Services, Rewards and Discounts Available

ANPAC Five Star Claim ServiceSM

With ANPAC Five Star Claim ServiceSM you can be sure that your premium dollars will buy the protection you need and the prompt, courteous service that you deserve. If you've suffered a loss, whether it's from a minor fender-bender or a major house fire, the last thing you need to worry about is unnecessary delays or conflict with your insurance company.

ANPAC Five Star Claim ServiceSM is designed to provide assurance and confidence throughout the claims process. Our focus is on what you need and when you need it.


Benefits Xpress Employee ServicesSM

Benefits Xpress works to help you discover a secure financial future while you work. Employees now have the opportunity to coordinate their home, auto, life insurance and related needs with only one professional agent. Employers can make this possible by participating in American National's exciting Benefits Xpress Employee ServicesSM program. It's a convenient, time-saving service employees appreciate with no added costs for employers.



The rewards are yours with an excellent claims-free record. Our CA$HBACK FROM ANPAC® program rewards you by refunding a portion of your combined auto and homeowner premiums. Simply remain CLAIM-FREE for three consecutive years from your CA$HBACK anniversary date, on both your auto and homeowner policies, and you'll receive a check for 25% of your combined FIRST-YEAR PREMIUMS! See for more details.


GAP Coverage

There's a GAP in your vehicle insurance that could cost you thousands. This is a relatively new phenomenon and is actually caused by fierce competition. With more offers of low-down or no-down payments when buying or leasing a vehicle, you have little or no initial equity in the vehicle. After the vehicle is purchased, the value decreases substantially. Unfortunately, the vehicle's value may be less than what you owe on your loan. Hence the "gap."

GAP coverage provides protection against a financial gap when a vehicle is wrecked or stolen resulting in a total loss, up to $10,000. It's a small price to pay for peace of mind.


Common Cause of Loss Deductible

With an uncommon insurance company like ANPAC®, you can depend on our unique Common Cause of Loss Deductible. It saves our clients hundreds of dollars in deductibles from a common occurrence, such as a fire, hailstorm, tornado or hurricane. With this unique money-saving feature, you pay only one deductible per occurrence regardless of the number of items of property damaged or destroyed.


Easy Pay - The Checkless Way®

Now there's an easier way to pay your insurance premiums. ANPAC® offers you the option of paying your auto and home premiums automatically each month from your checking or savings account. There is no ANPAC® service charge if you choose this option.


TLC Tri-Line Coverage Discount From ANPACSM

We appreciate your business and want to reward you with a little TLC. Get Tender Loving Care from American National when you choose our Tri-Line Coverage. Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.


PAC+ (Preferred Automobile Customer Plus) Discount

Being continuously insured is rewarded. Three - five years receives a 10-25% discount, AND, 6 or more years receives 15-25% discount. In addition to the discounts available with PAC, financially responsible insureds can receive even more benefits with up to 36% of additional discounts available.


Motorcycle Rider Discount

Clients who are a member of an eligible orgainzation will receive a discount on Bodily Injury Liability, Property Damage Liability, Medical Payments, and Collision coverage premiums.


Good Student Discount

ANPAC® rewards students who rank among the upper 20% of their class, achieve a "B" average, who are on a Dean's List or Honor Roll, or who rank in the upper 20% of eligible national standardized tests.


UL Roof Discount

Minimize damage to your home by installing Underwriters Lab rated (UL 2218) roofing material. To receive these ratings, products must undergo laboratory testing that simulates hailstones falling at peak velocity. Over 100 manufacturers now offer UL rated roofing materials for you to choose from. Check with your local contractor to find out which products are available in your area. The discount that ANPAC® offers on these roofing systems varies with the level of the rating and by state. Contact us for more details.

Contact us for more information on all of the products listed above.


All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site 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.

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 and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.