1. American National Health Division
For authorized use only. Not for public use.

2. Product Portfolio Worksite availability for Health and Life
Medicare Supplement
Short Term Recovery Care
Cancer
Accident
Hospital Indemnity
Critical Illness
Limited Medical
Short Term Limited Medical
Final Expense Life
Term Life
Worksite availability for Health and Life
For authorized use only. Not for public use.
American National Health Division

3. American National Health Division
For authorized agent use only. Not for public use.
American National Health Division

4. Product Overview
RecoveryCare II is a short-term nursing facility insurance solution that assists with the financial
impact of paying for short-term convalescent care needs.
Issue Age: 50-79
Daily Benefit Amount: $50 - $300
Benefit Period: 180, 270 or 360 days
Elimination Period: 0 or 20 days
Available Riders:
5% Compound Inflation
5% Simple Inflation
Home Health Care
Available Discounts:
Preferred Underwriting 20%
Spousal Discount 10%
List Bill 5%
For authorized agent use only. Not for public use.
American National Health Division

5. Built in Benefits Restoration of Benefits
Full benefits will be restored if less than Lifetime Maximum Benefit is used for any one stay, up to 2 times the Maximum Benefit. – Available on 180 day Benefit Period Only in TX
Bed Reservation Benefits
If a client is receiving care in a Skilled Nursing or Assisted Living Facility and has to be hospitalized, the Company will continue to pay the Skilled Nursing or Assisted Living Facility to reserve accommodations in the facility for up to 21 days per calendar year.
Waiver of Premium
Once benefits become payable, premiums will not be required to continue coverage. Premium payments will resume upon discharge from the Skilled Nursing or Assisted Living Facility unless the Lifetime Maximum Benefit is paid out.
For authorized agent use only. Not for public use.
American National Health Division

6. Available Riders Home Health Care
This rider will pay up 75% of the Nursing Facility Daily Benefit for expenses incurred for services of a Home Health Care provider. There is no elimination period and benefits will be paid for a maximum of 90 days.
After 90 days of benefits, the Rider will terminate. – Not available in PA, MD and RI.
Simple Inflation
On the first anniversary date of this Rider and on each subsequent Policy anniversary date, we will automatically increase the Maximum Daily Benefit amounts (for Nursing Facility Care, Assisted Living Facility Care and Home Health Care (if elected)). The automatic annual increase will be equal to 5% of the initial Maximum Daily Benefit amounts shown in the Schedule of Benefits and the date of Policy issue. Annual Increases will not be compounded. After 20 years, the amount will remain level at 200% of the original amount issued.
Compound Inflation
On the first anniversary date of this Rider and on each subsequent Policy anniversary date, we will automatically increase the Maximum Daily Benefit amounts (for Nursing Facility Care, Assisted Living Facility Care and Home Health Care (if elected)). The automatic annual increase will be equal to 5% of the Maximum Daily Benefit in effect on the most recent anniversary.
*American National Health Division representatives are not authorized to give tax advice and any tax questions should be verified with a tax professional.
For authorized agent use only. Not for public use.
American National Health Division

7. Sales Ideas: Affordable Alternative to Long-Term Care
A Complement to Long-Term Care Coverage
For authorized agent use only. Not for public use.
American National Health Division

8. Underwriting/General Information:
Yes/no application with a follow-up underwriting phone interview
NEW Point of Sale Interviews Available
Preferred Option Available – See Underwriting Guide
To enact benefits, the insured must be unable to perform at least 2 ADLS or deemed a medical necessity by a doctor
Claims can be filed directly with company for direct payment or insured may assign benefits to the facility
Special Note: ID, MD, PA and RI are filed as an association. Applicants must be a member of the National Consumer’s Advantage Association (NCAA)
*American National Health Division representatives are not authorized to give tax advice and any tax questions should be verified with a tax professional.
For authorized agent use only. Not for public use.
American National Health Division

9. Sample Rate: TX Female 55 years old $150 Daily Benefit
360 Lifetime Maximum Benefit
0 Elimination Period
Home Health Care
Total Monthly Premium:
$29.30
Rate Calculator Now Available!
*American National Health Division representatives are not authorized to give tax advice and any tax questions should be verified with a tax professional.
For authorized agent use only. Not for public use.
American National Health Division

10. Convenient Phone Enrollment.
Are you looking for an easier way to process your applications?
High fuel prices leaving you prospect-less?
Does all the paperwork bog you down?
Tired of having to fax, mail, or overnight the applications to the carrier?
Special Notes:
Life Applications - Not available in California (over age 65), Connecticut, Illinois, Pennsylvania or Washington. For Florida residents, the Agent must remain on the call and ask the client the questions in the application.
Health Applications - Not available in California (Medicare Supplement only) Illinois or New Mexico.
How about a Telephone Application Process?
You no longer have to see your clients to complete a sale.
For authorized use only. Not for public use.
American National Health Division

11. Scanit Faster issue means faster commissions!
Scan your applications directly into our system for faster processing!
Avoid mail delays
Legible copies compared to faxes
Automatic policy confirmation
Upload additional documents
New Features
Drag and Drop Files
Track Downloads
Faster issue means faster commissions!
Export Download Files
For authorized use only. Not for public use.
American National Health Division

12. Bonus Lead Program Lead Choices:
1,000 piece Direct Lead Mailing
5,000 name Consumer Prospect List
Telemarketing leads for Limited Medical Insurance, Medicare Supplement or Final Expense
E&O coverage through NAPA.
$340 cash reimbursement with proof of lead purchase
$300 cash bonus with no proof of lead purchase
No limit on how many times you qualify for this program!
* See Lead Program memo for more details on qualifications
For authorized use only. Not for public use.
American National Health Division

13. Bonus Lead Program Lead Credit Qualifications:
Medicare Supplement: 10 issued and paid applications*
Life Insurance: Produce only $4,000 of Standard Life issued and paid annualized life premium*
Combined Premium: Produce only $5,000 (Individual Limited Medical and Short Term Limited Medical count at 50%) of combined issued and paid annualized premium, which includes any combination*
No limit on how many times you qualify for this program!
* See Lead Program memo for more details on qualifications
For authorized use only. Not for public use.
American National Health Division

14. Why We’re Different: Personalized Marketing Support
Toll-free, Monday – Friday, 8:00 am – 4:30 pm, CST
Website Access (
Online reports and forms available 24/7
Application Submission
ExpertApp (ANTEX/Life only), Scanit, Telephone, or Fax – quicker processing time
Draft Premium, including initial
All payment modes from checking or savings account Credit card payments for health only
Advances
Advances vary from 5 to 12 months depending on product and premium mode
Full menu of Health and Life products including Worksite
For authorized use only. Not for public use.
American National Health Division

15. 888.290.1085 Standard.Marketing@americannational.com
For further information, please contact a
Marketing Representative at
us at
We look forward to hearing from you.
For authorized use only. Not for public use.
American National Health Division