American National Insurance Company was founded in 1905 and has evolved into a well-respected

member of the life insurance industry, offering both longevity and stability to its policyholders.
Founder William L. Moody, Jr.envisioned a company that operated on the core ideals of “strong
management, prudent investment and financial strength” – a company so fundamentally solid that it would
still be in operation 500 years into the future. And, after more than a century in business, American
National is every bit as strong and prosperous as Mr. Moody envisioned.

American National offers a broad variety of life insurance, retirement annuities, accident and health
insurance, pension plan products and services, credit insurance, and property/casualty insurance for
personal lines, agribusiness and targeted commercial exposures. Products are distributed through career
agents, independent marketing organizations and multiple line exclusive agents as well as direct
distribution channels.
Headquartered in Galveston, Texas, American National has more than 3,000 employees in offices in
Galveston and League City, Texas; Springfield, Missouri; and Glenmont, New York. American National's
network of agents stretches across all 50 states and Puerto Rico, and provides service to more than 5
million policyholders.

Affiliated Companies
American National Insurance Company is the parent of the American National family of companies,
collectively referred to as American National. Through the family of companies, American National offers
life insurance products, annuities, property and casualty insurance, and other financial products and
services.
American National conducts business in all 50 states and Puerto Rico. Unless otherwise indicated, the
products and services are available in the United States only, and not all products or services are available
in all states. Only American National Life Insurance Company of New York, Garden State Life Insurance
Company and the Farm Family companies are authorized to do business in the state of New York.
American National Life Insurance Company of New York

Business Insurance
Insurance coverage to protect your specific needs
Running a business involves a significant investment. Our business insurance can protect your investment
from risks associated with unexpected events such as an injured employee, a lawsuit, a vehicle accident or
even a natural disaster. We work hard to help you cover most aspects of your business and offer coverages
that expand your level of protection, including:

 Damage to Property: Protects your tools, equipment, buildings and other valuable assets from
covered natural disasters, theft and other damages
 Liability: Helps pay for costs to defend and settle a variety of claims against your business
including bodily injury, property damage and personal injury
 Lost Business Income and Extra Expenses: Helps replace business income lost and can cover
extra expenses you incur to get back in business (up to 12 months and up to the limits you select)
 Commercial Auto: Helps pay for claims resulting from accidents whether it is you or an
employee driving a company vehicle
 Worker’s Compensation Insurance: Helps replace lost wages and pay for medical treatment if
an employee suffers a work-related injury (not available in all states)
 Commercial Umbrella: Essentially, this coverage picks up where your business auto liability or
general liability coverage stops, providing extra protection against bodily injury and/or property
damage.

 Health
 The cost of being sick or injured doesn’t necessarily end with the hospital’s bill. Additional
expenses that are not covered by most medical plans can quickly add up. Health insurance was
developed specifically for financial protection against loss due to sickness or bodily injury and the
unexpected out-of-pocket expenses that can blindside even the most careful planner.
 American National offers health insurance plans that cover a wide range of necessities, such as
supplemental health plans that offer specified coverage. Some are indemnity policies that pay cash
benefits for covered incidents and can work in conjunction with your personal medical insurance
plan.



 Medicare Supplement Insurance

 Covering the costs that Medicare does not



 Supplemental Health Insurance

 Additional coverage, just where you need it



 Credit Disability Insurance

 Paying down debt when you can't



 Employer Stop Loss

 Protecting employers from catastrophi


 About Allstate
 WE ARE THE G OOD H AND S .
 The Allstate Corporation is the largest publicly held personal lines property
and casualty insurer in America, serving more than 16 million households
nationwide. Founded in 1931, Allstate has been dedicated to protecting our
customers from life's uncertainties and preparing them for the future for
more than 85 years.

 Allstate became a publicly traded company in 1993, and is listed on the New
York Stock Exchange under the trading symbol ALL. As of year-end 2015,
Allstate had nearly $104.7 billion in total assets.

 ALLS T ATE AT A G L ANCE .

 Explore the company overview to get to know more about the company
that has been protecting people and the things most important to them for
more than 85 years.

 DIS COVE R THE AG ENT D IFFE RE NCE .

 What sets Allstate apart from other insurers is our local agents—they are
your neighbors, living and working in the communities they serve.

 LE ARN ABO UT DIV ERSI T Y AT ALLS T ATE .

 Inclusive diversity is a core value and strategy of the Allstate organization.
Learn how this helps improve the way we work and serve customers.

 WO RK W ITH ALLS T ATE .

 Learn more about the Allstate Corporation's procurement and sourcing
process and how you can start doing business with Allstate.

 E XP LO RE ALLS TATE ' S ADV E RTISING & SP ONSO R SHIP S.

 Watch the latest Mayhem commercials and see how Allstate is
strengthening the Good Hands brand through advertising and
sponsorships.

 LE ARN MO RE AB O UT ALL S T ATE .

 From supporting local communities to reporting important financial
information, Allstate has many websites that can help you learn more about
the company.
PRIVATE COMPANY IN AMERICA
UNITEDHEALTH CARE
SafeTrip International Travel Protection
From a name you trust.

Would you know what to do if you got sick in another country? How would you find a
qualified doctor or hospital? And, what about asking for help in another
language? SafeTrip(Opens a new window) travel protection, available through
UnitedHealthcare Global, may make a big difference in helping you feel secure when you’re
traveling abroad. Most domestic / employer sponsored health plans don’t provide coverage
or assistance while traveling over-seas – make sure you have the protection you need for the
trip you want.
Understand the advantages of international travel medical insurance and travel assistance
services

 SafeTrip travel protection plans link you with the UnitedHealthcare Global Emergency
Response Center to help you find a pre-screened, quality medical provider.
 Typically, you would have to pay up front at the time of service in another country. Travel
medical insurance is designed to help with these costs at the time of service.
 In addition to other travel assistance services, you can get help arranging the best method of
evacuation or transport for your condition, as well as help making travel arrangements for
your family.
 From a lost or stolen passport, to facilitating an emergency funds transfer, to a referral if you
need legal help, the UnitedHealthcare Global Emergency Response Center can assist you.
Learn more about international travel insurance and assistance offered through UnitedHea

Vision Insurance Plans

See what UnitedHealthcare vision insurance has to offer

Vision insurance is designed to help you cover and budget for ongoing vision care expenses
like routine eye exams, prescription glasses and contact lenses.
Are you looking for vision insurance, or eye insurance? UnitedHealthcare offers vision plans
underwritten by Golden Rule Insurance Company that feature:

 Coverage for people of all ages

 No waiting periods
 Saving through a national network of vision service and eyewear providers
 Freedom to go out of network and still get benefits if you pay the difference between your
plan allowance and your final cost

 Health Insurance for Small Business

 UnitedHealthcare can help you build a healthy
business
 Your employees are your greatest investment. And health insurance is a critical factor
in retaining and recruiting employees, as well as maintaining productivity and
satisfaction.

 Offering the "right" health insurance plan is one of the most important decisions you
can make as a small business owner – keeping employees happy and healthy benefits
you in the long run. But making sense of the complex health care system has become
increasingly difficult for employers, especially small businesses.

 UnitedHealthcare can help

 Our plans help you save money on health care costs and keep your employees
informed, healthy and happy. And healthier employees mean a healthier bottom line.
Our plans also are efficient to manage, so you can focus on what you do best –
running your business.

Dental Insurance Plans

Fill out your health coverage

Dental insurance is designed to offer you coverage for common dental care issues and to help
you budget for dental services at all levels, preventive, basic and major.

UnitedHealthcare has dental insurance plans, underwritten by Golden Rule Insurance

Company, that are just right for helping you fill out your health care coverage.
View Plans(Opens a new window)
Flexible and convenient

From our plans, you can choose the best dental insurance for your needs featuring:

 Preventive care like routine cleanings and fluoride treatments covered with NO deductible
or waiting period
 Coverage for basic services like fillings or emergency treatment for dental pain and major
services like retainers and root canals, which are subject to the plan’s deductible and waiting
periods
 Access to an extensive dental network of more than 182,000 dentists1
 No need to submit claim forms. We pay in-network dentists directly
And with no age restrictions, our plans offer coverage for every member of your family and
every stage of life. That includes if you are on Medicare, which doesn’t include dental
benefits.

Worried about affordable dental insurance

The cost of not taking care of your oral health could be more. Those without individual dental
coverage are less likely to get routine dental care, meaning they seek out a dentist only when
they have a problem. By then, more extensive and more expensive measures may be
necessary, and major problems linked to poor oral health (like heart disease and diabetes) are
more likely to appear.2 Doing nothing now means you might pay more later.

We have multiple plans with different levels of benefits to help you find the best dental
insurance fit for your budget.3 So if you’ve ever bought a gym membership or a treadmill to
help remind you to take care of yourself, supplemental dental insurance from
UnitedHealthcare can be that reminder to take care of your teeth. Even better, it can help you
plan, control and budget for the costs of your dental care.

Petroleum Maintenance Company

A national petroleum maintenance company was looking to
expand their operation internationally. They came to
Insurance Advisernet Townsville seeking a review of their
existing business insurance package and guidance as to
whether or not it could potentially provide adequate cover
offshore. We set about conducting a thorough evaluation of
their existing business insurance policies.

Upon review, we uncovered two potential problems. Firstly,

their Professional Liability insurance did not provide cover
for work undertaken at petrochemical plants, which posed a
significant risk exposure given that a large part of their work
was undertaken at such plants. Secondly, their existing
Professional Liability cover did not offer protection outside
of Australia.

An in-depth investigation revealed further holes in their

business insurance program, which made no provision for
theft or business interruption. Considering the value of their
operation, it was also our belief that they were significantly
under insured.

We recommended a restructure of their business insurance

package to rectify the deficiencies outlined above. We also
introduced a new insurer who was able to offer lower
premiums. From the client’s perspective, our most
significant contribution was to secure insurance for their
expansion overseas. The client reported a renewed sense
of confidence that they were adequately insured for
business operations both at home and abroad.

Effective risk management is so much more than

implementing insurance policies. We offer a complete service
that involves consulting, research, recommendation and
representation to provide you with appropriate and value for
money insurance cover, both personally and for your
business.
We strive to make what can be complex, simple.

Our tenure and experience helps us identify and reduce the

potential for contract issues and claim disputes. Through
extensive research, we offer tailored advice about:

 Why a particular policy or benefit is most appropriate for

you;
 Potential issues associated with an insurance policy;
 What is, and more importantly, what is not, covered in the
insurance policies;
 Risk management for meeting compliance and industry
regulations;
 Potential personal or business risk’s; and
 Appropriate structures for insurance policy ownership for
your business, and tax implications associated with specific
insurance policy recommendations.
It is when our clients are the most vulnerable that we offer the
most assistance. Our aim is get claims quickly and efficiently for
your payment of your full entitlement so that you can get back to
business sooner. Our claims management process includes:

 Managing all contact and negotiation with the insurer;

 Providing you with a clear explanation of the claims process;
  Preparing relevant insurance claim documentation;
 Removing the administrative of the claim burden by assisting
to overcome delays and;
 Mediating any disputes.
Insurance Advisernet Townsville supports our local community
and causes that are important to our clients and colleagues. We
are proud supporters of MATES in Construction and the North
Queensland Convoy for Camp Quality.

About Us
 Overview
 Our Team
 Our Partners
 Case Studies

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Engineering Firm
A Queensland-based engineering firm was experiencing a period
of growth and had begun to perform contract work in Papua New
Guinea (PNG). As part of their existing employment package,
staff members had been given Queensland Workers’
Compensation cover. Their employer came to Insurance
Advisernet Townsville, concerned that staff members may not
have been adequately insured for their work in PNG.

After reviewing the existing policies, we concluded that their

established cover provided no protection for work undertaken
outside of Australia. We sourced a loss of income insurance
program that offered international cover. The weekly level of
protection on offer exceeded that of their Queensland counterpart.
 Further, we tailored the new insurance package to include a
medical evacuation program. In the event of a workplace injury
whilst in PNG, workers would be entitled to be transported to an
Australian hospital to receive treatment, rather than remaining in
PNG and waiting for medical attention.

General Insurance
 Overview
 Property Insurance
 Industry Specific Insurance Advice
 Liability Insurance
 Motor Vehicle Insurance
 Case Studies

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