This site contains electronic prospectuses that explain, in detail, American National's variable products, including all insurance fees and charges. Variable products are securities products registered with the U.S. Securities and Exchange Commission, and are sold by prospectus only. All investors are advised to consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. This and other important information about the investment company is contained in the prospectus. It should be read carefully before investing.
     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of return are not guaranteed and will fluctuate, and shares may be worth more or less than their original cost when withdrawn. The death benefit guarantee is subject to the claims-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. Your SM&R Registered Representative is required to provide this information to you before engaging in the discussion of any sale of variable products. Products and certain benefits may not be available in all states.
      American National's variable products feature a variety of investment options, from some of America's most well-known and respected money management companies. Information regarding the participating money management companies and their investment options can be accessed by clicking on "Return to Prospectus Link Investment Options" at the top of the Investment Options page.
      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 American National may deduct a surrender charge up to 7% of purchase payments withdrawn.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 Group Unallocated 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 Group Unallocated Variable Annuity Plan Prospectus for greater detail. This investment is a group annuity which is not available to individual investors.
      American National does not currently deduct a sales charge at contract purchase. American National may deduct a surrender charge up to 7% of accumulation value withdrawn.
      American National charges a mortaility and expense risk fee to meet death benefit obligations and to pay expenses. The mortality and expense risk fee is .35% on an annual basis. In addition, an administrative fee is assessed. The administrative fee is applied to the accumulation value and ranges from a maximum of .90% to .00% depending upon the amount of the accumulation value. 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.
      Premium payments will be reduced by a premium charge not to exceed 6%. The monthly charge deducted from the contract's accumuluation value that consists of a monthly maintenance fee of $7.50, a cost of insurance charge, a monthly expense charge per $1,000 of Specified Amount based upon the issue age, risk class and Death Benefit Guarantee coverage period and a charge for any insurance riders chosen. 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%. The cost of rider(s) will be a rate per $1,000 of specified amount. The surrender charge is applicable for 15 years, and 15 years from the effective date of any increase in specified amount.
      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.
      American National is committed to providing all you need to make an informed financial decision. We think this method of delivering financial services information will allow us to enhance that commitment. However, you may request paper copies of these prospectuses from your Registered Representative or call (800) 772-2372.
      American National's variable products are issued by American National Insurance Company, One Moody Plaza, Galveston, Texas 77550-7999, (409) 763-4661.
      American National's variable products are offered through and distributed by Securities Management and Research, Inc. (SM&R), 701 Tama Street, Building B, P. O. Box 868, Marion, Iowa 52302-0868, 800-526-8346. Member FINRA, SIPC. SM&R is not affiliated with American National Insurance Company.