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American National

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4 User Reviews

American National offers term, credit, whole, universal, and indexed universal life insurance. From this selection of policies, customers should be able to find a policy that meets their needs.

American National’s policies are available in all 50 states and Puerto Rico. American National was founded in 1905 and has earned high financial ratings from A.M. Best and Standard and Poor’s.


The Good

  • Term Life Insurance Policy Variety
  • Permanent Life Insurance Policy Variety

Term Life Insurance Policy Variety

American National’s term policies come in lengths of 10, 15, 20, or 30 years with consistent premiums throughout the term. The policies also have the ability to convert to a permanent life insurance policy later.

The ability to turn into a permanent policy is a common term rider on policies called term conversion.

American National’s credit life insurance provides coverage for debt payments during the length of the policy. There is no wait time for coverage to be in effect.

The amount of coverage is flexible and can be smaller or larger depending on the debt amount. Instead of paying the death benefit to beneficiaries, the death benefit is paid directly to creditors if the insured passes away.

Permanent Life Insurance Policy Variety

American National offers whole life insurance, universal life insurance, and indexed universal life insurance

Whole life insurance comes with a fixed premium and the ability to grow cash value from the policy that can be borrowed against in some cases. The whole life policies also have a guaranteed death benefit because the benefit is fixed. The additional cash value of the policy can change over time, but the death benefit will remain the same.

American National's universal life insurance policy has more flexible premiums and the ability to increase the death benefit. It also accrues cash value that can be used for loans. If the loans are not repaid, it will affect the death benefit value.

American National’s universal life insurance policies can also be customized with the following riders:

  • Accelerated death benefit
  • Disability premium waivers
  • Children’s level term

The accelerated death benefit rider makes early payouts of the death benefit in the event the insured is diagnosed with a terminal illness. The accelerated benefit can be used to cover medical expenses.

Indexed universal life insurance policies have the same features and optional riders as universal life insurance policies. The difference is that the policy funds are not directly invested in the stock market, so the risk is lower.


The Bad

  • Limited Online Information

Limited Online Information

American National’s website provides a good overview of the kinds of life insurance policies it has. It is unclear whether or not a medical exam is required as part of the underwriting process. For further information about life insurance rates, plan specifics, and the underwriting process, potential clients must reach out to American National directly.


The Bottom Line

American National is a good company to choose when purchasing life insurance. It has high financial ratings from A.M. Best.

American National provides good options for both term and permanent life insurance. It stands out for its offering of credit life insurance designed to provide a death benefit directly to creditors to pay off debt.

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4 Reviews

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Nichole Hiatt Eagle Mountain, UT

We recently got life insurance through American National and the process was very smooth and simple. Our agent was super helpful in answering questions and giving us options, and we got a great rate.

1 year ago

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Aunt Cathy Bay Saint Louis, MS

We've had them since 1980, We got a 2nd policy in 1982 for hubs and son after he was born. Found out 22 yrs later that son was not covered after he turned 18. Didn't get my 4 yrs of pymts. We have met our "person" only once, in 2005, 2 mths after Hurricane Katrina . Not a peep since.

1 year ago

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Susan Harding Draper, UT

Agent was friendly and readily available to answer all my questions. Price seems fair.

1 year ago

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Sergio Provo, UT

We started to get random but “justified” charges to our policy that we had to paid for, which made absolutely no sense since we were always on time paying our premium but two weeks later we had to pay another substantial amount to them. Not happy. Switched over to another agency in a heartbeat.

1 year ago

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