For all your Credit Insurance Needs

  • Fast & Friendly Service

  • Expert Claims Administrators

  • Over 30 Years of Experience in the Credit Insurance Industry

Credit Insurance General Agency and Related Services, LLC (CIGAARS), was founded in 1999. CIGAARS specializes in serving the independent finance company market credit-related products including  Accidental Death and Dismemberment, Auto GAP Insurance, Credit Disability, Credit Life, Credit Property, Involuntary Unemployment Insurance, and Vendor's Single Interest. The management and staff of CIGAARS have been adjudicating claims of credit insurance products, for over 35 years.  CIGAARS has built a reputation as a consistent and reliable source of valuable information and has developed long term client relationships by supplying fast, friendly, and accurate service with financial security of "A" rated carriers.


Chartered in 1905, American National Insurance Company (ANICO) 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.