outside of the United States at the time of the claim, you will be required to see a U.S. doctor in order to accelerate your benefits

Offer: If we determine that benefits are payable, we will provide you with an accelerated benefit election form which will include an offer for an accelerated benefit payment based upon your request.

Election: In most states, you will have fifteen days following the receipt of the accelerated benefit election form to accept our offer of an accelerated benefit payment. You will be under no obligation to accept this offer.

Yes, you can accelerate your death benefit with any qualifying illness until the death benefit is exhausted.

Enjoy life! The policy is guaranteed for the entire benefit period, regardless of active duty status or not.

Spousal policies are very inexpensive and we’d encourage your spouse to consider coverage as well.

Yes, there are NO RESTRICTIONS on the type of cancer that is covered with this policy. However, a few cancers fall under different qualifications for acceleration.  Consult with your benefits professional for details.

This is a 24 hour, 365 day protection on or off the job.

Heart attacks are covered under Critical Illness and have the same benefit guidelines as any other critical illness.

As long as it is controlled, you can still qualify.

As long as it is controlled, you can still qualify.

Many applications are completed without an exam.  Health history may dictate the need for further health assessment.  Your advisor will discuss the processing of your application.

Approvals are in as little as 3 days to 3 weeks. It is a case by case scenario.

Yes, the pricing is different. Consult your benefits professional for more information.

The premium will remain the same during the guarantee period.

YES! The policy follows you wherever you go during the guarantee period.

The policy does cover suicide after a 24 month waiting period.

Yes, it covers 3^rd degree burns >40% Body Surface Area.