American National Annuities



 
A Single Premium Immediate Annuity provides a periodic income which begins after the mode selected (monthly, quarterly, semi-annual and annual) when the policy is issued.
 

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American National Family Of Companies:

Annuities

Single Premium Immediate Annuity

With a Single Premium Immediate Annuity, a lump sum of money is paid in and you are guaranteed to receive a series of payouts over a period of time. The amount of the payout is determined by both the current interest rate at the time the contract is issued and by the payout option chosen.



       



 

American National
Address1 One Moody Plaza
Address2  
City Galveston
State TX
Zip 77550-7999
Phone Number 409/763-4661
Fax Number 409/766-6663
WebPage www.img.anicoweb.com
 
 

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  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents


Captive Agent
 

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.


Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

 


 

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