Products

GAP

GAP helps close the financial gap when primary insurance carrier payouts leave customers stranded with an additional loan balance.

GAP provides protection in the event of a constructive total loss or unrecovered theft of the collateral. GAP may cover/waive the difference between the primary insurance settlement and the net outstanding balance on the customer’s collateral on the date of loss.

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Credit Life Insurance

Credit Life Insurance provides financial protection and brings comfort to consumers and their loved ones when life’s unexpected events occur such as loss of life.

Credit Life Insurance provides a death benefit to pay off or reduce the debt obligation in the event of an insured’s death during the term of coverage.

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Credit Disability Insurance

Credit Disability Insurance provides financial protection when an insured becomes totally disabled.

Credit Disability Insurance provides benefit payments to the lender while the insured is totally disabled as a result of a covered sickness or injury during the term of coverage.

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Debt Cancellation

Debt Cancellation provides financial protection when a covered specified event impairs the consumer’s ability to repay his or her loan.

Debt Cancellation is a two-party agreement between a lender and a consumer under which the lender agrees to waive all or a portion of the debt when a specified protected event occurs.

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Collateral Protection Insurance

Collateral Protection Insurance protects the lender’s interest when the consumer fails to provide the required insurance.

Collateral Protection Insurance is coverage purchased by the lender after the effective date of the loan and charged to the consumer’s loan when the consumer fails to maintain the required coverage. Collateral Protect Insurance provides physical damage coverage against loss or damage that would impair the lender’s interest in the collateral.

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Vendor's Single Interest Insurance

Vendor’s Single Interest Insurance provides protection only for the lender’s interest in the collateral.

Vendor’s Single Interest Insurance is physical damage coverage purchased by the consumer at the inception of the loan, which protects only the lender’s interest in the collateral.

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Credit Property Insurance

Credit Property Insurance provides protection against fire and extended coverage on personal property.

Credit Property Insurance protects both the lender and consumer’s interest in the event of a covered loss and typically coverage provides repair or replacement of the damaged or lost property.

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Involuntary Unemployment Insurance

Credit Involuntary Unemployment Insurance provides payment in the event the consumer becomes involuntarily unemployed.

Credit Involuntary Unemployment Insurance pays a benefit for a specified critical period in the event an insured becomes involuntarily unemployed during the term of coverage.

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Accidental Death & Dismemberment Insurance

Accidental Death and Dismemberment Insurance provides payment in the event of death or dismemberment as a result of an accident.

Accidental Death and Dismemberment Insurance pays a specified amount when the insured dies, loses sight, or loses limbs as the result of an accident.

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Credit Insurance products are offered by the Credit Insurance Division of American National Insurance Company and are issued through American National Insurance Company, Galveston, Texas; American National Property And Casualty Company, Springfield, Missouri; American National General Insurance Company, Springfield, Missouri; American National Lloyds Insurance Company, Galveston, Texas; American National County Mutual Insurance Company, Galveston, Texas; and ANPAC Louisiana Insurance Company, Mandeville, Louisiana. Services are also provided by American National Administrators, Inc., Galveston, Texas.

The issuing company has financial responsibility only for its own products and is not responsible for the products issued or provided by the other companies. Not all products and services are available in all states, and eligibility requirements apply.