American National Review StaffDec. 10, 2018

In a Nutshell

American National provides customers with an extensive selection of different policy options, and stands out by including different riders that can tailor each policy to specific holders while offering guaranteed no-exam life policies. With impressive customer support and over 110 years of experience, American National is a brand that you can trust.


  • Choose from 4 different term life options
  • An equity-like structure that delivers yearly dividends


  • Only offers preliminary quotes online
  • No online portal for application
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Best For?

Thanks to its diverse life insurance policies, American National is an excellent choice if you prefer to compare your options before making a decision. Along with its traditional term and whole life policies, the company’s different universal life policies allow you to choose the exact combination of benefits that work for your specific requirements be it coverage or budget oriented. The company also provides guaranteed acceptance life insurance for older customers with its Legacy life policy, which makes it ideal for customers who are looking for the certainty of coverage throughout their retirement and twilight years.


American National allows you to customize most policies with different riders, including living benefits, disability waivers of premiums, children’s lever terms, and accelerated benefits. Term life policies can also include a rider for preservation of insurability to convert to whole life once a coverage term has expired. We were impressed to see that the company offers an extensive portfolio of investment options for customers who opt for the variable universal life policy.

Application Process

Applying for American National life insurance is a straightforward process, and is only handled over the phone. However, American National has licensed agents in its flagship office who call each individual after they get a quote, in order to review their personal needs, help them to determine their rate class and to continue the application process. To get started, call any of the company’s agents, regardless of your location, to get an initial quote. Once you find a policy that satisfies your needs, a service representative will help guide you through the next steps. The process requires the completion and return of several forms, as well as standard medical examinations. Once the forms are completed and approved, you’ll be covered shortly thereafter.

Policy Types and Terms

American National offers standard term and whole life insurance, but also several types of universal insurance, as well as credit life policies. Taken together, American National can fit the needs of a wide demographic, and supply a service designed to match several needs.

One aspect that stood out when reviewing American National is its term life policies. The company offers 4 different terms – 10, 15, 20, or 30 years – and its policies are competitively priced. American National does not list specific quote and premium information on its website, but you can easily find details by contacting one of the outstanding customer service representatives. The company does offer a preliminary quote to try to determine which class you fall into, but you need to call an agent to find out definitively. 

The company’s whole life policies offer fixed premiums for the duration of the policy, as well as cash values that accrue over time. One of the best aspects of this policy is that it enables users to borrow against the accrued cash value of policy during an emergency situation. On top of that, American National’s whole life policies allow you to choose a fixed benefit that guarantees coverage will be paid out no matter what happens.

Where American National truly shines is in its varied universal life policies. Its standard universal policy offers flexible premiums and benefits, which can be changed according to individual circumstances at any point during the duration of the insurance coverage. Additionally, borrowing against the policy is permitted alongside the addition of different riders such as disability waivers, children’s level term, and accelerated benefit.

You can also choose one of the following universal life options:

Signature Guaranteed: These universal policies allow for customization of coverage and term lengths, with options for cashing-out and accelerating benefits. These policies are great for providing income replacement and funeral/final expenses, if need be.

Signature Indexed: Coverage with these types of solutions can be tied to the performance of a stock index such as Nasdaq or the S&P 500, and can gain interest based on their performance. These policies do not charge a negative interest rate.

Help & Support

American National representatives are available for support via a toll-free number, as well as through the online policy access service. You can also contact representatives through an online ticket available on the website. The service agents are very knowledgeable when it comes to discussing the products available, and response times are very reasonable. The company also has an useful FAQ for more common questions, but it could be improved by adding some more detail.

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Originally based out of Galveston, Texas, American National has offered its insurance services for over 110 years and is currently licensed to operate in all 50 states. It provides a variety of different life insurance policies, including the traditional term and whole life policies. In addition, it provides several distinct universal policies that are an excellent fit if you're looking for something a little different.

American National stands out for its excellent customer support, as well as its highly rated financial stability. Some of the major ratings agencies in the United States hold the company in high regard, and American National is able to guarantee that it can pay out its claims quickly and fully.

Physical Address

One Moody Plaza

Galveston, TX


Phone: 877-697-0098 StaffJun. 18, 2019
Our editorial staff is comprised of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing a life insurance provider.
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