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FULFILLING OUR 500-YEAR CHARTER Planning a Future Built on Past Success

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FULFILLING OUR 500-YEAR CHARTER Planning a Future Built on Past Success AMERICAN NATIONAL INSURANCE COMPANY 2018 OVERVIEW FULFILLING OUR 500-YEAR CHARTER Planning a Future Built on Past Success 1905 1930s 1940s BUILDING A STRONG GROWTH DURING LESSONS TO GUIDE FOUNDATION DEPRESSION THE FUTURE When it was founded by W.L. Moody, Jr. in While dark economic times descended upon As a Marine serving in the South Pacific 1905, American National Insurance Company the country during the Great Depression of the during World War II, W.L. Moody, IV, grandson was a fledgling business with just 10 1930s, American National not only survived of American National founder W. L. Moody, Jr. employees and 500 square feet of office space but thrived. Through prudent management, asked his grandfather for advice on how best in Galveston, Texas. In American National’s the company’s assets continued to increase to conduct his business and personal affairs. very first annual report, Mr. Moody explained and its surplus doubled. Even more His answer is known as The Founder’s his business philosophy – one that still impressive, while millions of Americans were Philosophy. guides the company to this day, “Care and laid off or out of work, American National economy have been our watchwords in didn’t dismiss any employees. the management of the business.” 500 Year Charter CERTIFICATE STATE OF TEXAS Department of Insurance I, JNO. M. SCOTT, Commissioner of Insurance of the State of Texas, do hereby certify that the instrument which is hereunto attached is a true, full and correct copy of ORIGINAL CHARTER AND AMENDMENTS THERETO of the AMERICAN NATIONAL INSURANCE COMPANY, GALVESTON, TEXAS now on file in and forming a part of the records of this Department. In Testimony Whereof I have hereunto subscribed my name officially, and have hereon impressed my Seal of Office at the City of Austin, in the State of Texas on this 23rd. day of October, A.D. 1924. W. L. Moody, Jr. began the company Commissioner of Insurance SECOND with only 10 employees. The principal or home office of said company shall be located in the City of Galveston, Galveston County, Texas. THIRD Said Company shall transact a life insurance business, and all and every insurance pertaining to life of persons; receive money on insurance contracts, and pay money or other thing of value to persons, policy holders or their beneficiaries, families or representatives, conditioned upon the continuance or cessation of human life, make endowments and grant, purchase and dispose of annuities; and make contracts upon any and all conditions appertaining to or connected with life risks, of whatever kind or nature; and policies may be issued, stipulated to be with or without participation in profits by the insured, and on such terms and conditions as may from time to time be ordered and provided for by the by-laws or Directors of said Company. Said Company may also, at the Discretion of its Board of Directors, transact the business of Accident Insurance, receive money on such policies, and pay money or other thing of values to persons, policy holders or their families or representatives, conditioned upon the injury, disablement or death of the insured resulting from traveling or general accident by land or water, provided however such accident insurance business shall be a separate department, and be kept separate and distinct from the Life Insurance business of said Company. FOURTH Said corporation or company shall exist and continue its corporate succession for a period of five hundred (500) years. First American National FIFTH office in the original Moody The amount of Capital Stock of said Company shall be Two Hundred and Fifty Thousand Dollars ($250,000.), divided into Two Thousand Five Hundred (2,500) shares, of One Bank Building Hundred Dollars ($100.00) each, and the parvalue of each share shall be One Hundred Dollars ($100.00). b | 2018 Annual Overview 1973 2005 2018 THE ADDITION OF CELEBRATING THE POISED FOR FUTURE PROPERTY & CASUALTY FIRST CENTURY SUCCESS American National grew again with the As American National reached the 100-year- With consolidated GAAP assets of more formation of American National Property mark, it remained committed to the founding than $26 billion, “A” ratings from both and Casualty in Springfield, Missouri. principles of strong management, prudent Standard & Poor’s and A.M. Best, and more ANPAC now provides for a variety of investment and financial strength. Employees than $110 billion in life insurance in force, property and casualty coverage needs, celebrated the company’s centennial American National is well into its second including automobile, homeowners, classic anniversary with a banquet, awards and century of service to its policyholders, cars, umbrella, boat, recreational vehicles, the publication of a commemorative book shareholders, agents and employees. motorcycle, other personal lines insurance “Yours for Life.” and agri-business insurance. A Family’s Legacy The Founder’s Since its founding in 1905, American Philosophy on Business National has been positioned for long-term success. Now, at more than 113 years old, the company has outlived nearly all of its • First and foremost is to deserve early competitors. This is a tremendous and have the confidence of your accomplishment given the average lifespan of most businesses on the S&P 500® friends and the public at large. today is about 15 years. But to American • Never hesitate to say “No” when National founder W.L. Moody, Jr., a century in business was just the beginning. it is proper to do so. In the early days of the company, Mr. • Do not become financially Moody envisioned a longer timescale for involved and always meet your success, leading him to secure a long-term debts promptly. charter for American National. As proof of his commitment to longevity, Mr. Moody • Do not gamble. presided over the company for its first 49 American National Tower at years. • Do not be hasty in making One Moody Plaza In fact, since 1905, there has always been decisions, and think them a member of the Moody family on the over carefully. When you have company’s board of directors. Currently, determined what’s right and Ross R. Moody—the great-grandson proper, do not be easily shaken. of the founder—is American National’s Chairman of the Board. Over the years, the Moody family’s wise stewardship and strength have helped guide the Company’s decades of steady growth. 2018 Annual Overview | 1 PRODUCTS & SERVICES Life Life Insurance Description Life isn’t always an easy climb. There can be challenges as well as triumphs, loss as well as love. And while we all start out in the same place, we all take very Permanent life insurance that allows different routes to our eventual destinations. By planning for flexible premiums and coverage. Premium payments in excess of ahead, we can ensure that we each reach our own high Universal Life (UL) current cost of insurance rates and points while also leaving a lasting legacy of care for our fees accumulate cash value based on a declared interest rate, subject to a loved ones. minimum, for the duration of the policy. American National offers a wide range of life insurance options—including Universal Life, Indexed Universal Life, Whole Life, Term Life and Credit Life— designed to ease the financial burdens a family may face Universal life insurance with a potential Indexed UL for higher cash value, related to the during an already difficult time. performance of a market index. Term life provides coverage for a specified period of time while whole, universal and indexed universal are considered “permanent.” In addition to staying in force for the life of the insured (as long as certain conditions Permanent life insurance with guaranteed premiums. A savings component Whole Life are met), permanent life insurance may accumulate cash accumulates cash value that can be value that can be withdrawn or borrowed against. Credit withdrawn or borrowed against. life is a specialized form of term insurance which uses the proceeds to pay off debt in the event of the insured’s death. Simplest form of life insurance that For the insured, life insurance is an investment Term Life provides pure death benefit coverage for a limited term at a fixed rate. in peace of mind – providing the ability to rest easy knowing that, should the unexpected occur, loved ones will be financially cared for. For the beneficiaries, life insurance is the security of knowing the family can stay in Specialized term insurance established to pay all or a portion of borrower’s debt Credit Life their home or that children will be able to attend college in the event of death during the term of when the time comes. Life insurance can mean the the loan. difference between surviving and thriving. American National’s life insurance products are issued and underwritten by one or more of the following companies: American National Insurance Company, American National Life Insurance Company of Texas, American National Life Insurance Company of New York, and Standard Life and Accident Insurance Company. | American National Insurance Company is licensed in all states except New York. In New York, business is conducted through American National Life Insurance Company of New York. Not all products are available through each company or in all states. | Companies not licensed in all states and do not offer all of the products that are described. Eligibility requirements will apply. Each company has financial responsibility only for the products and services it issues. 2 | 2018 Annual Overview The best time to plant a tree was 20 years ago. The second best time is now. -Unknown Annuities Annuity Description The adage “failing to plan is planning to fail,” holds true whether cooking a new recipe, embarking on a journey A long-term vehicle to accumulate tax- or saving for retirement.
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