Website Content
Please read these Terms of Use carefully before accessing or using this website. By accessing the website, you agree to be bound by the terms and conditions contained herein. If you do not want to be bound by these terms and conditions, you should not access or use the website. American National, may at any time revise these terms and conditions without notice. Accordingly, you agree to review these Terms of Use periodically, and your continued access or use of this site shall be deemed your acceptance of any modified Terms of Use. American National reserves the right at any and all times and in its sole discretion to change the contents of this website and the products and services referenced hereon offered by its affiliates. American National reserves all other rights.
Product Availability
The product and/or service descriptions, if any, provided on the American National website are not intended to constitute an offer to sell or a solicitation to buy any product or service. Not all products and services are available in all states, and all products are subject to applicable regulation. Anyone interested in a particular product should contact an American National agent to ascertain whether the product and/or service is available in their jurisdiction and to request more information about the product and/or service. Please note that in many instances products and services may be offered only through employers or other plan sponsors.
Links to Other Websites
Links to third party websites are offered as a matter of convenience and in no way are meant to imply that American National endorses, controls, approves, sponsors, promotes or is affiliated with the owners of, or participants in, those sites or any material contained therein. American National is under no obligation to maintain any link on this website and may remove any such link at any time in its sole discretion for any reason whatsoever.
Ownership of Materials and Restrictions on Use
While American National provides the information on this website to anyone, American National retains copyright on all text and graphic images. No permission is granted to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services found on this website.
Privacy
American National cannot guarantee the confidentiality of information exchanged over the Internet. Please note that personal information, such as your Social Security number, telephone number, address or information contained in your message may be accessible to other users of the Internet. To protect your privacy, please do not communicate information you want to keep confidential through e-mail or the website. Personal information transmitted to us will be treated in accordance with our Privacy Policies.
When you connect with this website, American National places a small text file, called a "cookie," on your hard drive, as a means of identifying you to our computers in the future. Cookies are a standard type of data file used by website administrators to facilitate your ongoing access to and use of a particular website. Depending on the information you have previously provided to us, a cookie from American National might contain your name, email address, postal address and/or telephone number. It will not include your password or credit card number. If you do not wish to receive this or other cookies when you are online, or wish to condition your receipt of such files, there is a simple procedure in most browser software that will allow you to block or condition their receipt. Cookies may be necessary, however, to provide you with certain features, such as merchandise transactions or registered services.
American National also allows third party companies to use cookies to collect certain anonymous, non-personally identifiable information when you visit our website. We use “Google Analytics” to collect information about use of our website. For more information about how Google uses the information, please visit https://policies.google.com/technologies/partner-sites. If you do not wish for “Google Analytics” to receive information concerning your visit to our website, you may opt out of the service by using the Google Analytics Opt-out Brower Add-on, which may be found at https://tools.google.com/dlpage/gaoptout.
Limitation of Liability
American National maintains this website as a service to the Internet community. The information on this website is subject to change without notice, and American National assumes no commitment to update any information on this website. You use the website at your own risk. ALL INFORMATION AND CONTENT AVAILABLE ON, OR ACCESSIBLE FROM, THE AMERICAN NATIONAL WEBSITE ARE PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL AMERICAN NATIONAL BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND WHICH MAY ARISE OUT OF ANY PERSON’S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. American National does not guarantee or warrant that functions will be uninterrupted or error-free, that any information, software or other material available on or accessible through the website are free of viruses, worms, Trojan Horses, or other code that has contaminating or destructive properties. If your use of this website or the materials therein results in the need for servicing or replacing property, equipment, or data, American National is not responsible for those costs. American National assumes no responsibility for any consequence relating directly or indirectly to any action or inaction that you or anyone else takes based on the information, services, or other material from this site.
Forward-Looking Statements
This website may contain forward-looking statements and cautionary statements. Forward-looking statements generally are indicated by words such as “expects,” “intends,” “anticipates,” “plans,” “believes,” “estimates,” “will” or words of similar meaning, and include, without limitation, statements regarding the outlook of our business and expected financial performance. These forward-looking statements are subject to changes and uncertainties which are, in many instances, beyond our control and have been made based upon our assumptions, expectations and beliefs concerning future developments and their potential effect upon us. There can be no assurance that future developments will be in accordance with our expectations, or that the effect of future developments on us will be as anticipated, particularly given the uncertainty relating to the COVID-19 pandemic. We do not make public specific projections relating to future earnings, and we do not endorse any projections regarding future performance made by others. Additionally, we do not publicly update or revise forward-looking statements based on the outcome of various foreseeable or unforeseeable events.
Forward-looking statements are not guarantees of future performance or outcomes and involve various risks and uncertainties. There are certain important factors that could cause actual performance and outcomes to differ, possibly materially, from expectations or estimates reflected in such forward-looking statements. These factors include, among others: (1) potential for difficult conditions in the economy, which may not improve in the near future, and risks related to persistently low or unpredictable interest rates; (2) fluctuations in the markets for fixed maturity securities, equity securities, and commercial real estate, which could adversely affect the valuation of our investment portfolio, our net investment income, our retirement expense, and sales of or fees from certain of our products; (3) lack of liquidity for certain of our investments; (4) risk of investment losses and defaults; (5) the impact of major public health issues, like COVID-19; (6) differences between actual experience regarding mortality, morbidity, persistency, expense, surrenders and investment returns, and our assumptions for product pricing, establishing liabilities and reserves or for other purposes; (7) changes in our experience related to deferred policy acquisition costs; (8) advances in medical technology and testing, which may increase our adverse selection risk; (9) potentially adverse rating agency actions; (10) potential inability of our insurance affiliates to pay dividends or reinsure business to our Bermuda reinsurer due to constraints imposed by insurance regulatory requirements; (11) failures or limitations of our computer, information security and administration systems; (12) failure to complete and implement technology initiatives in a timely manner; (13) natural or man-made catastrophes resulting in increased claims activity from catastrophic loss of life or property; (14) the effects of global climate change; (15) the highly competitive nature of the insurance and annuity business; (16) potential difficulty in attraction and retention of qualified employees and agents; (17) the introduction of alternative healthcare solutions or changes in federal healthcare policy, both of which could impact our supplemental healthcare business; (18) adverse determinations in litigation or regulatory proceedings which may result in significant financial losses and harm to our reputation; (19) significant changes in government regulation; (20) changes in tax law; (21) changes in statutory or U.S. Generally Accepted Accounting Principles (‘‘GAAP’’), practices or policies; (22) potential changes in the availability, affordability, adequacy and collectability of reinsurance protection; (23) potential default or failure to perform by the counterparties to our reinsurance arrangements and derivative instruments; (24) potential employee error or misconduct, which may result in fraud or adversely affect the execution and administration of our policies and claims; (25) potential ineffectiveness of our risk management policies and procedures; (26) the effects of unanticipated events on our disaster recovery and business continuity planning; and (27) potential ineffectiveness of our internal controls over financial reporting.
