About American National Insurance Company

Chartered in 1905, American National Insurance Company has evolved into an industry leader, ranking among the larger life insurance companies in the United States.

Today, the company provides personalized service to more than 2.9 million policyholders throughout 49 states, the District of Columbia, Guam, American Samoa and Puerto Rico.

Directly and through its subsidiaries and business relationships, American National offers a broad line of insurance coverages, including individual and group life, health, individual disability*, personal lines property and casualty and credit insurance.

To learn more about American National Insurance Company and the products we offer, please visit the Home Office web site at www.anico.com.

American National Insurance Company's home office is in Galveston, Texas.

*Underwritten by Illinois Mutual Life Insurance Company.

Financial Strength Ratings

American National Insurance Company ("American National") has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies. The ratings are current as of April 2006.

A.M. Best -- A+ (Superior) -- 2nd highest of 13 active company ratings ¹

"A superior ability to meet their ongoing obligations to policyholders"

Standard & Poor's -- AA (Very Strong) -- 3rd highest of 20 active company ratings ²

"Very strong financial security characteristics, differing only slightly from those rated higher"

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer's current or future ability to meet its contractual obligations.

Ratings may be changed, suspended, or withdrawn at any time. For the most current ratings view the full rating reports on American National's website @ www.anico.com.

¹ A.M. Best's active company rating scale is: A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), B++ (Very Good), B+ (Very Good), B (Adequate), B- (Adequate), C++ (Fair), C+ (Fair), C (Marginal), C- (Marginal), and D (Poor)

² Standard and Poor's active company rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak). Plus (+) or minus (-) modifiers show the relative standing within the categories from AA to CCC.

About American National Property and Casualty Company

American National Property and Casualty Company (ANPAC) was established in 1973. ANPAC, along with it's parent, American National Insurance Company, offers multiple line insurance products in 32 states, and has approximately 1,400 insurance agents selling American National products exclusively.

To learn more about American National Property and Casualty Company and the products we offer, please visit the Home Office web site at www.anpac.com.

Ratings

These ratings are provided to you so that you may make a comparison of ANPAC^® to other companies. They are not provided as a recommendation to purchase a specific product. Visit Standard and Poor's or A.M. Best's website for more information.

A.M Best's Rating: A+ (Superior)

Effective August 5, 2004, American National Property and Casualty Company has received an A+ (Superior) Rating. This increase in rating applies to our entire group of companies.

To put this rating into perspective, only 53.1% of the property and casualty insurance groups in the United States have received a letter rating. Of the 53.1% that have received a letter rating, 12.3% have a rating of A++ or A+, 22.3% have an A rating and 65.4% have a rating below an A. This places us among the best companies in our industry.

Best's Ratings reflect a clear, concise, and timely opinion of an insurer's financial security and ability to meet its policyholder obligations in the future. Best's Ratings are based on a comprehensive evaluation of a company's financial strength, operating performance, and market profile.

American National Property and Casualty Company is committed to staying financially strong, so that we are not only there for you today and tomorrow, but also for many years to come.

We have many insurance products and services your American National Property and Casualty Company personal sales representative can offer you, which include: auto, home, umbrella, recreational vehicles, CHROME®, boats, business owners, rental owners, and flood insurance (from the National Flood Program).

To learn more about A.M. Best's Ratings, visit their web site at www.ambest.com.

Standard and Poor’s Rating: AA (Very Strong)

Effective August 4, 2004, the prestigious financial rating organization, Standard and Poor's, gives ANPAC® a AA (Very Strong) Rating.

To learn more about Standard and Poor's Ratings, visit their web site at www.standardandpoors.com.