Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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The Truth in a Nutshell

  • American National has a small life insurance program compared to the best companies
  • A 10-Year term life insurance with $250,000 death benefits is about $10/mo at American National
  • AM Best and S&P Global awarded American National life insurance an “A” rating

The American National Life Insurance Company is part of American National Insurance Company, which earned over $1.6 billion in 2020. Under the right circumstances, you can secure affordable American National life insurance.

How do you buy American National life insurance? And why is life insurance so expensive?

Don’t worry – we’re here to help. Our short guide explains how to find cheap American National life insurance quotes, what insurance products are available, and American National’s current third-party ratings.

Continue reading to learn more about American National life insurance rates. Enter your ZIP code in the free online quote tool above to compare multiple companies in your local area to secure the best rates.

What are American National life insurance products?

American National has five life insurance policies. Let’s see what your options are at American National Insurance Company:

  • Whole Life Insurance
  • Term Life Insurance (5, 10, 15, 20, and 30-Year terms available)
  • Universal Life Insurance
  • Indexed Universal Life
  • Guaranteed Universal Life

American National life insurance has five term life insurance policies and four permanent life insurance policies. If you choose term life insurance, you’ll have an option to choose between five and 30-year terms.

You can also renew your term life insurance when it ends or convert your policy to another term period.

What other insurance products can you buy at American National?

American National has several other insurance products, including an American National annuity program. Let’s examine a list of available insurance products.

  • Accidental Death & Dismemberment
  • Annuities
  • Auto Insurance
  • Business Insurance
  • Classic Car Insurance
  • Collateral Protection Insurance
  • Credit Involuntary Unemployment Insurance
  • Credit Life and Credit Disability Insurance
  • Credit Property Insurance
  • Debt Cancellation/Protection
  • Farm & Ranch Insurance
  • Guaranteed Asset Protection
  • Health Insurance
  • Homeowners Insurance
  • Renters Insurance
  • Recreational Insurance
  • Vendor’s Single Interest Insurance

Although American National has a small life insurance presence compared to the top companies, it’s a powerhouse that provides over two dozen insurance products. And you can manage your account online using your American National login.

But how much is American National life insurance? Read on to learn more about American National life insurance costs.

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How much are American National life insurance rates?

American National offers nine life insurance policies, but unfortunately, the company does not list its permanent life insurance rates online. However, we found term life insurance rates for a 10-year term with $250,000 death benefits.

Let’s see how age and gender affect this policy type:

American National Term Average Monthly Life Insurance Rates by Age, Gender, and $250K Death Benefits
Age of Non-Smoking PolicyholderAmerican National Monthly Rates Based on 10-Year/$250K Policy (Female)American National Monthly Rates Based on 10-Year/$250K Policy (Male)
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There isn’t a significant price gap between male and female policyholders. Usually, females pay less because they have a higher life expectancy, but senior customers have a price gap that’s $20 or more.

Does American National life insurance have any good ratings?

Before you purchase an American National insurance policy, look at the company’s financial strength and customer complaints.

According to A.M. Best, American National and its subsidiaries have an “A” rating. This means American National Life Insurance Company of Texas and New York have a stable financial outlook and an excellent ability to meet obligations to customers.

American National life insurance also has an “A” rating under S&P, which essentially reports the same thing as A.M. Best.

What about customer complaints? According to the National Association of Insurance Commissioners (NAIC), American National has 16 complaints. However, the rate of those complaints is lower than average.

American National Life Insurance Company Review

Let’s explore a company overview to show you a few general details about American National.

  • Company Name: American National Insurance Company
  • Company Address: 1 Moody Plaza, Galveston, TX 77550
  • American National Life Insurance Phone Number: 1-800-392-0644
  • Company Website:

American National was founded in 1905. It’s been in business for 116 years and has locations across the United States, American Samoa, and Puerto Rico.

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American National Life Insurance: What’s the bottom line?

If you’re a policyholder between 25 and 49, you’ll have cheaper term life insurance rates. While it’s unknown how much you’ll pay for whole life insurance and universal life insurance, expect to pay more since these policies come with life-long perks.

Now that you know more about American National life insurance, you’re ready to compare companies near you. Use our free comparison tool below to compare the best insurance companies in your local area.