Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Aug 23, 2021

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The Facts of Life

  • Both American Amicable and American National companies are insurance providers in the United States
  • They have both received A ratings from AM Best
  • American National offers more life insurance policy types than American Amicable, including indexed universal life insurance
  • American Amicable offers lower prices for life insurance policies than American National

American Amicable and American National are life insurance companies in the United States.

The American Amicable life insurance company has been operating for 100 years. With praises from its customers and high ratings, the company offers low prices for whole life and term life insurance options.

The American National insurance company incorporates companies that provide insurance services and insurance products and operates in 50 states. It was started in 1905, and its headquarters are based in Galveston, Texas.

To get more information comparing the American Amicable vs. American National life insurance company, continue reading this review. Enter your ZIP code in our free comparison tool below to get life insurance quotes from companies near you.

How much are American Amicable vs. American National life insurance rates?

An average non-smoker in good health can anticipate spending $15 to $60 per month depending on term length, death benefit, gender, and age.

The average cost for American Amicable life insurance policies is likely to be around $120, covering clients 25-65, with rates that start as low as $11.61 per month.

Take a look at the table below to see how American Amicable life insurance rates compare to American National life insurance rates for a 20-year term life insurance policy with a $100,000 death benefit:

AgeMonthly American Amicable Term Life Insurance RatesMonthly American National Term Life Insurance Rates
30$14.48$16.16
40$19.98$21.51
50$39.06$43.63
60$88.47$108.95
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As you can see, American Amicable has cheaper life insurance rates on average.

How can I get American Amicable vs. American National life insurance quotes?

American Amicable or American National life insurance quotes are not available on either company’s website. You will have to contact one of the company’s agents to request a quote and discuss your options.

If you are shopping for life insurance quotes, it’s important to compare multiple companies beyond American Amicable vs. American National. It’s recommended that consumers compare at least three different companies in order to find the most affordable life insurance coverage. If you would like to compare life insurance quotes from multiple companies in your area, take advantage of our free quote comparison tool below. 

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What life insurance products does American Amicable vs. American National offer?

American Amicable offers several types of life insurance policies, including, term life insurance, whole life insurance, and universal life insurance.

American National offers term life insurance, whole life insurance, universal life insurance, indexed universal life insurance, and guaranteed universal life insurance.

American Amicable Life Insurance Products

American Amicable offers different types of term life insurance, which lasts for a certain period of time. Typically, it can be purchased in 10, 15, 20, 25, or 30-year terms. If you die before the maturity period, your beneficiaries or family will be given the death benefits.

The American Amicable life insurance company provides express term insurance, which means that the underwriting process does not require medical exams. The premiums are fixed, which means they remain the same for the entire term.

Another type of term life insurance policy offered by American Amicable is a group plan provided to individuals 18-65 old who are employed by the government, hospital employees, first responders, or railroad employees.

American Amicable also offers whole life insurance, which is a permanent life insurance policy. Your whole life insurance premiums can go toward accumulating cash value, as well as a guaranteed death benefit, s long as you pay your premiums on time.

American Amicable also offers two types of universal life insurance:

  • Non-Medical Universal Life Insurance: It provides adjustable benefits and flexible premiums. As an added advantage, you can qualify for this plan without blood work or medical exams.
  • Standard Universal Life Insurance: This policy requires blood work and a medical exam. However, it offers adjustable benefits and flexible premiums with cash value growth potential.

Universal life insurance has flexible, adjustable premiums with living benefits and cash value that grows according to interest rates and investment options.

American National Life Insurance Products

American National’s term life insurance is available in 5, 10, 15, 20, and 30-year terms. Its policies are convertible to permanent life insurance.

With American National whole life insurance, your loved ones are guaranteed to receive benefits after your death. Premiums are fixed, so they never go up. You may also receive dividends, which can be used to grow your cash value.

American National also offers two types of universal life insurance:

  • Indexed universal life insurance has many of the same benefits as universal life insurance, but it also allows your cash value to grow with the interest rate of a major index, such as the S&P 500.
  • Guaranteed acceptance life insurance gives policyholders the ability to customize the length of their policy and add on riders that can offer financial protection.

Universal life insurance is similar to whole life insurance in that it is a permanent policy, but universal life insurance gives you a chance to adjust your death benefit and premiums as needed. It also allows you to borrow against your cash value for large purchases.

How do American Amicable vs. American National consumer ratings compare?

Ratings are very important when it comes to choosing a life insurance company. The cheapest business may not be the most dependable. Let’s examine the reviews and ratings for American National vs. American Amicable life insurance.

AM Best assesses the financial strength of insurance companies. The scale of ratings ranges from A++ to D. Both American Amicable and American National earned an A, indicating that they are outstanding at meeting financial commitments and fulfilling claims.

The Better Business Bureau assigns grades ranging from A+ to F. American Amicable has an A+ rating. American National has not received a rating from the BBB.

How can I contact American Amicable or American National or file claims?

Filing American Amicable life insurance claims begins by downloading the form on the company’s website. You can call (800) 736-7311 or email [email protected] for help with the process.

American Amicable’s mailing address is PO Box 2549, Waco, TX 76702.

American National life insurance claims can be initiated by calling (800) 615-7372. You can also access the forms you need on the American National website.

You can also contact American National customer service by calling (800) 899-6806 or (800) 306-2959 for variable life insurance policyholders. Its fax number is (409) 621-7505. You can also email American National at [email protected]

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Should I buy American Amicable or American National life insurance?

American Amicable and American National offer similar life insurance products, but American Amicable life insurance rates are cheaper. However, American National offers a few more policies with higher growth potential.

American National also seems to be more transparent about their policy options on their website. However, both companies have good financial strength ratings, and each has been in business for a long time.

Most of the choice between American Amicable and American National is a personal preference. If you’re unable to find affordable American Amicable or American National life insurance where you live, enter your ZIP code below into our free quote comparison tool to compare life insurance companies in your area.