Ann Cortel was born in Frankfurt, Germany, one of three children and the only daughter in an Orthodox, comfortable middle-class family. Her father worked in the fine crystal business, and the household kept a kosher home and lit Shabbat candles. She had a beloved nanny, Miss Lucy Wagner, with whom she remained in contact for the rest of her life. As a young person Ann took part in a Zionist Jewish scouting organization that shaped her lifelong connection to Israel. As conditions worsened for Jews in Germany, her older brother emigrated to Israel and her younger brother to America. Ann herself went to England around 1938, working as an au pair and attending college.

Ann lived in England for about ten years. She married her first husband, Herbert, in 1942 and lived for a time in Scotland during the war, when her name was changed to Anne Hawley. Her parents, who had moved to Luxembourg and then wandered through Belgium, Holland, and toward Marseille, did not survive the Holocaust and died in a concentration camp. Herbert was shot and killed in April 1946 while working in Nuremberg, one year after the war ended. Widowed and having endured great loss, Ann came to Dallas in May 1947, joining her younger brother who had married a Dallas woman. She found her first sense of belonging at the Jewish Community Center, then on Pocahontas Street, joining the Twenty-Five Club and building a new life.

In 1949 Ann married Walter Cortel, a relative of Albert Einstein, whom she was privileged to meet several times. She built a successful career in sales, at times running her own business, and raised two daughters, Nina and Karen, of whom she was immensely proud. Walter died of cancer in November 1971, the same year Ann herself was treated for breast cancer, and the couple recovered side by side at Baylor Hospital. Through bridge, work, travel with her daughters, and community service, Ann learned to carry on. She served as president of the Neighbors Women, was active in the Brandeis University Women's Club and the Jewish Community Center, and worked to instill Jewish identity in her children and grandchildren so that her parents would not have died in vain.