American National Variable Life Separate Account Sample Contracts

PARTICIPATION AGREEMENT
Participation Agreement • April 27th, 2006 • American National Variable Life Separate Account • Delaware
Among
Participation Agreement • May 24th, 1999 • American National Variable Life Separate Account • Massachusetts
Among
Participation Agreement • April 24th, 1998 • American National Variable Life Separate Account • Massachusetts
Automatic Reinsurance Agreement on a Monthly Renewable Term Basis effective between
Automatic Reinsurance Agreement • May 1st, 2003 • American National Variable Life Separate Account • Texas
Among
Participation Agreement • May 24th, 1999 • American National Variable Life Separate Account • Maryland
Automatic Self Administered YRT Reinsurance Agreement between American National Insurance Company One Moody Plaza, Galveston, TX 77550(hereinafter referred to as the “Ceding Company”) and General & Cologne Life Re of America Stamford, CT(hereinafter...
Automatic Self Administered Yrt Reinsurance Agreement • April 29th, 2005 • American National Variable Life Separate Account • Texas

Commencement of Liability....................................................... 6 4.1 Automatic Reinsurance.................................................. 6 4.2 Facultative Reinsurance................................................ 6 4.3 Conditional Receipt or Temporary Insurance............................. 6

Law Offices Greer, Herz & Adams, L.L.P. a registered limited liability partnership including professional corporations One Moody Plaza Galveston, Texas 77550 Galveston (409) 765-5525 Houston (713) 480-5278 Telecopier (409) 766-6424 April 27, 2012
Opinion and Consent of Counsel • April 27th, 2012 • American National Variable Life Separate Account

We are counsel to American National Insurance Company ("ANICO"), the depositor of the Separate Account. As such, we participated in the formation of the Separate Account and the registration of such Separate Account with the Securities and Exchange Commission. Accordingly, we are familiar with the corporate records, certificates, and consents of officers of ANICO as we have deemed necessary or appropriate for the purpose of this opinion.

AMONG
Participation Agreement • March 4th, 1998 • American National Variable Life Separate Account • Maryland
Amendment No. 1 to the Automatic Self Administered YRT Reinsurance Agreement Effective June 1, 2003 (hereinafter referred to as "Agreement")
Automatic Self Administered Yrt Reinsurance Agreement • May 1st, 2008 • American National Variable Life Separate Account

It is hereby declared and agreed that effective December 31, 2004, Exhibit E Reinsurance Premiums shall be replaced by the attached Exhibit E Reinsurance Premiums in order to update the Agreement.

Law Offices Greer, Herz & Adams, L.L.P. a registered limited liability partnership including professional corporations One Moody Plaza Galveston, Texas 77550 Galveston (409) 765-5525 Houston (713) 480-5278 Telecopier (409) 766-6424 April 28, 2015
Opinion and Consent of Counsel • April 28th, 2015 • American National Variable Life Separate Account

RE: American National Variable Life Separate Account (“Separate Account”) Post-Effective Amendment No. 22 to Form N-6; File No. 333-53122; Opinion and Consent of Counsel

Yearly Renewable Term Reinsurance Agreement between AMERICAN NATIONAL INSURANCE COMPANY One Moody PlazaGalveston, Texas 77550 (hereinafter referred to as the "Ceding Company") and Transamerica Occidental Life Insurance Company Cedar Rapids, Iowa...
Yearly Renewable Term Reinsurance Agreement • April 29th, 2005 • American National Variable Life Separate Account • Texas

ARTICLES 1 Preamble 2 Automatic Reinsurance 3 Facultative Reinsurance 4 Commencement of Liability 5 Reinsured Risk Amount 6 Premium Accounting 7 Reductions, Terminations and Changes 8 Conversions, Exchanges and Replacements 9 Claims 10 Credit for Reserves 11 Retention Limit Changes 12 Recapture 13 General Provision 14 DAC Tax 15 Offset 16 Insolvency 17 Error and Omissions 18 Dispute Resolution 19 Arbitration 20 Confidentiality 21 Duration of Agreement 22 Execution

Distribution and Administrative Services Agreement
Distribution Agreement • April 26th, 2013 • American National Variable Life Separate Account • Texas

This Distribution and Administrative Services Agreement (“Agreement”) is made and entered into on this 4th day of September, 2012 (the “Effective Date”), by and among ANICO Financial Services. Inc., a Texas corporation (“Distributor”), and American National Insurance Company, a life insurance company domiciled in the state of Texas (“Company”), on its own behalf and on behalf of the separate accounts listed on Schedule A (“Separate Accounts”). The capitalized terms used in this Agreement and not otherwise defined have the meanings specified by Article 10.

Exhibit (g) (4) Munich American Reassurance Company Automatic Reinsurance Agreement effective March 1, 2003
Automatic Reinsurance Agreement • April 30th, 2004 • American National Variable Life Separate Account • Texas
AMONG
Participation Agreement • April 24th, 1998 • American National Variable Life Separate Account • Maryland
Law Offices Greer, Herz & Adams, L.L.P. a registered limited liability partnership including professional corporations One Moody Plaza Galveston, Texas 77550 Galveston (409) 765-5525 Houston (713) 480-5278 Telecopier (409) 766-6424 April 26, 2006
Opinion and Consent of Counsel • April 27th, 2006 • American National Variable Life Separate Account

RE: American National Variable Life Separate Account ("Separate Account") Post-Effective Amendment No. 10 to Form N-6; File No. 333-47321; Opinion and Consent of Counsel

Termination of Distribution and Selling Agreement
Termination of Distribution and Selling Agreement • April 26th, 2013 • American National Variable Life Separate Account

This termination will be governed by and construed in accordance with the laws of the State of Texas without regard to principals of conflicts of law. This termination constitutes the entire agreement and understanding of the parties with respect to the termination of the Agreement and supersedes all oral communication and prior writings with respect thereto. No amendment, modification or waiver of this termination will be effective unless in writing and executed by each of the parties hereto.

Distribution and Selling Agreement
Distribution Agreement • May 2nd, 2011 • American National Variable Life Separate Account • Texas

This Distribution and Selling Agreement (“Agreement”) is made and entered into on this 31st day of December, 2010 (the “Effective Date”), by and among Securities Management and Research, Inc., a Florida corporation (“Distributor”), and American National Insurance Company, a life insurance company domiciled in the state of Texas (“Company”), on its own behalf and on behalf of the separate accounts listed on Schedule A (“Separate Accounts”). The capitalized terms used in this Agreement and not otherwise defined have the meanings specified by Article 10.

Law Offices Greer, Herz & Adams, L.L.P. a registered limited liability partnership including professional corporations One Moody Plaza Galveston, Texas 77550 Galveston (409) 765-5525 Houston (713) 480-5278 Telecopier (409) 766-6424 April 29, 2005
Opinion and Consent of Counsel • April 29th, 2005 • American National Variable Life Separate Account

RE: American National Variable Life Separate Account ("Separate Account") Post-Effective Amendment No. 6 to Form N-6; File No. 333-79153; Opinion and Consent of Counsel

GREER, HERZ & ADAMS, L.L.P. A LIMITED LIABILITY PARTNERSHIP INCLUDING PROFESSIONAL CORPORATIONS ATTORNEYS AT LAW GALVESTON OFFICE: ONE MOODY PLAZA, 18TH FLOOR GALVESTON, TEXAS 77550 (409) 797-3200 GREGORY S. GARRISON (409) 797-3248...
Post-Effective Amendment • April 29th, 2016 • American National Variable Life Separate Account

We are counsel to American National Insurance Company (“American National”), the depositor of the Separate Account. As such, we participated in the formation of the Separate Account and the registration of such Separate Account with the Securities and Exchange Commission. Accordingly, we are familiar with the corporate records, certificates, and consents of officers of American National as we have deemed necessary or appropriate for the purpose of this opinion.

GREER, HERZ & ADAMS, L.L.P. A LIMITED LIABILITY PARTNERSHIP INCLUDING PROFESSIONAL CORPORATIONS
Opinion and Consent of Counsel • April 27th, 2017 • American National Variable Life Separate Account

We are counsel to American National Insurance Company (“American National”), the depositor of the Separate Account. As such, we participated in the formation of the Separate Account and the registration of such Separate Account with the Securities and Exchange Commission. Accordingly, we are familiar with the corporate records, certificates, and consents of officers of American National as we have deemed necessary or appropriate for the purpose of this opinion.

ARTICLE I DEFINITIONS
Fund Participation Agreement • April 24th, 1998 • American National Variable Life Separate Account • New York
Amendment No. 2 to the Automatic Self Administered YRT Reinsurance Agreement effective July 1, 2006 (hereinafter referred to as "Agreement") between American National Insurance Company (hereinafter referred to as "Ceding Company") and Munich American...
Automatic Self Administered Yrt Reinsurance Agreement • April 30th, 2010 • American National Variable Life Separate Account

It is hereby declared and agreed that effective January 1, 2009, Exhibit B Plans Covered and Binding Limits and Exhibit C Reinsurance Premiums shall be replaced by the attached Exhibit B Plans Covered and Binding Limits and Exhibit C Reinsurance Premiums in order to update the Agreement.

AUTOMATIC AND FACULTATIVE YEARLY RENEWABLE TERM REINSURANCE AGREEMENT Effective November 1, 1997 Between AMERICAN NATIONAL INSURANCE COMPANY (“Ceding Company”) One Moody Plaza Galveston, Texas 77550 And SECURITY LIFE OF DENVER INSURANCE COMPANY...
Yearly Renewable Term Reinsurance Agreement • April 29th, 2005 • American National Variable Life Separate Account • Texas

This reinsurance Agreement constitutes the entire Agreement between the parties with respect to the business being reinsured hereunder and there are no understandings between the parties other than as expressed in this Agreement.

Amendment No. I to the Automatic Self Administered YRT Reinsurance Agreement effective April 14, 2008 (hereinafter referred to as "Agreement") between American National Insurance Company One Moody Plaza, Galveston, TX 77550 (hereinafter referred to as...
Automatic Self Administered Yrt Reinsurance Agreement • April 30th, 2010 • American National Variable Life Separate Account

It is hereby declared and agreed that effective January 1, 2009, Exhibit B Plans Covered and Binding Limits and Exhibit C Reinsurance Premiums shall be replaced by the attached Exhibit B Plans covered and Binding Limits and Exhibit C Reinsurance Premiums in order to add a Variable Universal Life product using the existing reinsurance terms.

AUTOMATIC YRT REINSURANCE AGREEMENT ("AGREEMENT") Between AMERICAN NATIONAL INSURANCE CO. (A corporation organized under the laws of the state of Texas, having its principal place of business in Galveston, Texas; hereinafter referred to as the CEDING...
Reinsurance Agreement • April 30th, 2010 • American National Variable Life Separate Account

Article 1; Parties and Scope of Agreement 1 D. Automatic Coverage 1 E. Exceptions to Automatic Coverage 2 F. Retention Warranty and Underwriting Representations 2 Article 11, Commencement and Termination of Liability 4 Article 111, Oversights and Clerical Errors 5 Article IV, Plan of Reinsurance 6 Article V, Reinsurance Premiums 6 Article VI, Reinsurance Administration 8 Article VII, Settlement of Claims 10 Article VIII, Policy Changes 13 A. Changes 13 B. Reinstatements 13 C. Continuations 13 Article IX, Terminations and Reductions 14 Article X, Inspection of Records 15 Article XI, Insolvency 16 Article XH, Negotiation 17 Article XIIL Arbitration 18 Article XIV, Right to Offset Balances Due 19 Article XV, Taxes 20 Article XVI, Confidentiality 21 Article XVH, Entire Agreement 22 Article XVHI, Severability and Article Names 23 Article XIX, Duration of Agreement 24 Article XX, Change of Control 25 Article XXI, Other Provisions 26 A. Notifications 26 B. Assignment 26 D. Survival 26 E. No W

Law Offices Greer, Herz & Adams, L.L.P. a registered limited liability partnership including professional corporations One Moody Plaza Galveston, Texas 77550 Galveston (409) 765-5525 Houston (713) 480-5278 Telecopier (409) 766-6424 April 29, 2005
Opinion and Consent of Counsel • April 29th, 2005 • American National Variable Life Separate Account

RE: American National Variable Life Separate Account ("Separate Account") Post-Effective Amendment No. 4 to Form N-6; File No. 333-53122; Opinion and Consent of Counsel

Law Offices Greer, Herz & Adams, L.L.P. a registered limited liability partnership including professional corporations One Moody Plaza Galveston, Texas 77550 Galveston (409) 765-5525 Houston (713) 480-5278 Telecopier (409) 766-6424 April 26, 2006
Opinion and Consent of Counsel • April 27th, 2006 • American National Variable Life Separate Account

RE: American National Variable Life Separate Account ("Separate Account") Post-Effective Amendment No. 5 to Form N-6; File No. 333-53122; Opinion and Consent of Counsel

Law Offices Greer, Herz & Adams, L.L.P. a registered limited liability partnership including professional corporations One Moody Plaza Galveston, Texas 77550 Galveston (409) 765-5525 Houston (713) 480-5278 Telecopier (409) 766-6424 April 29, 2005
Opinion and Consent of Counsel • April 29th, 2005 • American National Variable Life Separate Account

RE: American National Variable Life Separate Account ("Separate Account") Post-Effective Amendment No. 8 to Form N-6; File No. 333-47321; Opinion and Consent of Counsel