American National Insurance Company Review (Recommended)

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American National Insurance Company has excellent ratings and a long history of quality service to policyholders.

But, how do the company's life insurance products and customer service compare to other insurers?

And, what types of life insurance plans and policies are available through American National?

American National 

Insurance Company

In our experience, American National Insurance Company is among the best and highly recommended when comparing life insurance products and customer service within the industry. This article, American National Insurance Company Review (Recommended), provides an overview of the history, financials, ratings, rates, and other considerations when selecting a life insurance company.


American National Insurance Company

American National Insurance Company is an insurance and financial services company headquartered in Galveston, Texas.

A member of the American National group of companies, the organization was originally founded in 1905. The company offers a wide range of life, accident and health insurance, retirement annuities, pension services, and other products.

beach family american national insurance

American Nation insurance products and services are distributed through independent marketing organizations, career agents, and direct channels throughout all 50 states. The organization has over 3,000 employees based inTexas, Missouri, and New York.

As of 2018, American National’s annual highlights reported over $26 billion in assets, $103 billion of life insurance in force, and over 5 million policy holders worldwide.

According to Founder William Moody Jr., “"American National was to be 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.

American National by the Numbers

Years of Service
Policy Holders
In Force Life

Source: American National (2018)

American National Insurance Company Ratings

Industry ratings provide a method of assessing an insurance company’s overall financial stability.

These ratings allow consumers to compare competing companies based on independent analysis by respected rating agencies.

An organization’s financial strength ratings allow consumers to have confidence in the products and services offered, as well as the credit worthiness of the underlying company.

blue ribbon american national insurance

American National Insurance Company holds an “A” (Excellent) rating with A.M. Best, as well as a strong rating with Standard & Poor's. American National industry financial strength ratings have been provided below for review. 

american national financial strength ratings

Source: American National (2018)

American National Life Insurance Products

American National has a long history of offering quality insurance products and services providing security and peace of mind to consumers nationwide.

The company’s life insurance product portfolio includes a variety of both term and permanent coverage, with many policy types offering non-medical underwriting.

doors american national insurance policy options

Life insurance products available through American Nation Insurance Company include the following.

Term Life Insurance

  • 10, 15, 20, or 30-year periods
  • Competitive premium pricing
  • Guaranteed level premiums
  • Living benefit riders available
  • Convertible to permanent

Universal Life Insurance

  • Flexible premium rates
  • Flexible policy benefits
  • Accelerated benefit options
  • Living benefit riders available
  • Cash value accumulation

Indexed Universal Life Insurance

  • Flexible premium rates
  • Flexible policy benefits
  • Accelerated benefit options
  • Cash value accumulation
  • Upside index potential

Whole Life Insurance

  • Fixed premium rates
  • Fixed policy benefits
  • Accelerated benefit options
  • Cash value accumulation

The following chart provides highlights of features and benefits associated with different types of life insurance policies offered by American National Insurance Company.

american national insurance policy options

American National Life Insurance Rates

In comparing life insurance premiums among top rated companies, consumers must balance product price and company quality. American National offers policy holders both excellent ratings and extremely competitive pricing. Based on these factors, American National Insurance Company is often a carrier of choice among independent agents and brokers. The sample rates below have been provided as an example of American National insurance non-medical premiums.

Sample American National Life Rates

american national insurance male rates
american national insurance female rates

Note: Sample rates provided are based on rate information at the time of publication and are subject to change without notice. Company underwriting makes the final decision concerning rate class and/or policy approval.

Need American National life insurance?

Our team can assist in choosing the right type of policy, appropriate amount of coverage, and best insurance company for your situation. Get the coverage you need at rates you can afford. Give us a call at (800) 770-8229, or request an instant quote today!