Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • American National provides term life, whole life, and universal life insurance
  • American National offers multiple riders
  • American National has been rated an A by A.M. Best

American National provides term life, whole life, and universal life insurance to customers in all 50 states. The company offers multiple riders to customize a policy and has fewer complaints than many competitors. Additionally, American National Life has been rated an A by A.M. Best.

Knowing more about American National Life Insurance will help you decide if the company is a good fit.

If you are in the market for life insurance, enter your ZIP code to get free life insurance quotes from multiple companies in your area.

What are the insurance rates?

The best way to determine if a company is affordable is by looking at its monthly rates. Life insurance companies use various factors when deciding on rates for customers. Some of these factors include:

  • Age
  • Gender
  • Health
  • Family history
  • Location

Since companies use multiple factors to determine rates, they must know specific information to provide an accurate quote. However, looking at a company’s average rates gives customers a good idea of how much they’ll pay.

The following chart shows the average monthly American National Life Insurance rates for a 20-year term at $250,000 by age and gender.

American National Life Insurance 20-Year Term $250,000 Policy Monthly Rates by Age for Males
AgeAmerican National Average Monthly Rates
25$13.61
35$15.12
45$29.16
55$66.10
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The following chart shows the same information for females.

American National Life Insurance 20-Year Term $250,000 Policy Monthly Rates by Age for Females
AgeAmerican National Average Monthly Rates
25$12.31
35$14.04
45$23.98
55$52.92
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As you can see, females can find more affordable American National Life Insurance than males. Additionally, rates increase as policyholders age.

Speak with an agent to get specific American National Life Insurance quotes for your demographic.

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What coverages are available from American National Life Insurance?

American National provides a wide range of life insurance options. The value usually ranges from $50,000 to $1 million, depending on the plan.

American National offers term life insurance in five, 10, 15, 20, and 30-year terms. These policies only last for a specified period, but customers can convert to a permanent plan using the same underwriting information.

Customers under 65 years old are also eligible for the Express Term plan. This no-medical-exam option offers coverage up to $250,000, and applicants can receive approval within 72 hours.

American National’s whole life policy offers a fixed death benefit, ensuring that rates won’t change. This plan builds cash value, but the company doesn’t guarantee dividends. However, American National has a history of paying dividends to customers anyway.

Universal life is another permanent life policy but has flexible rates. Customers can adjust their rates or benefits over time. You can also take out a loan against the plan’s cash value to pay for unexpected emergencies.

The indexed universal life plan also has flexible rates, features a cash value, and you can change the death benefit as needed. However, the growth depends on major stock indexes, like the S&P 500. Additionally, customers can earn credited interest based on the market’s performance.

Another feature of American National’s plan is that the policy will never have a negative interest rate. Poor market performance can lower the interest rate to 0% but no lower.

Does American National Life Insurance offer riders?

Most life insurance companies offer options that customers can add to a policy. These options are called riders and allow policyholders to customize a policy for more coverage. American National only offers three riders:

  • Accelerated death benefit
  • Children’s term
  • Disability waiver of premium

American National offers fewer riders than most competitors but enough that customers can obtain additional coverage. However, adding these riders to policies increases American National Life Insurance quote rates.

How is American National Life Insurance rated?

Credit rating agencies review and rate insurance companies on financial strength. These ratings allow customers to determine the likelihood of receiving a payout when they file a claim.

The American National Life Insurance Company has been given an A rating by A.M. Best and S&P. While not at the top of the scale, these ratings are solid and indicate that the company will provide a payout in most cases.

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Does American National Life Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about life insurance companies. These reviews allow customers to determine a company’s quality of service.

At the time of this review, the BBB has received 17 complaints about American National during the past three years. Of these 17 complaints, 15 were about its service, and two were about its billing practices.

According to the NAIC, American National has received 16 complaints. The company’s complaint index ratio of 0.49 indicates fewer complaints than the average company of a similar size.

How can you file American National Life Insurance claims?

Customers that buy American National Life Insurance can file claims online or by phone. To file a claim by phone, customers can call 800-615-7372. You can also fill out a form on the company’s website to file a claim online.

American National Insurance also allows policyholders to track the progress of their claims. Customers can do this by contacting the company at [email protected]

How can you make American National Life Insurance payments?

Like filing claims, American National Insurance allows customers to make payments online or by phone. Customers can make phone payments by calling 800-899-6806. Policyholders can make online payments by logging into their accounts and selecting the payment option.

Customers can also make payments by signing up for the ANPAC Easy Pay plan. Available to all American National customers, the Easy Pay program is an automatic, preauthorized electronic debit plan that makes payments directly from your bank account.

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How can you cancel a life insurance policy?

American National only allows customers to cancel a policy by phone. The company wants the opportunity to convince the customer to change their mind. You can cancel an American National policy by calling 800-899-6806.

Like most life insurance companies, American National offers a 10-day free-look period. Customers can cancel a policy at any time during those 10 days and avoid a cancellation fee. However, canceling a permanent policy after that period will likely result in a fee.

What are the pros and cons?

Like all insurance companies, American National has positives and negatives. Knowing these pros and cons will help you decide if American National is a company you should consider.

Positives of American National include:

  • Multiple policy options
  • Quick application acceptance
  • Multiple riders

Negatives of American National include:

  • Coverage is only available through an agent.
  • No guaranteed issue policies
  • Lack of payment options

The company offers term life and permanent life policies, and some plans feature acceptance within 72 hours. However, the lack of guaranteed-issue policies allows the company to deny coverage.

Who is American National Life Insurance?

The American National Insurance Company began in 1905 in Houston, Texas. It soon relocated to nearby Galveston, where the headquarters remain today. American National sells coverage to customers in all 50 states, Washington, D.C., American Samoa, and Puerto Rico.

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American National Life Insurance: The Bottom Line

American National provides life insurance to customers in all 50 states, Washington, D.C., and two territories. The company offers term life and permanent life insurance in addition to several riders.

Learning more about American National Life Insurance will help you decide if the company is right for you.

Now that you know about American National Life Insurance, see how they stack up agains the competion.

Enter your ZIP code to find affordable life insurance rates from the life insurance companies in your area.