American National Life Insurance Company (ANICO or ANICO Direct) is one of the best no medical exam life insurance companies and one of the top final expense companies True Blue is proud to offer. American National continues to rank very high among the most affordable term life insurance providers and offers one of the highest policy face values without a medical exam in the industry. ANICO’s commitment to quality and affordability makes it one of the best life insurance carriers currently in the marketplace.
As a leader in life insurance innovation, American National strives to be the most competitive in the full medical exam and no medical exam marketplace by being the most aggressive in pricing, financial strength, and quality of product offerings.
American National Term Monthly Rate Example:
(40-year-old male, non-smoker, in California)
Coverage Amount | 10-Year Term | 20-Year Term | 30-Year Term |
---|---|---|---|
$50,000 | $14.21 | $17.02 | $24.19 |
$100,000 | $14.26 | $19.35 | $28.94 |
$250,000 | $27.86 | $40.61 | $64.58 |
Best For:
- Controlled type 2 diabetes diagnosed after age 50
- People with minimal health issues
- Sleep apnea
- Mild depression/anxiety
- Adult ADHD
Not Great For:
- People who use tobacco or have used it within the last 12 months
- People with type 1 diabetes or uncontrolled type 2 diabetes
Pros:
- Great living benefits
- Fully convertible
- No-exam policies available
- Up to $1 million in coverage with expedited underwriting
Cons:
- Longer-than-normal underwriting approval time for fully underwritten policies
Learn More About American National Life Insurance Plans
American National Signature Term (Including Xpress and Xpress Plus)
When it comes to affordable life insurance that doesn’t require a medical exam, it’s extremely hard to beat American National’s Signature Term. ANICO’s conservative pricing and generous face value helps make this company the power player it is in the no-medical-exam arena, with a highly competitive product and very affordable rates.
As with many other term products in the market, American National Life Insurance Company offers conversion of its term policies to a permanent policy. This is beneficial for customers who seek a cash value policy that lasts their entire life and accelerated benefits if the insured becomes terminally ill and needs access to the funds early to pay for medical costs associated with the illness.
Signature Term Xpress
For those who need life insurance and want it quickly, American National provides the Signature Term Xpress policy for coverage amounts up to $250,000. Signature Term Xpress offers exactly the same coverage and benefits as traditional Signature Term, with a quicker turnaround time. Underwriting decisions with Xpress are based primarily on answers to the application, along with the customer’s electronic medical records and prescription history. (Occasionally, other information may be required.)
Signature Term Xpress Plus
For customers who are in good health and need larger face value on their life insurance with quick underwriting, American National Signature Term Xpress Plus provides up to $1,000,000 in coverage, with expedited underwriting. With a streamlined approach to provide a more automated experience, Xpress Plus makes the process of obtaining high-dollar coverage quicker and easier by using technological innovations. As long as the responses to questions on the application meet the requirements in the Xpress Plus guidelines, exams will not be automatically required.
Common Features
- Accelerated benefit ($2,000,000 max):
- Terminal illness: Illness or chronic condition with an expected death within 12 to 24 months
- Chronic illness: If the insured is unable to perform two of the six activities required for daily living or is cognitively impaired
- Critical illness: Any critical illness as described in the rider after purchase of policy
- Fully convertible to a permanent policy within the first five years of policy ownership
Additional Riders
- Children’s term rider – Provides term coverage to each child up to age 25, at which point it can be converted to a permanent policy
- Disability rider – Provides coverage of policy premiums in the event the insured is totally disabled and unable to pay premiums
Application Process
Step 1: Contact Us
Our job is to find the best solution for you without the typical sales pressure and to answer any questions you may have. We shop for the best rates and then work with you to find the policy that is right for you. Call us at (866) 816-2100 or email us with any questions or to get a quote. You can also get your own quote on our website and request that we follow up with you once you’ve taken the time you need to research the many options available.
Step 2: Application
Once you have determined which insurance policy best suits you, we will send you the application and even help you complete it. Depending on the company, applications can be electronic or paper applications. Once the application is completed, we will inform you of the next steps (if there are any).
Step 3: Underwriting
The completed application is reviewed by the insurance company’s underwriting team, who will make a final decision on your application. Underwriting can be simple and quick, or long and complex, depending on the type of insurance policy you are applying for. We will keep you informed of the status and let you know if additional information is needed.
Step 4: Policy Issuance
Once the application is approved, your policy will be sent to you and you can select the payment option that works best for you. Upon receipt of the first payment, your policy coverage will be in effect.
Regulatory Information
When selecting an insurance product, it is always beneficial to check the individual insurance company’s financial and regulatory standings. The National Association of Insurance Commissioners is the association of regulatory bodies for the insurance industry in the United States. Click here to find more information on American National Life Insurance on the NAIC website.
Compare American National Signature Term
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Full Living Benefits | Yes | No | No |
Policy Minimum | $50,000 | $50,000 | $50,000 |
Policy Maximum (No Medical Exam) | $250,000 | $500,000 | N/A |
Medical Exam Required | No | No | Yes |
Issue Age | 18 – 70 years of age | 18 – 65 years of age | 18 – 75 years of age |
Pricing Example (Male, Age 40, Non-smoker, $250,000 in coverage) | $40.61 per month | $41.66 per month | $40.68 per month |
Compare American National Signature Term Xpress
![]() | ![]() | ![]() | |
---|---|---|---|
Full Living Benefits | Yes | No | No |
Policy Minimum | $50,000 | $50,000 | $50,000 |
Policy Maximum (No Medical Exam) | $250,000 | $500,000 | $150,000 |
Medical Exam Required | No | No | No |
Issue Age | 18 – 70 years of age | 18 – 50 years of age | 18 – 70 years of age |
Pricing Example (Male, Age 50, Non-smoker, $150,000 in coverage) | $55.34 per month | $64.46 per month | $117.37 per month |

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*A.M. Best Company ratings range from A ++ (Superior) to F (In Liquidation) |









































































































































































































































