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Protect your most important asset....




The Rewards Are Yours With an Excellent Claims-Free Record.
Our CA$HBACK program rewards you by refunding a portion of your combined auto and homeowner premiums. Simply remain CLAIM-FREE for three consecutive years, on both your auto and homeowner policies, and you'll receive a check for 25% of your combined FIRST-YEAR PREMIUMS!

How Can We Refund 25% of Your Premiums?
It costs us more to write "new" business than to keep a good policyholder like you. Therefore, the longer we keep you as a satisfied customer, the better for our company...and for you. We spend less and so do you!

The Key Is To Be Safety Conscious.
It costs less to administer this program, so we pass the savings on to you. And as long as you stay claim-free, you continue to save by being an ANPAC policyholder.

Because you're a part of a very conscientious group of people who take pride in their property, drive defensively, and recognize the importance of keeping claim costs down, you allow us to keep your premiums down.

Add all these factors together, and it's easy to see how we can afford to pay you for being a good policyholder. The CA$HBACK program is our way of giving good policyholders the premium break you deserve.

However, if you should have a loss, rest assured that ANPAC will be there when you need us! In fact, the majority of our customers rate our claims service as excellent - the highest category!

How Can You Get CA$HBACK?
  • Have and maintain (without interruption) a homeowner AND auto policy* with ANPAC for three years.
  • Remain CLAIM-FREE** during the three-year period.

At least one auto must have both comprehensive and collision coverages with ANPAC. Homeowner polices must be owner occupied.

Claim-Free means no paid claims of any type, other than towing and labor.

How the program works
For the purpose of illustration only. Actual premiums will vary.
End of Year Auto
Total Premium CA$HBACK
1st Year $1,314 $618 $1,932  
2nd Year $1,353 $637 $1,990  
3rd Year $1,394 $656 $2,050 $483.00
4th Year $1,436 $676 $2,112 $497.50
5th Year $1,479 $696 $2,175 $512.50
6th Year $1,523 $717 $2,240 $528.00
Your Reward Begins Three Years After Your CA$HBACK Anniversary Date, Paying you 25% of the First Year's Premiums and Continues to Pay You 25% Each Year After If you Remain Claim Free.   $543.75
Continues Each Year

CA$HBACK From ANPAC is not available in all states and some eligibility requirements apply. This web page is not a contract. It contains only a general description of the program and is subject to the terms and conditions of the program. ANPAC reserves the right to discontinue this program at any time.



American National Insurance Company

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company, Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (Texas), and ANPAC Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.


Osby Insurance operates exclusively in the State of Iowa


Copyright © 2014 Osby Insurance and Some Assembly Required.
All rights reserved.

Greg Osby

Greg Osby, CLU, ChFC
2400 86th St. Suite 29
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:

Des Moines, Urbandale, Clive, Windsor Heights, West Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston, Iowa

With ANPAC Five Star Claim ServiceSM you can be sure that your premium dollars will buy the protection you need and the prompt, courteous service that you deserve.

Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.