American National Insurance Company

About American National Insurance Company

American National Insurance Company was founded in 1905 by William L. Moody, Jr. and is headquartered in Galveston, Texas. The Company has multiple subsidiaries and has operations in Springfield, Missouri; Glenmont, New York; League City, Texas; and San Antonio, Texas.

Throughout the company’s history, the Moody family members have maintained an active role in the direction of the company. Strong management and prudent reinvestment in the company’s growth have made the company a major provider of insurance and annuities.

American National offers a broad variety of life insurance, retirement annuities, accident and health insurance, pension plan products and services, credit insurance, and property/casualty insurance for personal lines, agribusiness and targeted commercial exposures. Products are distributed through career agents, independent marketing organizations and multiple line exclusive agents as well as direct distribution channels.

American National’s mission is to be the company of choice for insurance and other financial products and services while maintaining superior financial strength.

Our review for American National Insurance Company

American National is one of our favorite companies. They have amazing products, helpful employees, and are willing to work with people who have some health issues.

The customer service is extraordinary.

We often consult with the company's underwriters before applying to ensure clients get the best-priced policies.

Applications take about 30 minutes to complete over the phone, and an email signature is required.

American National products offer the best living benefit riders we have, for free. The Terminal, Chronic and Critical Illness riders allow you to withdraw from the policy's death benefit in the event of disability or significant medical expenses.

Regarding the Terminal illness rider, most companies allow access to the death benefit with a diagnosis of fewer than 12 months to live. American National products will enable you to withdrawal the death benefit with a diagnosis of fewer than 24 months. We have witnessed the joy this feature can bring a family.

The prices are not the lowest in the industry, though the free benefits that come with the policies make the products a steal.

We like this company's ethics.

Products of American National Insurance Company

Signature Term - No Med

This product is one of our most popular no medical exam products.

The medical exam requirement is waived for coverage amounts under $250,000. The maximum coverage amount is dependent on your age.

Living benefits are included free of charge and are the most comprehensive living benefits offered.
Terminal, chronic and critical illness riders allow you to withdraw the death benefit if you are disabled, have a major medical problem, or are diagnosed with less than 24 months to live.

This is a great product for those that have some medical conditions.

The application takes 30 minutes over the phone and digital signature is required to submit. 

Signature Term

Signature Term product is a great product that offers “living benefits” — benefits you can use while still alive.

The product is competitively priced, and the underwriters at American National do an amazing job of offering insurance to people with a medical history.

The application is thorough and takes about 30 minutes to complete. The company may request medical records from your physicians in order to make a decision.

Signature Simplified Issue Term

This is our go-to product in many scenarios. It includes free living benefit riders which make the product not only a life insurance policy, but also a disability or long term care policy. The benefits are not as comprehensive as stand only disability or long term care policies, though it is a valuable add-on that normally carries a large price.

This product often offers the best price after considering the health conditions of applicants.

The application takes 25 minutes to complete over the phone.

Signature Guaranteed UL

Signature Guaranteed UL can insure you to age 95 to 121, with a guaranteed death benefit. The application only takes about 25 minutes over the phone, and the service is exceptional.

This product comes with Critical and Chronic Illness riders, free of charge.