American National Property And Casualty Company

ANPAC® is a property and casualty insurance company with its home office located in Springfield, Missouri, and is a subsidiary of American National Insurance Company (ANICO) of Galveston, Texas. ANICO is a life and health insurance company that has been in business since 1905.

Assessment on 2nd appointment

Date of Second Appointment

  • What have you done to protect your loved one in the event of a death? I would like to take 5 minutes to educate you on life insurance the right way. Looking at the Insurance-Income Ratio chart, what is the monthly income that you would need for your standards of living? How much are you willing to spend for proper life insurance?
  • With regards to life insurance, we offer low cost term-insurance. Term insurance is like “renting an apartment” and would fill an immediate need. This is the main purpose for life insurance.
  • Permanent insurance is like buying a house, and the reason people purchase it is because it  lasts longer than term insurance. When it’s funded right it will build cash value as an additional benefit.


  • Would you consider this a good value at a reasonable price?  Great!
  • Let's go ahead and take the process through to see if you will be approved by our company.  How would like to pay your premium, through bank draft or annual payments?
  • I really appreciate you giving me the opportunity from your busy schedule to meet with me to help you with your insurance needs.  If you are pleased with my service as you mentioned, would you feel comfortable to refer me to your acquaintances?
  • I will contact you once a year to review your coverage and bring you up to date.