American National Life Insurance Review

Rating: 8.9 / 10 (Excellent)
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Founded in 1905, American National Life is a licensed insurance company based in Galveston, Texas. American National provides whole, term, and universal life insurance policies for customers in all 50 states, the District of Columbia, American Samoa, and Puerto Rico. The company holds an A rating with both S&P and A.M. Best.

How is American National rated?


Financial Strength
Customer Experience

Overall Rating: 8.9 / 10 (Excellent)

American National, one of the most trusted insurance carriers in the country, has been providing life, health, and annuity products since 1905. Although they don't offer the most innovative products on the market, they do deliver a broad range of term, whole, and universal life insurance alternatives that can be customized with a good number of optional riders.

Financial Strength

Key Details

American National Insurance Company
Marketshare 2016
Premiums Written 2016
Standard & Poor's Financial Rating
AM Best Financial Rating

Financial Strength - 9 / 10

American National Insurance Company boasts an excellent financial reputation and outstanding credit ratings. They have received a financial strength rating of A (Excellent) from A.M. Best as well as an issuer credit rating of A (Strong) from S&P. The company has made Forbes 2017 list of Americas most trustworthy financial companies.
*The above information reflects the financial strength of the underwriter of the American National life insurance policies: American National Insurance Company.

Reputation & Customer Experience

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
NAICS Total Complaints 2016
*The NAICS complaint ratio (in this case 0.83) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

Number of BBB Negative Reviews
Date Collected

Customer Experience - 9 / 10

American National Insurance Company currently holds an A+ rating with the Better Business Bureau and was found to below the 2016 national median complaint ratio for individual life policies, according to the NAICS. Although this doesn't give the company a great advantage regarding customer experience points, they do seem to be among the better carriers in the market.

American National Policies

American National offers customers the following life insurance policies: Term, Whole Life, Universal Life, Variable Universal Life, Indexed Universal Life. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the American National Term Life policy.

Term Life Insurance

Available Terms
10 year
15 year
20 year
30 year

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Level Premiums
  • Guaranteed Renewability

Policies - 8.5 / 10

American Life offers a broader than average range of life insurance products when compared to other carriers in the industry. Policies suit a variety of needs, such as whole, term, universal, indexed universal, variable universal, and credit life. They offer 10, 15, 20, or 30-year term options and coverages with level premium payments, convenient riders, and the option to convert term coverages into permanent insurance.

Flexibility & Available Riders

Available Riders

  • Disability Income Rider
  • Child Protection Rider
  • Terminal, Chronic and Critical illness Accelerated Benefit Riders

Flexibility - 9 / 10

Many of American National's policies can be customized with riders such as accelerated benefits, disability waivers of premium, children’s level term coverage, and guaranteed renewability. However, not all riders are available for all policies. All in all, the company provides less additional options than average when compared to others.

Additional Company Information

Homepage URL
Company Phone
(409) 763-4661
Headquarters Address
One Moody Plaza, Galveston, TX, 77550
Year Founded

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