Property & Casualty

Q. How do I obtain an insurance proposal from your company?

Please contact one of our associates at 304-725-6090.

Q. Do I get a discount for having my home and auto insured with you?

Yes, when you purchase a term or permanent life insurance policy in addition to your home and auto policies, American National will give you a Three Line Discount. No hoops to jump through, just up to 10% off your auto and home annual premiums.

Q. Do you write state minimum limits on your auto insurance policies?

No, we do not believe this is in the best interest of our clients.  Our agency believes in insuring our clients so that they are not caught in a situation where they are paying for someone’s funeral or automobile out of pocket, therefore we do not write state minimums.  We recommend higher amounts than the current state limits.

Q. Can I pay my bill monthly?

Yes! You can pay all of your insurance needs monthly by choosing to have your premium automatically withdrawn from your checking or savings account.  

Q. Can I pay my bill online or use a credit card?

Yes! Credit card payments can be made by calling our office at 304-725-6090 or by accessing your account online or through the American National App (to download the app, click here).

Q. If I live in VA and buy a house or investment property in WV or MD can your agency insure all of my properties?

ABSOLUTELY!  All of our agents are licensed in WV, MD, VA, and PA.  You invest your money into your property we can help you insure it!

Q. Can you insure my farm or business?

Yes! We insure farms including pick your own, country estates, businesses, contractors, etc. to all qualified clients.

Q. What is loss of use coverage?

Loss of Use coverage is when you have a claim and you are unable to live in the home while it is being reconstructed or repaired. We will pay for you to rent another home or pay for your hotel/motel until you are able to move back into your home.

Q. Do I have to have uninsured and underinsured motorist coverage on my auto policy? What is the difference?

It is a state law to have UNinsured motorist coverage however, you do not have to carry UNDERinsured motorist coverage.  

Uninsured motorist coverage is if the other driver that hits you and injures you and/or your passengers and damages your vehicle DOES NOT have any automobile insurance.  Underinsured motorist coverage is if the other driver that hits you does not have enough coverage to take care of you or your passenger’s bodily injury as a result of the accident.  It also would help cover your vehicle if the at-fault driver does not have enough to pay for the replacement of your vehicle.

Q. How do I make changes to my Personal Insurance policy like adding or removing a car or a driver?

Please contact one of our associates at 304-725-6090.  After hours, please call the Client Service Center at 866-831-5225.    

Q. What do I do if I haven't received my new auto insurance cards in the mail?

Please contact one of our associates at 304-725-6090.  After hours, please call the Client Service Center at 866-831-5225.  This information can also be found in your online account or American National App (to download the app, click here).

Q. How can I reinstate a lapsed policy?

Please direct reinstatement inquires to one of our associates at 304-725-6090.  After hours, please call the Client Service Center at 866-831-5225. Reinstatement requires the completion of an Application for Reinstatement and the payment of any missed or past due premium(s).  

Q. How do I change my personal information (i.e., address, phone number, email)?

Please contact one of our associates at 304-725-6090.  After hours, please call the Client Service Center at 866-831-5225.  Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Q. Who do I contact if I have a question on my premium billing notice?

For billing inquiries, you can contact one of our associates at 304-725-6090.  After hours, please call the Client Service Center at 866-831-5225. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Life & Annuities

Q. Why do I need life insurance?

Life insurance helps you and your family prepare for the future. Planning today offers peace of mind for the uncertainties of tomorrow. There are two basic reasons to purchase life insurance:

  • You owe someone – when you die, final expenses, family debts, and mortgage payments could be a financial burden to surviving family members.  
  • You love someone – You want to provide income continuation for your spouse, or the fund for your child’s college education.

Q. I already have life insurance at work. I’m not sure I have enough?

Your policy at work is something you will want to examine to aware of its coverage and any limitations.  Make sure that it is portable – can you take it with you if you leave your place of employment? Complete the worksheet under the next question to determine your total life insurance need.

Q. How much life insurance do I need?

The right amount of life insurance depends on your own unique situation. It is essential to not only consider current income and assets, but also your future earning power. Life insurance is a product that can address one of the most serious financial risks you face: the risk of dying too soon.  Life insurance can provide the right amount of money at just the right time. No other product will provide such a large, instant cash benefit – tax free- at the time it is needed most. Below is a worksheet to help you arrive at an accurate estimate of your needs that takes into account your debt, mortgage, income you need to replace, and college funds for your children:

 

You Owe Someone

    1. Last expenses (funeral and probate costs) $________________
    2. Current debts (auto loan, credit cards, etc.) $_______________
    3. Mortgage or rent fund (pay off house note, or cover rent payments) $____________

 

You Love Someone

    1. College education fund $_____________
    2. Income continuation for family $______________

 

Total life insurance need (1 + 2 + 3 + 4 + 5) $____________

 

    1. Existing life insurance $_____________

 

Equals Life insurance to be purchased (Need minus existing life insurance) $_____________

Q. What is the difference between whole life insurance and term life insurance?

Whole life insurance coverage serves as an excellent foundation for any life insurance program.  It is a policy with a fixed level premium. This means that when you take out the policy your premium will remain the same throughout your life.  In addition, your premium dollars will accumulate cash value that you can borrow against to help fund college costs, retirement, etc.

 

Term life insurance is like renting your life insurance policy.  Your premium will be fixed for a certain period-of-time then it will fluctuate.  You do not accrue a cash value; however, you can convert your term insurance policy to a whole life insurance later if you choose. Term insurance premiums are lower during the early years of coverage.

 

ALL LIFE INSURANCE POLICIES CARRY A TAX-FREE DEATH BENEFIT!

Q. Can I afford term life insurance?

Term life may allow you to purchase a larger death benefit for a smaller cost because you’re only paying the cost of insurance and not building cash value. However, it’s important to remember that your chances of dying prematurely are lower, and premiums for term life insurance reflect that. There are many things to consider when purchasing life insurance. One of our friendly associates can assist you with this important purchase decision. Please call us at 304-725-6090.

Q. What are the advantages of term life insurance?

There are two main types of life insurance; whole life insurance and term life insurance. Both have their advantages, but a greater cost savings is usually associated with term insurance for certain age groups. Term life primarily offers protection for something with a time constraint, like a mortgage payment. It offers coverage in the event of premature death while such payments are being made. There are many things to consider when purchasing life insurance. One of our associates can assist you with this important purchase decision by calling 304-725-6090.  

Q. Who can I name as beneficiaries?

Naming of beneficiaries is one of your most important policy ownership rights. The beneficiary is the person, persons, or entity you designate to receive the policy proceeds upon death of the insured person. Virtually any person or legal entity can be named, so selecting your beneficiary and keeping your choice up to date is very important. If you need assistance with a beneficiary designation or change, contact one of our associates at 304-725-6090.

Q. How do I change my Beneficiary?

Contact one of associates to complete the Change of Beneficiary form.  We can be reached at 304-725-6090.

Q. How can I contact a Customer Service Representative about my annuity?

To inquire about your annuity, you can obtain payment information by contacting one of associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Our Interactive Voice Response (IVR) provides automated information 24 hours, seven days a week.  Simply follow the voice prompts to receive policy values, payment details, transaction dates, etc.  You will need your policy number and the last four digits of the policy owner’s Social Security Number to access this system.

Q. How do I pay my life insurance bill?

If you have a billing notice, send your check or money order payment to the address listed on the notice. If you are unable to locate a billing notice, you can obtain payment information by contacting one of our associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Our Interactive Voice Response (IVR) provides automated information 24 hours, seven days a week.  Simply follow the voice prompts to receive policy values, payment details, transaction dates, etc.  You will need your policy number and the last four digits of the policy owner’s Social Security Number to access this system.

Q. How do I get information about my policy values?

You can obtain policy information by contacting one of our associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Our Interactive Voice Response (IVR) provides automated information 24 hours, seven days a week.  Simply follow the voice prompts to receive policy values, payment details, transaction dates, etc.  You will need your policy number and the last four digits of the policy owner’s Social Security Number to access this system.

Q. How do I get information on my annuity written through your company?

You can obtain policy information by contacting one of our associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Our Interactive Voice Response (IVR) provides automated information 24 hours, seven days a week.  Simply follow the voice prompts to receive policy values, payment details, transaction dates, etc.  You will need your policy number and the last four digits of the policy owner’s Social Security Number to access this system.

Q. How do I get information on my life insurance policy written through your company

You can obtain policy information by contacting one of our associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Q. How do I request a policy search?

Complete the Identification Questionnaire by contacting one of our associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Q. Who do I contact if I have a question on my billing notice?

You can obtain policy information by contacting one of our associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Our Interactive Voice Response (IVR) provides automated information 24 hours, seven days a week.  Simply follow the voice prompts to receive policy values, payment details, transaction dates, etc.  You will need your policy number and the last four digits of the policy owner’s Social Security Number to access this system.

Q. How do I change my personal information (i.e., address, phone number, email)?

Please contact one of our associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Q. What if I want to change my current premium payment mode?

You can make a premium mode change by contacting one of our associates at 304-725-6090 or or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Q. What do I do if I've lost my policy

Please contact one of our associates at 304-725-6090 to complete a Request for Duplicate Policy or Certificate form.  A small transaction cost must be included with the request (check or money order accepted). During after hours, please contact the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Q. What's the date on my last life insurance premium payment?

You can obtain policy information by contacting one of our associates at 304-725-6090 or after hours the Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

Our Interactive Voice Response (IVR) provides automated information 24 hours, seven days a week.  Simply follow the voice prompts to receive policy values, payment details, transaction dates, etc.  You will need your policy number and the last four digits of the policy owner’s Social Security Number to access this system.

Claims

Q. I was affected by a natural disaster. How do I file a claim?

You can report our claims department 24 hours a day/7 days a week to our toll-free number. American National policy holders: 1-800-333-2860. Farm Family policy holders: 1-800-948-3276. 

Q. I was involved in an accident with someone who is insured by you; how do I file a claim?

Contact the claims office at 1-800-333-2860.

Q. How do I report a life claim?

American National understands that the loss of a loved one can be overwhelming. That’s why we do our best to make the process of a reporting a claim as simple as possible. You can report a claim by calling one of our associates at 304-725-6090 or by calling our Life and Annuity Claims Center Mon.-Fri., 8:00 a.m. to 5:00 p.m. CST at 1-800-615-7372. A claims service associate will guide you through the claim process.

Q. How can I check the status of a life insurance claim?

To check the status of a submitted claim, you can contact one of our associates at 304-725-6090 or by calling our Life and Annuity Claims Center Mon. – Fri., 8:00 a.m. to 5:00 p.m. CST at 1-800-615-7372.

Q. How do I find information about my personal insurance claim?

Please contact one of our associates at 304-725-6090 or by calling our Property and Casualty service center at 417-887-0220.

The Bennett Agency