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Mark Cole Agency - life insurance advice

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Whole Life Insurance

Our Whole Life insurance contracts offers lifelong stability and protection.

The BEST insurance is the kind that is there...
when you need it.

We build our homes on strong foundations to insulate our families and possessions against the elements. Our careers are built upon a strong foundation of education, determination and experience.

When you are building your conservative financial foundation, why not proceed with the same level of prudence and certainty.

Our permanent whole life insurance contract is to an insurance strategy what a steel beam is to a building — lifelong stability and protection. It says that with certainty you can count on this permanent cash value life insurance to assist with:

Income replacement in the event of the breadwinner's death

Your most valuable financial asset is likely to be your income from work. In the event of your premature death, the tax-free death benefit can be an invaluable ingredient toward replacing that critical income stream. 3

Provide a college education for your children

The quality of the future that awaits your children will largely be dependent upon the post-secondary education that they receive. Give them a leg up on the future by providing some assistance toward the end.

Retire the mortgage on the family home

The family home represents the standard of living that you have earned for your family. The knowledge that your family can remain in that home, even after the death of the breadwinner, can provide peace of mind.

Future collateral needs

The cash value component of a whole life policy can be valuable collateral, should you have future financial needs.

Advantages of Whole Life Insurance

Insurance that can last a lifetime

You can be secure in the knowledge that your coverage will never cease, regardless of outside influences, so long as you pay the premiums outlined in the contract.

Premium payments that are fixed over an entire lifetime

External factors, such as the interest rate environment or the stock market will not affect the required premiums. They are clearly stated in the contract and will never change.

Cash value that grows tax-deferred

The ability to conservatively accrue cash value is assured by continued premium payments. The cash value will increase on the contract anniversary, at a rate outlined in the contract. No taxes are due on this growth of cash value.1

Non-guaranteed features

You are eligible to receive dividends under the contract. Although dividends are not guaranteed, they can increase the death benefit in cash value. American National Insurance Company determines actual dividends earned.

The ability to receive a loan on cash values

You can obtain funds from the contract's available cash value to meet emergencies or anticipated needs.

A tax-free death benefit that passes directly and discreetly to your named beneficiary

Life insurance is not a matter of public record. Upon the death of the insured, the death benefit will be paid to the beneficiary once appropriate documentation is provided to American National Insurance Company.2

Whole Life Insurance can handle the contingencies of life

What happens if I live a longer life than anticipated?

Great! You have a conservative source to supplement your income that can help you sustain your standard of living throughout your retirement.

What happens when I die?

Your beneficiary will immediately receive the tax-free death benefit guaranteed by the contract. Those dollars can then be used for whatever purpose the beneficiary deems appropriate.

What happens if I'm forced to discontinue premium payments?

After several years, the cash value of your contract should be able to keep the contract in force for a period of time, possibly a long time. At some point, the contract will have a substantial number of years of paid-up insurance. No additional premiums will be necessary to keep the contract in force, on a reduced paid-up basis or extended term basis, although cash values may be drawn down. Existing loans, new loans and loan interest will draw down the cash value at a faster rate.

I will:

  • attend the best school...
  • land the best job...
  • find the perfect mate...
  • raise happy, healthy, successful kids...
  • climb the ladder of success...
  • maintain optimal health...
  • grow old with grace...
  • leave my family financial secure...

If only...

If only life followed such a script. But life is an unpredictable, unscripted adventure. And when the unexpected occurs, our responsibilities remain. Our commitments typically extend even beyond our own lifespan. Wouldn't it be comforting to know that we can assure lifelong preparation for whatever script life ultimately writes for us?

The foregoing is neither a contract nor an offer to contract, but is a general description of benefits available under a contract providing the benefits outlined. The exact provisions, terms and conditions of the contract are set forth in detail in an such contract as may be issued. Rates and benefits are based on applicant's age and ability to qualify. The contract has limitations. For costs and complete details of coverage, contact your American National insurance agent.

1 Tax-deferred growth: income and growth an accumulated cash values have been held by the Tax Court to be generally taxable upon withdrawal. (T.H. Cohen, 3a TC 1055 (1963), ace.1964-1 CB 4 also, IRC Sec.72) Consult your tax advisor or attorney on your specific situation.

2 A two-year suicide provision is included in policies (one year in Colorado and North Dakota). If a policyholder commits suicide during the first two policy years, only a refund of premiums will be made. (Missouri requires coverage for acts of suicide, unless it can be proven that the insured intended suicide at the time the application was completed).

3 Tax-free death benefits - Proceeds from a life insurance contract paid because of the death of the insured re generally excludable from the beneficiary's gross income for tax purposes. (IRC Sec. 101(a)(1))

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