American National Insurance Company and YOU!

1. American National Insurance Companyand YOU! “A Partnership for the Future”

2. Ratings Products Easy To DO Business Technology Target Markets Pensions Marketing Support Reasons To DO Businesswith American National

3. Reasons To Do Business with ANICO “Ratings” American National Insurance Company and YOU!

4. American National Insurance Family Of Companies Strength Matters – In Business Since 1905 Comdex of 85+* A by AM Best & Co. • A by Standard & Poor Weis Rating of B+* *Source: Ebix Vital Sales Suite

5. Reasons To Do Business with ANICO “Products” American National Insurance Company and YOU!

6. Products

7. We are the Competition! #1 Form Series ART12 (Forms may vary by state)

8. ANICO Signature Term™

9. Signature Term Issue Ages Signature Term 10, 15, 20 & 30 Signature Term Express 10, 15, 20 & 30 • Face Amts $250,001 and above: • Preferred Plus • Preferred • Standard Plus • Standard • Substandard Tables 1-8 • Flat extras permitted on all classes • Non-Nicotine and Nicotine users • Face Amts $50k to $250k: • Standard • Substandard Tables 1-8 • Flat extras permitted on all classes • Non-Nicotine and Nicotine users Note: Ages 66-70 on 10 Year will require standard underwriting

10. Underwriting Express For amounts up to $250,000 and age 65. Full underwriting on all others. Standard and Substandard rates only. Additional requirements may apply in some cases

11. Annual 20-Year Level PremiumsMale, Standard Nicotine, Age 35, $500,000 Source: CompulifeOctober 4, 2013

12. Annual 20-Year Level PremiumsMale, Standard NS, Age 55, $500,000 Source: CompulifeOctober 4, 2013

13. Annual 20-Year Level PremiumsMale, Standard Plus, NS, Age 40, $300,000 Source: CompulifeOctober 4, 2013

14. Annual 20-Year Level PremiumsMale, Standard Plus NS, Age 35, $500,000 Source: CompulifeOctober 4, 2013

15. Annual 30-Year Level PremiumsMale, Preferred, Nicotine, Age 50, $300,000 Source: CompulifeOctober 4, 2013

16. Annual 20-Year Level PremiumsFemale, Standard Plus NS, Age 30, $500,000 Source: CompulifeOctober 4, 2013

17. Annual 20-Year Level PremiumsFemale, Preferred Nicotine, Age 20, $500,000 Source: CompulifeOctober 4, 2013

18. Annual 15-Year Level PremiumsFemale, Preferred NS, Age 30, $500,000 Source: CompulifeOctober 4, 2013

19. ART Premium Option • *Male insured under age 26 may have an initial ART premium greater than the 10-year level.

20. ART Starting PremiumsMale, Preferred Plus NS, Age 40, $500,000 Source: CompulifeOctober 4, 2013

21. ART Starting PremiumsMale, Preferred Plus NS, Age 50, $500,000 Source: CompulifeOctober 4, 2013

22. ART Starting PremiumsMale, Preferred Plus NS, Age 50, $1,000,000 Source: CompulifeOctober 4, 2013

23. Accelerated Benefit Riders • Living Benefits Available with ANICO Signature Term™ Series • Terminal Illness (12-24 months) • Chronic Illness(2 of 6 ADLs) • Critical Illness(16 illness triggers) Living Benefits When You Need Them Most Form Series ABR11-TM, ABR11-CH, ABR11-CT (Forms may vary by state)

24. Accelerated Benefit Riders We are the Competition! Competition has not embraced Living Benefits for Term

25. Accelerated Benefit Rider “LUMP SUM” or “Partial” Benefit $2,000,000 Benefit to age 65 $1,000,000 Benefit beyond age 65

26. NEW Partial Acceleration • In the event an Insured elects not to fully accelerate the available death benefit, the Insured may now accelerate a portion of the death benefit based upon their current needs • The maximum total Death Benefit available for acceleration is $2,000,000 for ages up to 65 and $1,000,000 for ages 66+ (including all eligible riders attached to the base policy)

27. Partial Acceleration • There is no minimum % of acceleration • Can be 5%,15%,30%, 75%, 100% etc. • Acceleration is not subject to a yearly cap • Acceleration can happen as frequently as needed, multiple times a year* • Each Acceleration requires a claim to be submitted to determine the amount of the benefit *Each acceleration may have tax consequences and clients should be advised to consult their tax and legal advisors for each submitted claim.

28. Accelerated Benefit Riders

29. Accelerated Benefit Riders • Accelerated Benefit Riders may enable consumer with qualifying condition to receive a discounted partial accelerated benefit in lieu of the full death benefit that can be used to help pay expenses of Terminal, Chronic and Critical Illness

30. Take Control of Your Future Although no one expects such events, you can plan for them to help protect from these catastrophic events • One of the ways to plan is to buy life insurance that includes Accelerated Benefit Riders

31. Accelerated Benefit RidersDesigned as Living Benefitsto Help You Sell Life **Three great living benefits for No Additional Premium2** *Some states limit the definition of terminal illness to 12 months. The Accelerated Benefit Riders are offered for no additional premium; however, the accelerated benefit payment will be less than the death benefit because it is reduced by an actuarial discount which is based on the insured’s future expected mortality at the time the benefit is exercised as well as an administrative fee of up to $500 that is assessed when accelerated benefits are elected.

32. Accelerated Benefit Riders The Activities of Daily Living are: Bathing Continence Dressing Eating Toileting Transferring

33. Accelerated Benefit RidersCritical Illness Heart Attack Stroke Invasive Cancer End stage renal failure Major organ transplant ALS Blindness Paralysis • Triggered by a specific qualifying health event where critical illness transpires • Most of the competition only covers 6 triggers Covered Critical Illnesses: • Arterial aneurysms • Central nervous system disease • Central nervous system tumors • AIDS • Major burns • Major Multi-system trauma • Severe disease of any organ • Loss of limbs

34. Accelerated Benefit RiderTerminal Illness Life expectancy of less than 24* months Some states may limit the definition of terminal illness to conditions that are expected to result in death within 12 months Available on all classes Terminal Illnesses can cost an incredible amount of money and cause stress and worry for those involved

35. Accelerated Benefit Rider • Waiting Periods:

36. Accelerated Benefit Riders Payment of Benefits will be the greater of: • Eligible Death Benefit less • Actuarial Discount less • Administrative Fee (not to exceed $500) less • Pro rata policy debt payment* • Accelerated Benefit Amount Or thePro rata Cash Surrender Value *The amount of outstanding policy loans plus accumulated interest will be deducted only if the qualifying insured is the insured under the base policy.

37. Accelerated Benefit Riders • Actuarial discount computed to make accelerated benefit amount equivalent to present value of eligible death benefit less the present value of future premiums required to keep the policy in force • Factors Impacting: • Accelerated Benefit Interest Rate • Severity of Qualifying Medical Condition • Future Premiums • Future Anticipated Dividends • Cash Value Associated with Eligible Death Benefit

38. Tax Consequences • Terminal Illness should be Non Taxable • Chronic Illness Rider distribution mayreceive favorable tax treatment as it is subject to daily limit of $330 or $120,450 annually for 2014 or amount of qualified long- term care expenses. All insurance benefits are considered in evaluating these limits. • Payments received under Critical Illness Rider may be excluded under accidental health policy and IRC Section 105(b) and 105(c) (check with tax advisors) • Clients should consult their tax and legal advisors to determine applicability to their individual situation

39. Tax Consequences • Payments received under critical illness may not be taxable under certain circumstances. • American National does not determine the tax consequences of any payments. • Advise your client to consult a tax professional to determine taxability in their situation. For Agent Use Only; Not for Distribution or Use with Consumers IMG12690

40. Conversion - Signature Term Credit of 100% of Annual Term Premium Payable in Year of Conversion

41. Converting ANICO Signature Term™ Policies

42. Conversions - ART

43. Signature Term “Package” 5 Product Choices Living Benefits Underwriting Express ART – Lowest Cost Term To Term Conversion Credit COMPETITIVE RATES

44. Reasons To Do Business with ANICO “Products” ANICO Indexed Universal LifeANICO Executive Universal LifeAffinity 7 NQ Whole Life

45. Signature Term Rider Competitive Signature Term Rates • Indexed & Exec UL • 10,15,20 Year Term • Min: $25,000 • Max: 4x UL policy face amount • Insured: Primary, Spouse, Other adult family members, business associates

46. Available Products(Applies to Accelerated Benefit Riders and The Underwriting Express Program) Form Series IUL08, IULU08 (Forms may vary by state) The ANICO 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 Form Series Exec-UL, Exec-ULU (Forms may vary by state) Form Series PWL-CSO, PWLU-CSO (Forms may vary by state)

47. ANICO INDEXED UL - IUL The Competitive Niche: ****LIVING BENEFITS**** Strategies listed above are available via loans against the policy. Loans are subject to interest charges and can reduce the death benefit paid to beneficiaries. Outstanding loans may affect the policy’s death benefit, the value of the policy and possibly the length of time the policy remains in force.

48. ANICO IUL • The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by American National Insurance Company.   Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”);   Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by American National Insurance Company.  American National Insurance Company’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such partiesmake any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. • The ANICO 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

49. Why American National’s IUL ANICO Indexed UL – Indexed to the S&P 500

50. Why American National’s IUL 2-Year Rolling Target *Until Insured’s death or full surrender