CATASTROPHICCOMPLETEfrom American National LifeInsurance Company of Texas (ANTEX)

Individually Underwritten Association GroupCatastrophic Hospital Insurance CoverageExclusively for NCAA Members and Their Families

National Consumer’sAdvantage Association(NCAA) AssociationGroup Health Insurance

NCAA’s Catastrophic CompleteAssociation Group Health Insuranceplans are underwritten by AmericanNational Life Insurance Company ofTexas (ANTEX) Galveston, TX.Notice: The insurance plansdescribed in this brochure areavailable to members of theNational Consumer’s AdvantageAssociation (NCAA). Thecoverage is individuallyunderwritten and is not intendedto be an employer sponsoredhealth insurance plan.

RATINGS YOU CAN RELY ONAmerican National Life Insurance Company of Texas (ANTEX)has been evaluated and assigned the following ratings by nationallyrecognized, independent rating agencies. The ratings are current asof April 2006.

A.M. BestA (Excellent)3rd highest of 13 active company ratings1

Standard & Poor’sAA (Very Strong)3rd highest of 20 active company ratings2

Ratings reflect current independent opinions of the financialcapacity of an insurance organization to meet the obligations of itsinsurance policies and contracts in accordance with their terms.They are based on comprehensive quantitative and qualitativeevaluations of the company and its management strategy. Therating agencies do not provide ratings as a recommendation topurchase insurance or annuities. The ratings are not a warranty ofany insurer’s current or future ability to meet its contractualobligations.

Ratings may be changed, suspended, or withdrawn at any time.For the most current ratings visit A. M. Best at www.ambest.comand Standard & Poor’s at www2.standardandpoors.com.

1A.M. Best’s active company rating scale ranges from A++ (Superior) to D (Poor).2Standard & Poor’s active company rating scale ranges from AAA (Extremely Strong) to CCC(Extremely Weak). Plus (+) or Minus (-) modifiers show the relative standing within the categoriesfrom AA to CCC.

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NCAA members enjoy a number of health, travel, consumer andbusiness-related benefits for a nominal monthly membership fee.

National Consumer’s Advantage Association (NCAA) wasformed in 1993 to educate and benefit members byproviding information, resources and access to savings onproducts and services. Association rates and benefits aresubject to change without notice. NCAA offers two levels ofmembership to fit the needs of prospective members.

• Med Script Discount Pharmacy Service- Managed Care mail order service providing up to 50% savings on prescriptions.

• Lens Crafters Vision Club- 20% discount on purchases; 10% discount on eye exams and contact lenses at some outlets

• Hearing Services- Up to 60% discount on quality hearing aids

• Vitamin and Nutrition Supplement Discounts- 15% discount on a wide range of products

• Car Rental Discounts- Special savings at Alamo, Avis, Hertz or National

• North American Van Lines Moving Discounts- Substantial discounts on interstate relocation services, including up to 58% on transportation charges

• Penny Wise Office Supplies Discounts- Up to 36% off already discounted prices on a large selection of items

• Powernet Global- Long distance rate of 5.4 cents per minute state-to-state, 24 hours a day, 7 days a week

• Customized Web Sites- 20% discount on full- service web site development and maintenance

• Internet Access Services- Discounts on unlimiteddial-up access to the Internet

• Emergency Medical Info Card- Wallet- size card provides personal medical profile in case of emergencies

In addition to receiving all Silver Membership Benefits, GoldMembership Benefits include:

• Medical Air Travel Assist• Crisp Publications• American Leasing Exchange• File Solutions• Pre-Employment Background Reports• Payroll Processing Service• Travel Club• Quest Travel Plan• Roadside Assistance• Theme Park and Floral Service Discounts• Magazine Subscription Discounts• AD&D Coverage• Global Fitness Program• HopTheShop.com- Cybermall featuring over 100 high quality e-tailers and stores with special discounts and features

Gold Membership BenefitsSilver Membership Benefits

• SILVER level membership dues are $2.50 per month andprovides a basic benefit package.

• GOLD level membership dues are $4.50 per month andprovides Silver Membership benefits plus access to additionalprivileges and services.

Membership Service Office: 16467 Chesterfield Airport Road, Chesterfield, MO 63017Phone:.800.992.8044 email@www.egroupmanager.com

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NON-HSA CATASTROPHIC HOSPITALINSURANCE COVERAGE FEATURES

Plan DesignIndemnity or PPO

Issue Ages0 - 63 1/2

Cash Deductible$750; $1,500; $2,000; $2,500; $5,000; $10,000 or $15,000

Stop Loss Amount$5,000 or $10,000

Maximum Benefit Payment• $1,000,000 for each injury or sickness;

• $2,000,000; $5,000,000 or $7,000,000 for all injuries

or sicknesses

Coinsurance Amount• 100% In Network (80% Out of Network); or• 80% In Network (60% Out of Network) up to Stop Loss, 100% thereafter; or• 50% In Network (30% Out of Network) up to Stop Loss, 100% thereafter

Optional Accident Expense BenefitRiderANL-ACCEX06- Available for additional premiumMaximum Benefit per Injury: $400; $800 or $1,200. Notsubject to Deductible or Coinsurance

Optional Outpatient Doctor RiderANL-OPB06- Available for additional premiumOutpatient Services paid at 80% coinsurance rate once$1,000 deductible is met. Maximum benefit per CalendarYear is $10,000

Outpatient Prescription Drug RiderANL-PDR06- Available for additional premiumParticipating Pharmacy• Individual Calendar Year Deductible: $500 or $1,000• Family Calendar Year Deductible: $1,000 or $2,000• Copay: $10 Generic; $25 Brand Name; $30 Mail Order• Generic; $75 Mail Order Brand Name• Coinsurance Amount for Generic: 100% after Deductible and Copay• Coinsurance Amount for BrandName: 50% after Deductible and Copay• Coinsurance Amount for Brand Name when Generic is available: Insured pays copay + 100% of the difference between the cost of the generic and brand name

Non-Participating Pharmacy• Individual Calendar Year Deductible: $1,000 or $2,000• Family Calendar Year Deductible: $2,000 or $4,000• Copay: $10 Generic; $25 Brand Name; No Mail Order available• Coinsurance Amount for Generic: 100% after Deductible and Copay• Coinsurance Amount for Brand Name: 50% after Deductible and Copay• Coinsurance Amount for Brand Name when Generic is available: Insured pays copay + 100% of the difference between the cost of the generic and brand name

Design A Plan That Fits Your Needs

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HSA COMPATIBLE CATASTROPHIC HOSPITALINSURANCE COVERAGE FEATURES

Plan DesignIndemnity or PPO

Issue Ages0 - 63 1/2

Plan Deductible• Individual: $1,500; $2,000 or $2,500• Family: $3,000; $4,000 or $5,000

Rate of Payment100%, 80% or 50% (20% reduction of otherwise payableexpenses for Out of Network charges)

Unpaid Medical Services MaximumIncluding deductible• Individual: 100%; 80% ($3,500; $4,000 or $4,500) or 50% ($4,000; $4,500 or $5,000)• Family: 100%; 80% ($7,000; $8,000 or $9,000) or

50% ($8,000; $9,000 or $10,000)

Maximum Benefit Payment$2,000,000; $5,000,000 or $7,000,000

Design A Plan That Fits Your Needs

American National Life InsuranceCompany of Texas (ANTEX) suggests youconsider First Horizon Msaver for yourHSA administration services. FirstHorizon Msaver was an industry leader inadministering MSAs, the forerunner to

today’s HSAs. Find out how First Horizon Msaver canprovide you with the opportunity to maximize your savings.When you combine a First Horizon Msaver HSA withANTEX’s Catastrophic Complete plan, you are eligible totake advantage of the following:

Maximize Your InsuranceDollars With A HSA Account From

ANTEX is not engaged in rendering tax, investment or legal advice.Federal and state tax regulations are subject to change. If tax,investment or legal advice is required, seek the services of a licensedprofessional.

• No HSA Account Set-up Fee• Low Monthly Administration Fee• Convenient Debit Card and Checks for Easy Account Withdrawals• First Dollar Interest on All HSA Funds• User-Friendly Website (www.americannationalhsa.com) and Professional Toll-Free Customer Service Line (866-495-9051)

Coverage SummaryAvailable on both HSA and non-HSA plan designs

• Hospital Stay• Surgery• Assistant Surgeon• Second Opinion• Anesthesia

• Doctor Visits• Pathology, Physiotherapy & Radiology• Post Confinement Therapy• Same Day Surgery

• Organ Transplants• Hospice Care• Home Health• Mammogram• Ambulance Service

• Complications of Pregnancy• Foreign Emergency Treatment Benefit• Waiver of Premium

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HOSPITAL STAY: Reasonable and Customary Charges made bythe Hospital for each day a Covered Person is Hospital Confined.Such charges will include (a) Room accommodations (up to theaverage semi-private room rate). The average semi-private roomrate includes any separate charges such as room, nursing services,maintenance, utilities and similar items. If a Hospital has onlyprivate rooms, eligible charges will be limited to 90% of the privateroom charge. (b) Charges for an Intensive Care Unit, CoronaryCare Unit and Neonatal Intensive Care Unit confinement up tothree times the average semi-private room rate. (c) Hospital chargesfor miscellaneous medical services and supplies that are necessaryfor the treatment of the Covered Person while Hospital Confined.These charges include: operating room, recovery room, anesthesia,surgical dressings, central supplies, casts and splints, Medicines orDrugs, x-ray photographs, laboratory service and oxygen,equipment and services, blood plasma, whole blood and bloodderivatives. All charges must be incurred while a Covered Person isHospital Confined. Eligible charges do not include: charges fortake-home Medicines or Drugs (unless otherwise specificallyprovided by the Group Policy), personal and convenience items, oritems that are not intended primarily for use while HospitalConfined.

SURGERY: Reasonable and Customary Charges by a Doctor forthe primary surgery performed on a Covered Person while HospitalConfined or in a Same Day Surgery Facility. This benefit includesroutine care after the surgery. ANTEX will pay other surgicalprocedures, done during this same session, at 50% of theReasonable and Customary allowance. A surgical procedureinvolving TMJ (Temporomandibular Joint Disorder) is limited to aLifetime Maximum of $2,500 per Covered Person.

ASSISTANT SURGEON: Reasonable and Customary Chargesfor surgical assistance performed on a Covered Person whilehospital confined or in a Same Day Surgery Facility. EligibleAssistant Surgeon expense is limited to 25% of the eligible chargesallowance for the primary surgeon, when the assistance is renderedby a Doctor. This benefit reduces to 20% when a PhysicianAssistant assists and to 15% if the assistance is by a RegisteredNurse.

SECOND SURGICAL OPINION: Reasonable and CustomaryCharges for a Doctor providing a second surgical opinion regardingthe advisability of surgery. If the initial and second surgicalopinions conflict, ANTEX will pay benefits for a third surgicalopinion. ANTEX does not subject charges for a second and thirdopinion to the Deductible Amount.

CATASTROPHIC HOSPITAL INSURANCE COVERAGEELIGIBLE EXPENSES/MEDICAL SERVICES

Subject to the Deductible Amounts, the Group Policy includes the listed Eligible Expenses/Medical Services, paid at the Reasonable and Customary charge maximum. Shouldinconsistencies occur with the information provided in this brochure, the terms andconditions of the Group Policy, as amended per state law, will apply.

ANESTHESIA AND ADMINISTRATION: Reasonable andCustomary Charges by an anesthesiologist for the administration ofanesthesia to a Covered Person who is undergoing surgery whileHospital Confined or in a Same Day Surgery Facility. Theanesthesiologist must be at the operation solely to render theanesthesia service. ANTEX will reduce eligible benefits by 50% if anurse anesthetist, operating surgeon or assistant surgeonadministers the anesthesia and any incidental fluids as part of acovered surgical procedure. Charges include the reasonable cost ofhospitalization and general anesthesia in order for a Covered Personto safely receive dental care if he or she is under 8 years of age or isdevelopmentally disabled. This benefit does not apply to treatmentrendered for temporal mandibular join disorders (TMJ).

DOCTOR’S VISITS: Reasonable and Customary Charges by theprimary attending Doctor for one visit per day while HospitalConfined.

PATHOLOGY: Reasonable and Customary Charges by apathologist for the interpretation of diagnostic tests or studies whileHospital Confined or in a Same Day Surgery Facility.

PHYSIOTHERAPY: Reasonable and Customary Charges forphysical, speech or inhalation therapist services while HospitalConfined or in a Same Day Surgery Facility.

POST CONFINEMENT THERAPY: Reasonable andCustomary charges that a Hospital, or Hospital-based clinic, billsfor the services and supplies it furnishes to a covered person who isnot Hospital Confined. The Covered Person must require PostConfinement Therapy for a Sickness or Injury that caused aHospital Stay, or following surgery performed in a Hospital or SameDay Surgery Facility, that is normally covered by the Group Policy.The following types of Therapy are eligible under this provision:Radiation therapy, including treatment planning; Chemotherapy,including treatment planning; Physical therapy; Speech therapy; andOccupational therapy.

RADIOLOGY: Reasonable and Customary Charges by aradiologist for the interpretation of diagnostic tests or studies whileHospital Confined or in a Same Day Surgery Facility.

SAME DAY SURGERY FACILITY: Reasonable and CustomaryCharges for care received in a Same Day Surgery Facility. Eligiblecharges will be the fees for the use of the facility and othermiscellaneous charges made by the facility. If the Covered Personstays in the Ambulatory Surgical Center for 18 or more hours,ANTEX will pay eligible charges up to the average semi-privateroom rate for the use of the facility. The semi-private room rate willbe consistent with Hospital charges in the area where theAmbulatory Surgical Center is located.5

CATASTROPHIC HOSPITAL INSURANCE COVERAGEELIGIBLE EXPENSES/MEDICAL SERVICES

CONTINUEDORGAN TRANSPLANTS: Maximum Benefit for OrganTransplants per Covered Person is $1,000,000. The organ beingtransplanted must be the organ of primary disease and must be oneof the following organs: heart, lung, liver, cornea, pancreas, kidneyor bone marrow and/or stem cells harvested from bone marrow orperipheral blood. (Stem cell or bone marrow transplants do nothave to be the organ of primary disease). We will pay benefits forthe Eligible Expenses that result from charges related to, caused by,contributed to or resulting from an Organ Transplant. The CoveredPerson must incur the charges during the Transplant Period. Wewill not pay for charges he Covered Person incurs outside theTransplant Period, except for anti-rejection Drug charges. We willpay donor benefits: (a) Up to $15,000 in eligible charges; and (b)When You or a Covered Person is legally responsible for thecharges.

TRANSPLANT CENTERS: We have contracted with certainspecified transplant centers to provide Organ Transplants at anegotiated rate. If a Covered Person utilizes a specified transplantcenter, ANTEX will waive the $1,000,000 Maximum Benefit foran Organ Transplant and the charges will instead be appliedtowards the Group Policy Maximum. All other provisions of theGroup Policy will continue to apply. You or a Covered Person maysend a written request to ANTEX’s Case Management Departmentfor a copy of the maximums.

HOSPICE CARE BENEFIT: Reasonable and CustomaryCharges for Hospice Care provided by a Hospice agency (Non-HSA only: up to the Maximum Benefit for Hospice Care shown inthe Certificate Schedule). We will not pay benefits under thisprovision and under another benefit provision of the Group Policy.We only pay benefits for Hospice Care when: (a) The Hospice Careis provided to reduce or abate pain and not for cure; and (b) TheCovered Person’s Doctor certifies that the Covered Person’s lifeexpectancy is less than six months. HSA only: This benefit is notsubject to the Deductible Amount or any Rate of Payment that isless than 100%.

HOME HEALTH CARE: Reasonable and Customary Chargesfor Home Health Care up to $40 per visit. There is a limit of onevisit per day and 60 Home Health Care visits in each CalendarYear. We count the following as one Home Health Care Visit: (a)When a Home Health Care provider visits the home to evaluate theneed for developing a Home Health Care plan; or (b) Up to fourconsecutive hours of Home Health Care. The home Health Caremust begin within 7 days of a prior Hospital Stay of at least 3 days.The Home Health Care must be provided in lieu of a HospitalStay. The Home Health Care must be for treatment of the sameSickness or Injury for which the Covered Person was HospitalConfined. Home Health Care includes the following eligiblecharges: Registered Professional Nurse (R.N.) or Licensed PracticalNurse (L.P.N.) servies/supplies; Qualified physiotherapist, speechtherapist or inhalation therapist services/supplies; Medical socialservices worker services/supplies. The services/supplies must beMedically Necessary to understand the emotional, social and

environmental factors affecting the Covered Person’s Sickness;Home health aide services/supplies when under a R.N.’s directsupervision; Nutritional guidance when Medically Necessary;Oxygen and its administration. HSA only: This benefit is notsubject to the Deductible Amount or any Rate of Payment that isless than 100%.

MAMMOGRAM: Reasonable and Customary Charges in excess of$25 for one annual screening mammogram per Calendar Year. Wepay the benefit whether or not the Covered Person is HospitalConfined. We do not apply charges to the Deductible Amount orto any Co-Insurance Amount that is less than 100% .

PROFESSIONAL AMBULANCE SERVICE: Reasonable andCustomary Charges for transportation to the nearest Hospitalqualified to treat Injuries or medical Emergencies.

COMPLICATIONS OF PREGNANCY: If a Covered Personsuffers Complications of Pregnancy while covered under the GroupPolicy, eligible charges incurred for treatment of suchComplications of Pregnancy will be considered for payment as ifthey had resulted from Sickness. If an expense does not result solelyfrom the treatment of the Complications of Pregnancy, then it willbe deemed due to normal pregnancy and not covered under theGroup Policy.

FOREIGN EMERGENCY TREATMENT: We will pay forbenefits for eligible charges resulting from charges for Emergencytreatment that a Covered Person receives in a foreign country.Benefits payable will be the lesser of: (a) the actual charges for theservices; or (b) the eligible charges that We would have paid if theCovered Person had received the Emergency treatment where theCovered Person resides.

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Benefits are payable under the Group Policy, subject to the Deductible Amount(s) for charges resulting from the cost of PrescriptionDrugs prescribed by a Doctor for a Covered Person’s use outside of a Hospital or Ambulatory Surgical Center. Although some benefitamount may be payable regardless of the Pharmacy used, maximum benefits are available only if a Participating Pharmacy is used and theCovered Person is identified as a participant in this preferred price prescription program. If the Covered Person is not identified as aparticipant or uses a Pharmacy other than a Participating Pharmacy, reimbursement for the cost of a prescription may be less than thecharge made. Benefits payable under this provision are subject to all of the Group Policy provisions.

ANTEX considers a Prescription Drug charge as an eligible charge when:1. A Doctor prescribes the drug for treatment of Injury or Sickness;2. The Group Policy does not exclude the Injury or Sickness for which the Doctor has prescribed the drug;3. The Outpatient Prescription Drug Rider does not exclude the drug; and4. A Pharmacy, which is not part of a Hospital or Ambulatory Surgical Center, dispenses the Prescription Drug.

ANTEX does not cover prescription drugs that we have excluded by name or specific description. Payment for aprescription drug does not mean we have any liability under eligible charges. Prescription by a Doctor does notautomatically make treatment Medically Necessary. Eligible charges for Outpatient Prescription Drugs DO NOT include:

Any Ancillary Drug Charge included in the cost of thePrescription Drug.

The cost of any Prescription Drug dispensed in a quantity whichexceeds a 31 day supply unless the manufacturer’s packaging or theprescription requires a greater quantity.

DDAVP (desmopressin acetate) or other Prescription Drugs used in thetreatment of primary nocturnal enuresis (bedwetting) for a CoveredPerson under the age of six.

Retin-A (tretinion) for a Covered Person age 26 or older.

Contraceptives, including oral Prescription Drugs, implantPrescription Drugs or devices that are prophylactic or preventativein nature unless their use is Medically Necessary for the treatmentof an existing Sickness that the Group Policy would otherwisecover.

RU-486, which is taken to end pregnancy.

Devices or appliances including, but not limited to, blood glucosetesting devices and support garments and bandages, except whenDoctor prescribed.

Over-the-Counter (OTC) medications (those medications which can belegally obtained without a Doctor’s prescription), compoundeddrugs, unless they contain one ‘legend’ ingredient, unit dose drugs,dietary supplements, herbs and vitamins. We will not apply thisException to prenatal vitamins a Doctor prescribes for pregnancy.

Prescription refills in excess of the number specified in theprescription provided by the Doctor or refills dispensed more thanone year after the date of the original prescription.

Prescription Drugs that a Doctor administers or dispenses while inhis office or while a covered Person is in a facility that providesmedical care, including unit dose Prescription Drugs and any

OUTPATIENT PRESCRIPTION DRUGSFOR NON-HSA PLAN DESIGN ONLY

supply.

Prescription Drugs prescribed for (a) cosmetic purposes (b)treatment of hair loss; (c) care, services or treatment that the GroupPolicy does not cover or (d) treatment of an injury or sickness thatthe Group Policy does not cover.

Prescription Drugs used for the purpose of: (a) weight loss, (b)treating Acne (including Accutane); (c) promoting growth (forexample: growth hormone); (d) treating sexual dysfunction orinadequacy; or (e) facilitating smoking cessation (including anyPrescription Drug containing nicotine or its derivatives).

Prescription Drugs that a Doctor prescribes for the treatment ofmental illness, chronic fatigue syndrome or fibromyalgia.

Any Prescription Drug that is not consistent with the diagnosis andtreatment of the Covered Person’s Injury or Sickness because: (a)the Prescription Drug is excessive in terms of the scope, duration orintensity of scope; (b) the duration or intensity of PrescriptionDrug therapy is excessive in terms of what is needed to provide safe,adequate and appropriate care; or (c) the Prescription Drug is solelyfor the Covered Person’s family or Doctor’s convenience;

Prescription Drugs prescribed for the replacement of lost or stolenprescriptions.

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1. Injury or Sickness if the loss is covered under these orsimilar laws: Worker’s Compensation Law; Employer’sLiability Law; or Occupational Disease Law.

2. Injury or Sickness that results from war or an act of war,whether war is declared or not.

3. Care or supplies that a Covered Person receives in aHospital or other facility that a government agency runs.However, ANTEX will not apply this Exception if: (a) TheCovered Person receives a charge that he has to pay by law;and (b) The Hospital or facility would have made the chargeeven if no insurance existed.

4. Eligible Expenses/Medical Service charges relating to thediagnosis and/or treatment of the adenoids, tonsils,gallbladder, reproductive organs, and hernia for the first sixmonths of coverage. However, if ANTEX has excluded anyone of these conditions by rider, ANTEX does not pay anybenefit for the condition, regardless of when the treatmenttakes place; or if such condition is a Preexisting Condition,any benefit consideration will be in accordance with thePreexisting Conditions provisions.

5. Eligible Expenses/Medical Service charges resulting fromprocedures or treatments that are Experimental orInvestigational Medicine.

6. Organ Transplants, except as otherwise provided under thesection titled Organ Transplants.

7. Pregnancy and childbirth, except for Complications ofPregnancy.

8. Mental or Nervous Disorders.

9. Plastic, cosmetic or reconstructive surgery. This Exceptionincludes breast reduction and surgery to repair, replace orremove breast implants. This Exception does not apply whensurgery is required: (a) To correct damage for a coveredInjury or Sickness; (b) To repair a birth defect of a child bornto You and continuously covered under the Group Policyfrom its birth; or (c) For reconstructive surgery following acovered mastectomy.

10. Dental Treatment unless due to Injury to a CoveredPerson’s natural teeth.

CATASTROPHIC HOSPITAL INSURANCECOVERAGE EXCEPTIONS

The Group Policy does not cover an Injury or Sickness that ANTEX has excluded by name ordescription. The Group Policy does not provide coverage for loss caused by, contributed to orresulting from:

11. Eligible Expenses/Medical Service charges for a Pre-Existing Condition for the first 12 months of coverage.

12. Any attempt at suicide or any intentionally self-inflictedInjury.*

13. A Covered Person’s commission of or an attempt tocommit a felony, or an illegal act or being engaged in anillegal occupation.

14. Charges for, or relating to, any loss that results from: (a)A Covered Person, voluntarily or involuntarily,administering, taking or injecting any drug, sedative ornarcotic unless taken as a Doctor prescribes; or (b) Injuries toa Covered Person while the person was operating a motorvehicle and his blood alcohol content exceeded 0.08% byweight, whether or not the Covered Person’s use of alcoholcauses or contributes to the Injury.

15. Charges relating to radial keratotomy, laser surgery, orany type of surgery or procedure, for refractive correction,eye refraction or the purchase or fitting of vision or hearingaids, Cochlear Implants and related devices.

16. Charges relating to treatment of obesity, includingexogenous, endogenous, morbid obesity, or weight reduction.

17. Mandibular or maxillofacial surgery to: (a) Correctgrowth defects; (b) Correct jaw disproportions ormalocclusions; (c) Increase vertical dimension; or (d)Reconstruct occlusion after one year from a child’s date ofbirth or a child’s date of adoption. We do not apply thisException for the repair of a congenital anomaly or birthdefect of a child born to You or a child that You adopt. TheGroup Policy must continuously cover the child from birth,adoption or placement for adoption.

18. Treatment provided outside the United States of America,its possessions and territories, except as otherwise providedunder Foreign Emergency Treatment.

*Missouri Residents Only: Any attempt at suicide or any intentionallyself-inflicted Injury resulting from an attempted suicide, while sane. Anintentionally self-inflicted Injury that is obviously not an attemptedsuicide, while sane. Oklahoma Residents Only: Any suicide (while saneor insane), attempted suicide or any intentionally self-inflicted Injury.

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CATASTROPHIC HOSPITAL INSURANCECOVERAGE EXCEPTIONS

CONTINUED19. Diagnosis or treatment (including surgery) of sexualdysfunction disorder or inadequacy; transsexual surgery.

20. Sclerotherapy for veins of the extremities or laser surgeryto minimize veins.

21. Care received in a Rehabilitation Facility, includingservices of this type rendered in a separate section of abuilding that houses an Acute Care Facility.

22. Routine newborn care, unless otherwise stated in theGroup Policy.

23. Care in a nursing home, custodial institution ordomiciliary care or rest cures.

24. Eligible Expenses/Medical Service charges for chargesthat You or a Covered Person is not legally obligated to pay.

25. Benefits that Medicare pays.

26. Charges for which benefits are not specifically providedin the Group Policy.27. Medicines or Drugs, treatment or procedure that either

This brochure contains a brief description of the plan andcoverage available from American National LifeInsurance Company of Texas. Plan is marketed inmultiple states so coverage and options vary depending onyour state of residence. Please refer to the certificate ofcoverage for the actual terms and conditions. Shouldinconsistencies occur with the information provided inthis brochure, the terms and conditions of the GroupPolicy, as amended per state law, will apply. PPO andOut of Network language for ANL-C06-P and ANL-C06H-P does not apply in the state of Wyoming.Heartland Association and Group Certificate languagefor ANL-C06-P and ANL-C06H-P does not apply inthe state of Kansas.

promotes or prevents contraception or prevents childbirthincluding and relating to, but not limited to: (a) artificialinsemination; (b) in-vitro fertilization or any other diagnosisor treatment for the control, promotion or enhancement offertility; (c) treatment for impotency, including Viagra; (d)sterilization or reversal of prior sterilization; or (e) elective ornon-Medically Necessary and therapeutic abortion, includingthe Drug RU-486, unless the life of the mother would beendangered if the fetus were carried to term.

28. Medicines or Drugs or medicinal supplies when aCovered Person is not Hospital Confined.

29. Treatment of alcoholism.

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How is a Pre-Existing ConditionDefined?Pre-Existing Conditionmeans a condition nototherwise excluded by nameor specific description: (a)for which medical advice,testing, care, treatment ormedication was given or wasrecommended by, orreceived from, a Doctorwithin twelve months beforethe Certificate Date; or (b)that would have caused areasonably intelligent personto seek medical diagnosis ortreatment within twelvemonths before theCertificate Date. Apregnancy existing on theCertificate Date is a Pre-Existing Condition.ANTEX does not cover Pre-Existing Conditions for thefirst twelve months ofcoverage.Are There Any

PRE-EXISTING CONDITIONSCircumstances When aCondition That ExistedPrior to the EffectiveDate Is Covered? Yes. If acondition is disclosed on theapplication and no underwritingaction is taken (i.e., Exclusionwaiver), the condition is coveredfrom day one, subject to theterms and conditions of theGroup policy. Certain otherconditions (not pre-existing)may not be Covered for the first6 months of coverage.

Under What ConditionsCan My Coverage BeChanged orTerminated? We or theGroup Policyholder canterminate or non-renew coverageunder the Group Policy as of anypremium due date under any ofthe following conditions: (a) Youhave failed to pay premiums orcontributions in accordance withthe terms of the Group Policy orWe have not received timelypremium payments; (b) You or aCovered Person has performedan act or practice that constitutesfraud or made an intentionalmisrepresentation of materialfact in applying for coverage orunder the terms of the GroupPolicy; (c) We are ceasing to offercoverage in the association

market in accordance withapplicable state law; or (d) Weare discontinuing all healthbenefit plans offered toassociations.* If We refuse torenew coverage under reasons(a)-(b) above, We will give You30 days notice prior to the non-renewal effective date. If Werefuse to renew coverage underreason (c) above, We will: within90 days prior to discontinuation,(a) provide notice to eachassociation member coveredunder the Group Policy; (b)offer to each member the optionof any other health benefit plancurrently being offered by Us inthe association market; and (c)act uniformly without regard toany health status-related factor ofcovered members or dependentsor new members or dependentswho may become eligible forcoverage. If We discontinueoffering all health insurancecoverage in this market underreason (d) above, We will give180 days notice to theCommissioner of Insurance, theassociation, and each associationmember covered under theGroup Policy. At the time ofcoverage renewal, We maymodify coverage under theGroup Policy. However, themodification must be consistentwith State law and effective on a

uniform basis among allindividuals that We coverunder the Group Policy.Subject to the conditionslisted above, We cannotrefuse to renew coverage: (a)just because of a change in aCovered Person’s health orthe type of work theCovered Person performs;or (b) just because of theclaims filed by or on behalfof a Covered Person, unlessthe claims are fraudulent.

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Commencement ofCoverage: We requireevidence of insurabilitybefore coverage can beprovided. The applicantand all dependents listedon the application mustmeet the ANTEXunderwritingrequirements. If approved,coverage will begin on theEffective Date as indicatedon the Certificate SchedulePage. The Effective Datewill be either the daterequested on theapplication, if no morethan 45 days in the futureor the date approved bythe Home OfficeUnderwriter.

Paramed Exam andBlood Testing:A Paramed Exam andBlood test are notroutinely required, but maybe ordered at ANTEX’sdiscretion.

AttendingPhysician’sStatements: ANTEXreserves the right to obtainmedical history afterreviewing the application.

Waivers andExclusions: Certainconditions can be waivered orexcluded for a temporary orpermanent period of time.ANTEX reserves the right todecline any applicant whoseCertificate would otherwise beissued with more than threewaivers.

Rate-Ups: By addingadditional Premium forcertain conditions (includingheight and weight), thecoverage may be issued to anIndividual who mightotherwise be uninsurable.

Reversal of ExclusionWaivers: Exclusion waiversmay be reconsidered whenthere has been an improvementin health status. The Ridermay be reviewed after the firstCertificate anniversary with awritten request from theCovered Person and a currentreport from the attendingDoctor, without cost toANTEX. In some situations, areconsideration date can beoffered at the time of initialunderwriting. If possible, theCovered Person will be notified.

Initial Premium: The full

modal Premium must be paidwith the application in mostcases.

Claim Submission:Claims are submitted perinstructions on the back of theIdentification card issued withthe Certificate. Claim formsare not necessary, unlessrequested by the Company.

Existing Pregnancy:ANTEX’s underwritingguidelines preclude acceptanceof any application where amember of the applicant’simmediate family is currentlypregnant, and for the first 30days following delivery.

IMPORTANT NOTICEThis brochure must be leftwith the proposed insuredand is not complete withoutthe appropriate formspacket. If you have anyquestions about the contentsof this brochure, please callyour agent/broker orAmerican National LifeInsurance Company of Texas(ANTEX) 800.899.6805or www.anico.com

GENERAL INFORMATION

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Automatic Coverage ofNewborn and AdoptedChildren: The Group Policyprovides coverage for thefollowing children when theylive with You; A child born toYou; A child You adopt; or Achild who is placed foradoption with You.Coverage for the childcontinues through the 31st dayfollowing the child’s date ofbirth, date of adoption orplacement for adoption.Coverage for the child will befor Sickness or Injury as

provided by the GroupPolicy. In order tocontinue the child’scoverage beyond this 31-day period, You must dothe following: SendANTEX notice of thechild within 31 days of thechild’s date of birth, dateof adoption, or date ofplacement; and SendANTEX the additionalpremium for the childwithin 62 days of thechild’s date of birth, dateof adoption, or date ofplacement. As long as Youpay the extra premium, thechild will remain aCovered Person, subject tothe sections titledTERMINATION OFCOVERAGE and LOSSOF ELIGIBILITY.

One of the prime objectivesof our Company is toprovide insurance at thelowest possible cost. Theunderwriting process(evaluation of risks) isnecessary not only to assurethe lowest cost possible, butalso to assure that eachcertificate holder contributestheir fair share of the cost.In considering yourapplication, informationfrom various sources musttherefore be considered.These include the results ofyour physical examination,if required, and any reportswe may receive from doctorsand hospitals who haveattended you.

Medical InformationBureau (MIB)Pre-NotificationInformation regarding yourinsurability will be treated asconfidential. AmericanNational Life InsuranceCompany of Texas, or itsreinsurers may, however,make a brief report thereonto the MIB, a not-for-profitmembership organization of

Thank you for considering American National Life InsuranceCompany of Texas as your insurance carrier.

insurance companies, whichoperates an informationexchange on behalf of itsMembers. If you apply toanother MIB Member companyfor life or health insurancecoverage, or a claim for benefitsis submitted to such a company,MIB upon request, will supplysuch company with informationin its file.

Upon receipt of a request fromyou MIB will arrange disclosureof any information it may havein your file. Please contact MIBat 866-692-6901 (TTY 866-346-3642). If you question theaccuracy of information inMIB’s file, you may contactMIB and seek correction inaccordance with the proceduresset forth in the fedaral FairCredit Reporting Act. Theaddress to MIB’s informationoffice is Post Office Box 105,Essex Station, Boston,Massachusetts 02112.

American National LifeInsurance Company of Texas, orits reinsurers, may also releaseinformation on its file to otherinsurance companies to who you

CONSUMER NOTICES

may apply for life or healthinsurance, or to whom a claimfor benefits may be submitted.

Fair Credit ReportingAct (FCRA)Pre-NotificationFederal and state laws requirenotification that, in connectionwith your application, we mayrequest an investigativeconsumer report. In addition,such a report may be requestedsubsequently to update ourrecords or if you apply foradditional coverage. Uponwritten request, we will informyou whether or not aninvestigative consumer reportwas requested and, if such areport was requested, the addressand telephone number of theinvestigative agency to which therequest was made. Bycontacting the local office andproviding proper identification,you may inspect or receive acopy of such report. Typically,the report will containinformation as to character,general reputation, personalcharacteristics and mode ofliving, which information isobtained through an interview

with you or an adultmember of your family,employers or businessassociates, financial sources,friends, neighbors or otherswith whom you areacquainted. Theinformation will consist,when applicable, of aconfirmation of youridentity, age, residence,marital status, and past andpresent employmentincluding occupationalduties, financialinformation, driving record,sports and recreationalactivities, health history, useof alcohol or drugs, if any,living conditions and typeof community.

American National LifeInsurance Company ofTexas • One Moody Plaza• Galveston, TexasMail Correspondence To:P.O. Box 1998 Galveston,Texas 77553-1998

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• This Notice ofPrivacy Practicesdescribes how we may useand disclose yourprotected healthinformation to carry outtreatment, payment orhealth care operations andfor other purposes that arepermitted or required bylaw. It also describes yourrights to access and controlyour protected healthinformation. “Protectedhealth information” isinformation about you,including demographicinformation, that mayidentify you and thatrelates to your past, presentor future physical ormental health or conditionand related health careservices.

• We are required bylaw to protect the privacyof your information,provide this notice aboutour information practices,and abide by the terms ofthis Notice of PrivacyPractices. We may changethe terms of our notice at

PRIVACY PRACTICESThis notice describes how medical information about you may be used anddisclosed and how you can get access to this information. Please review itcarefully.

any time. The new notice willbe effective for all protectedhealth information that wemaintain at that time. You canrequest a copy of our notice atany time.

• Uses and Disclosuresof Protected HealthInformation: We useprotected health informationabout you for health careoperations, underwriting,claims processing andpolicyholder service. Forexample, we would use ordisclose protected healthinformation to MIB, a non-profit membership organizationof life and health insurancecompanies, which operates aninformation exchange onbehalf of its members.

• Any other uses ordisclosures of yourprotected health informationwill be made only with yourwritten authorization. Youmay revoke this authorizationat any time, in writing, exceptto the extent that we havetaken an action in reliance on

the use or disclosure indicatedin the authorization.

• We may use ordisclose identifiable healthinformation about you withoutyour authorization for otherreasons. Subject to certainrequirements, we may discloseprotected health informationwithout your consent orauthorization as for publichealth purposes, for auditingpurposes, for research studies,and for emergencies. We alsoprovide protected healthinformation when otherwiserequired by law, or for lawenforcement purposes, legalproceedings, military activityand national security, to acoroner, funeral director ormedical examiner, and whenrequired by the Secretary of theDepartment of Health andHuman Services.

• Your Rights:Although your health record isthe physical property ofAmerican National InsuranceCompany of Texas, theinformation belongs to you.

• You have the rightto request a restriction oncertain uses and disclosuresof your information asprovided by 45 CFR164.522, obtain a papercopy of the notice ofprivacy practices uponrequest, inspect and obtaina copy of your healthrecord as provided for in45 CFR 164.524, amendyour health record asprovided in 45 CFR164.528, obtain anaccounting of disclosuresof your health informationas provided in 45 CFR164.528, requestcommunications of yourhealth information byalternative means or atalternative locations andrevoke your authorizationto use or disclose protectedhealth information exceptto the extent that actionhas already been taken.

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• You have the rightto inspect and copy yourprotected healthinformation for as long aswe maintain the protectedhealth information. Underfederal law, however, youmay not inspect or copythe following records:psychotherapy notes;information compiled inreasonable anticipation of,or use in, a civil, criminal,or administrative action orproceeding, and protectedhealth information that issubject to law thatprohibits access toprotected healthinformation. Dependingon the circumstances, adecision to deny accessmay be reviewable. Pleasecontact our Privacy Officerif you have questions aboutaccess to your records.

• You have the rightto request a restriction ofyour protected healthinformation. This meansyou may ask us not to useor disclose any part of yourprotected healthinformation for thepurposes of treatment,payment or healthcareoperations. We are not

required to agree to arestriction that you mayrequest. If we agree to therequested restriction, we maynot use or disclose yourprotected health informationin violation of that restriction.You may request a restrictionby submitting a letter to theHealth UnderwritingDepartment, P.O. Box 1991,Galveston, Texas 77550.

• You have the right toamend your protected healthinformation. This means youmay request an amendment ofprotected health informationabout you in a record for aslong as we maintain thisinformation. In certain cases,we may deny your request foran amendment. If we denyyour request, you have theright to file a statement ofdisagreement with us and wemay prepare a rebuttal to yourstatement and will provide youwith a copy of any suchrebuttal. Please contact ourPrivacy Officer if you havequestions about amendingyour records.

• You have the right toreceive an accounting ofcertain disclosures we havemade, if any, of your protected

health information. This rightapplies to disclosures forpurposes other than treatment,payment or healthcareoperations as described in thisNotice of Privacy Practices. Itexcludes disclosures we mayhave made to you, to familymembers or friends, or fornotification purposes. Youhave the right to receivespecific information regardingthese disclosures that occurredafter April 14, 2003. The rightto receive this information issubject to certain exceptions,restrictions and limitations.

• You have the right torequest receipt of confidentialcommunications by alternativemeans or at alternativelocations if you clearly statethat such disclosure couldendanger you. You have theright to have this requestreasonably accommodated.

• You have the right toobtain a paper copy of thisnotice from us. You maycomplain to us or to theSecretary of Health andHuman Services if you believeyour privacy rights have beenviolated by us. You may file acomplaint with us by notifyingour Privacy Officer of your

complaint. We will notretaliate against you forfiling a complaint. Youmay contact AmericanNational’s HIPAA PrivacyOfficer, AmericanNational Life InsuranceCompany of Texas, OneMoody Plaza, Galveston,Texas 77550,hipaa.compliance.officer@anico.com,409.766.6420 for furtherinformation about thecomplaint process. Thisnotice was published andbecomes effective on April14, 2003. The right toreceive this information issubject to certainexceptions, restrictions andlimitations.

PRIVACY PRACTICESCONTINUED

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American National Life Insurance Company of Texas

1 Moody Plaza, Galveston, TX 77550800.899.6805 tel 409.766.6673 fax

www.anico.com

ANLC06GB 04/07