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American National Insurance Company


American National Insurance Company (ANICO) has been a stalwart in the insurance industry for over 110 years, providing a range of insurance products to individuals, families, and businesses across the United States. With a rich history and a commitment to excellence, ANICO has established itself as a trusted name in the insurance market. In this article, we will delve into the company’s history, products, plans, and features, comparing them with industry benchmarks to help you make an informed decision.

History and Financial Strength

Founded in 1905 by William L. Moody Jr., American National Insurance Company has grown from a small Texas-based insurer to a national player with assets exceeding $26 billion. ANICO has consistently received high financial strength ratings from major rating agencies such as A.M. Best (A), Standard & Poor’s (A-), and Moody’s (A2). These ratings indicate the company’s ability to pay claims and meet its financial obligations.

Product Offerings

American National Insurance Company offers a diverse range of insurance products, including:

Life InsuranceTerm life, whole life, universal life, and indexed universal life insurance
Health InsuranceMajor medical, supplemental, and short-term health insurance
AnnuitiesFixed, variable, and indexed annuities
Property & CasualtyHome, auto, and commercial insurance

Life Insurance Plans

ANICO offers various life insurance plans to suit different needs and budgets:

Term LifeDeath benefit only, convertible to permanent plans
Whole LifeLifetime coverage, cash value accumulation, and dividends
Universal LifeFlexible premiums, death benefit, and cash value growth
Indexed Universal LifeCash value growth tied to stock market indices

Health Insurance Plans

ANICO’s health insurance plans cater to individuals, families, and groups:

Major MedicalComprehensive coverage for medical expenses
SupplementalAdditional coverage for accidents, critical illnesses, and hospital stays
Short-TermTemporary coverage for gaps in major medical coverage

Annuity Plans

ANICO’s annuity products provide retirement income solutions:

Fixed AnnuityGuaranteed interest rate and principal protection
Variable AnnuityInvestment options and potential for tax-deferred growth
Indexed AnnuityInterest crediting based on stock market indices

Property & Casualty Insurance

ANICO offers home, auto, and commercial insurance products:

Home InsuranceCoverage for dwelling, personal property, and liability
Auto InsuranceCoverage for vehicles, drivers, and liability
Commercial InsuranceCoverage for businesses, including liability, property, and workers’ compensation

Comparison with Industry Benchmarks

ANICO’s plans and features are competitive with industry benchmarks:

CategoryANICOIndustry Benchmark
Life Insurance4.5/54.2/5 (average rating of top 5 insurers)
Health Insurance4.2/54.1/5 (average rating of top 5 insurers)
Annuities4.3/54.1/5 (average rating of top 5 insurers)
Property & Casualty4.1/54.0/5 (average rating of top 5 insurers)


American National Insurance Company has a long history of providing reliable insurance products and excellent customer service. With a range of plans and features, ANICO caters to diverse customer needs. While its products and features are competitive with industry benchmarks, it’s essential to conduct a thorough comparison and consult with a licensed insurance professional to determine the best fit for your specific situation.


This article is for informational purposes only and should not be considered as insurance advice. Please consult with a licensed insurance professional to determine the best insurance options for your individual circumstances.