American National Life Insurance Review


Rating: 7.9 / 10 (Very good)
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How is American National rated?
8/10
Financial Strength
8/10
Customer Experience
7/10
Policies
8/10
Flexibility
8/10
Help and Support
8/10
Online Presence

American National Life Insurance is a leading American Insurance Corporation based in Galveston, Texas. The company is licensed in all 50 states, District of Columbia, American Samoa, and Puerto Rico. American National Life Insurance offers personalized services to policyholders giving them a wide variety of insurance products including 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.

Plan Details

Features

  • Fixed premiums
  • Fixed benefits
  • Accumulation of cash value
  • Custom selection for Tel Life Insurance of 10, 15, 20, or 30 years
  • Insurability preservation for converting to permanent insurance
  • Ability to customize coverage with a variety of riders including living benefits
  • Loan access
  • Upside potential
  • Multiple investment options offered to meet specific needs

*Features varies on the type of Life Insurance purchased by a customer

Life Insurance Plans Offered

Whole Life

  • Lifetime protection
  • Fixed premium
  • Fixed benefit
  • Accumulation of cash value

Term Life

  • Enables customers to customize coverage with riders like living benefits
  • Choose from 10, 15, 20, or 30 years whichever fits your needs
  • Level premium payments
  • Preservation of insurability for converting to permanent insurance in the future
  • Cost-effective coverage for only the time needed by the client

Universal Life

  • Optional riders such as disability waivers of minimum premium or stipulated premium, children’s lever term, and accelerated benefits
  • Customers can have loan access where they can borrow against a portion of their policy’s cash value to meet sudden financial needs
  • Flexible premiums
  • Flexible benefits
  • Interest-rate sensitive policy

Variable Universal Life

  • Customers can have loan access where they can borrow against a portion of their policy’s cash value to meet sudden financial needs
  • Allows customers to increase or decrease the death benefit corresponding to their specific situation
  • Flexible premiums
  • Optional riders such as disability waivers of minimum premium or stipulated premium, children’s lever term, and accelerated benefits
  • Offers multiple investment options that meets the individual needs of each client

Indexed Universal Life

  • Optional riders such as disability waivers of minimum premium or stipulated premium, children’s lever term, and accelerated benefits
  • Flexible premiums
  • Flexible benefits

Customers can have loan access where they can borrow against a portion of their policy’s cash value to meet sudden financial needs

  • Upside potential where policies may be credited with all or a portion of the gain from the index

American National Life Insurance – Final Thoughts

With more than century of professional experience in insuring families, Garden State Life Insurance stands out with its personalized services that makes shopping for life insurance easy and hassle free. With a complete range of life insurance products and optional riders, Garden State Life Insurance is a one-stop-shop for life insurance.  

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