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Bryner Insurance Ridgeville, OH

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Life & Health Insurance, Annuities
Auto, Boat, Motorcycle, RV Insurance
Homeowners Insurance
Commercial Insurance
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WHAT KIND OF LIFE INSURANCE

There are two basic types of life insurance: term and permanent. Each should be considered carefully to determine which best fits your individual needs.

Advantages
of Term
Advantages
of Permanent
  • Lower cost protection in early years
  • Customized for coverage to last for a specific number of years
  • The option to exchange the policy for permanent coverage without having to show evidence of good health
  • Lower cost in later years
  • Permanent protection
  • Level premiums
  • Accumulation of cash for emergencies, college education, retirement supplement
  • Tax-deferred wealth accumulation
  • Tax-free income distribution
  • Flexibility
  • Coverage without paying premiums by using various options

  • Disadvantages
    of Term
    Disadvantages
    of Permanent
  • Higher cost protection in later years
  • Increasing premiums
  • No equity or cash value savings
  • Failure to pay premiums ends coverage
  • Higher initial cost
  • Future dividends and current interest rates not guaranteed
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    Representing

    American National Insurance Company American National Property and Casualty Company
    American National Insurance Company, Galveston, TX
    American National Property and Casualty Company, Springfield, MO


    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. American National Family of Companies reserves the right to discontinue programs at any time.

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