*WealthQuest® III Variable Products involve investment risk, including the possibility of negative rates of return. The rates of return are not guaranteed and will fluctuate, and units may be worth more or less than their original cost when withdrawn. The death benefit guarantee is subject to the claim-paying ability of the insurance company and does not extend to the Separate Account. American National Insurance Company is the issuer of its variable products, which are distributed through a subsidiary broker-dealer, Securities Management and Research, Inc. (SM&R) and its Registered Representatives. SM&R is located at 2450 South Shore Blvd., League City, Texas 77573, (281) 334-2469, Member FINRA , SIPC. Please note that variable products are suitable for long-term investing, such as retirement needs.

WealthQuest® III Variable Products are offered by prospectus only, which contains more complete information including all insurance fees and charges. You should also obtain prospectuses for any of the underlying investment options, which also includes more complete information on the particular investment company.Investors should consider the investment objectives, risks and charges and expenses of the investment companies carefully before investing. The prospectus contains this and other information about the investment companies and you should read it carefully before investing. To obtain a free prospectus, ask your Registered Representative, visit www.ProspectusLink.com, or call American National toll free at 800-899-6806 to request one. Products and certain benefits may not be available in all states.

WealthQuest® III Variable Annuity has been designed for today's multi-faceted investment needs, and offers features and benefits not found in many other investments. Refer to the WealthQuest® III Variable Annuity Plan Prospectus for greater detail.

American National does not currently deduct a sales charge at contract purchase. American National may deduct a surrender charge up to 7% of purchase payments withdrawn. An annual contract fee of $35 will be charged unless all of the contract accumulation value is in the fixed account, or the contract accumulation value is greater than $50,000 on the last day of a contract year.

American National charges a mortality and expense risk fee to meet death benefit obligations and to pay expenses not covered by the annual contract fee. The mortality and expense risk fee is 1.20% on an annual basis, which includes a daily administrative fee equal to 0.10% of the contract's daily accumulation value on an annual basis. American National will charge a higher mortality risk fee if an Enhanced Death Benefit Rider is chosen. American National may make additional charges for premium taxes when incurred.

WealthQuest® III Variable Universal Life combines the flexibility of universal life insurance with investment options. Refer to the WealthQuest® III Variable Universal Life Plan Prospectus for greater detail.

The WealthQuest^® III Variable Universal Life Insurance Policy includes certain charges and fees in addition to the management fees and expenses associated with the portfolios offered through it. There is a premium charge of 6% of premium payments. Currently, after the first 10 contract years the premium charge is 4%. There is a monthly deduction taken from the policy's accumulation value that consists of a monthly maintenance fee of $7.50, a cost of insurance charge, a monthly fee per $1,000 of Specified Amount based upon the issue age, risk class, Death Benefit Guarantee coverage period and number of contract years the contract has been in force. A charge for any insurance riders chosen is also part of the monthly deduction. There is a daily asset charge equal to .70% annually of the average daily accumulation value of each subaccount. Currently, after the first 15 contract years the daily asset charge is 0.00%. After the first twelve free transfers per contract year, there is a transfer charge of $10 per transfer.

Expenses, cost of insurance and earnings credited to the Separate Account are all explained in greater detail in the contract. In addition, the owner will receive a detailed annual report itemizing all of the transactions during the year, including starting value, premium paid, expense charges, cost of insurance deducted, earnings credited to the Separate Account, partial withdrawals or loans, and ending balance.

Copyright 2007, American National Insurance Company and American National Property and Casualty Companies. All Rights Reserved. No part of this website may be duplicated without written permission from American National Corporate Compliance.

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent. All products, coverages, and options are not available in all states, and eligibility guidelines apply. ANPAC reserves the right to discontinue programs at any time.

Products and services may not be available in all states and eligibility requirements will apply. Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten in American National Property and Casualty Company (ANPAC®), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property and Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company (Texas residents); American National County Mutual Insurance Company (serviced by ANPAC). Life insurance products are issued through American National Insurance Company, Galveston, Texas.

Products and services referenced in this website are provided through multiple companies.  Each company has financial responsibility only for its own products and services and is not responsible for the products and services provided by the other companies

American National Property and Casualty Company is a subsidiary of American National Insurance Company, Galveston, TX.

Securities products and services are offered through:
Securities Management and Research, Inc. (SM&R), Member FINRA , SIPC, a broker-dealer subsidiary of American National Insurance Company.