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: Feb 20, 2021

Advertiser Disclosure

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 life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top 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.

Company Details
Address: 1 Moody Avenue
City: Galveston
State: Texas
ZIP Code: 77550
Phone Number: Main: 409-763-4661; Toll-Free: 1-800-899-6519
Year Founded: 1905
AM Best Rating: A
Company Rating 0 (0 reviews)

If you’re searching for a variety of insurance products, look into American National Insurance Company. American National life insurance is one of many insurance products you can get from the Texas-based company.

You can choose between term life insurance and permanent life insurance, and you can even bundle if you need a little more. But how much does American National life insurance cost?

Continue reading our American National life insurance review to learn more about American National life insurance quotes, other products, third-party ratings, how to file a claim, and the company’s general history.

If you’re having second thoughts about American National life insurance, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.

What products does the American National Insurance Company provide?

American National is a billion-dollar insurance company with several products for customers. Let’s look at a list of the available insurance options at American National.

  • Annuities
  • Auto Insurance
  • Business Insurance
  • Classic Car Insurance
  • Credit Protection for Collateralized Loans
  • Debt Cancellation/Protection
  • Farm & Ranch Insurance
  • Guaranteed Asset Protection
  • Health Insurance
  • Homeowners Insurance
  • Life Insurance
  • Recreational Insurance
  • Renters Insurance

As you can see, there are several products you can choose from, but we want to focus on getting you life insurance. Keep reading to learn more about the life insurance options at American National Insurance Company.

What products are offered by American National Life Insurance?

If you want to buy American National life insurance, you have to decide between five various products.

What life insurance policies does American National offer? Here’s a list of what you can buy from the company:

In addition to term life and permanent life insurance, you have access to life insurance riders. Riders are additional perks that can customize your term life insurance. For example, a “child rider” provides a death benefit if a child passes away suddenly.

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How much are American National life insurance rates?

Life insurance rates are determined by age, health, lifestyle, and the company you choose. Some companies provide sample life insurance quotes, but American National life insurance quotes are private.

However, we managed to capture American National life insurance rates for non-smokers and smokers who need a term life policy. Continue reading to see these term life insurance costs.

American National Life Insurance Rates for Non-Smokers

Life insurance for non-smokers generates cheaper quotes. Why? Smoking affects your health, and those who don’t smoke generally have better health. Does American National follow this trend? Let’s look at the American National life insurance rates based on age and coverage amount.

American National Term Life Monthly Insurance Rates by Age and Death Benefit (Non-Smokers)
Non-Smokers' Ages10-Year Term Life Monthly Insurance Rates with $100,000 Death Benefit10-Year Term Life Monthly Insurance Rates with $250,000 Death Benefit10-Year Term Life Monthly Insurance Rates with $500,000 Death Benefit
25$12$10$14
30$12$10$14
35$12$11$15
40$15$13$19
45$20$17$28
50$26$24$40
55$36$36$64
60$52$54$99
65$83$91$167
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Term life insurance increases as you get older. On average, you can save more money if you buy a term life policy with a $250,000 death benefit.

American National Life Insurance Rates for Smokers

Life insurance for smokers is more expensive. Your life insurance rates could double if you’re a smoker. Let’s see how American National calculates term life insurance for smokers.

American National Term Life Insurance Monthly Rates by Age and Death Benefit (Smokers)
Smokers' Ages10-Year Term Life Monthly Insurance Rates with $100,000 Death Benefit10-Year Term Life Monthly Insurance Rates with $250,000 Death Benefit10-Year Term Life Monthly Insurance Rates with $500,000 Death Benefit
25$22$29$49
30$23$30$52
35$25$31$56
40$32$45$80
45$47$63$116
50$69$92$169
55$99$133$253
60$143$200$386
65$211$310$597
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American National life insurance rates are nearly doubled for smokers. Life insurance for smokers is cheapest when you’re between 25 and 35 years old.

How do you file an American National life insurance claim?

Do you have an American National life insurance policy? If the answer is yes, follow these steps to file a claim:

  • Step 1 – Visit https://www.americannational.com/
  • Step 2 – Click “Claims” and go to the “Claims Center” webpage
  • Step 3 – Report your claim by calling 1-800-615-7372
  • Step 4 – Download and fill out forms. Return completed forms to American National by email or mail in your documents.
  • Step 5 – Track your claim by email (American National life insurance claim email address: [email protected]).

American National has emails for other insurance products, also. Be sure to have your policy number or claim number ready when you contact American National representatives.

American National Insurance: Financial Strength and Credit Ratings

According to AM Best, American National has an “A” rating. What does that mean? The “A” rating from AM Best means a company has a stable financial outlook. But what about the credit ratings? S&P Global is a reliable agency that tracks a company’s credit ratings.

Credit ratings report the investment risk for insurance companies.

This is particularly important for those who want an indexed universal life insurance policy. Currently, American National has an “A” rating at S&P Global.

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American National Insurance Company History

The American National Insurance Company was founded in 1905 by William Lew Moody, Jr. It provides insurance in all 50 states and Puerto Rico. American National also has seven subsidiaries across the United States.

However, the company’s bread and butter is its presence in the trade market. Despite the COVID-19 pandemic, the company is still a strong insurance company.

American National Life Insurance: The Bottom Line

So what are the pros and cons of American National life insurance? American National is an excellent insurance company with many products, standard life insurance rates, and strong financial standing.

With millions in assets and billions in revenue, American National has earned its stake as one of the best life insurance companies in the United States. However, it may not be as good as other competitors. Especially for your specific situation.

Enter your ZIP code in the free comparison tool below to compare life insurance quotes from multiple companies in your area if you’re not satisfied with the American National life insurance rates you saw in this guide.