Annuity.org Star Rating

American National

American National Insurance Logo
Our Take

American National has immediate and deferred options readily available. Unfortunately, the company’s website provides little specific information on its products compared to competitors, making it difficult to find the best annuity for your needs.


  • Offers a good variety of products, including immediate and deferred
  • Few customer complaints


  • Little product information online
  • Website is not particularly user-friendly

Products Offered by American National

American National has a good variety of annuities available to its customers. Whether you’re just looking for a simple fixed deferred annuity, a SPIA or a MYGA, there’s a good chance that American National has a product that will fit your needs.

The downside, however, is that American National does not make a lot of its product information readily available online, unlike many of its competitors. 

Fixed Deferred Annuities

American National offers two choices when it comes to fixed deferred annuities. Your first choice is the WealthQuest 7 flexible premium deferred annuity.

This product allows for initial premiums that can be as low as $100 a month and provides a guaranteed interest rate on your initial premium along with any other premiums you contribute in the first two years of the contract.

Did You Know?

The WealthQuest 7 can offer an interest rate enhancement that applies to all premiums paid during the first 36 months of the contract.

American National offers MYGAs as well, which are available in terms of three, five, six or seven years with a fixed interest rate offered for each of those timespans.

On top of its fixed deferred options, the company sells index deferred products as well. However, American National’s website provides very little information on the specifics of what is offered.

Single Premium Immediate Annuities

In addition to deferred products, American National is in the immediate annuity business as well with single premium immediate annuity (SPIA) offerings.

The company once again offers very little information on its specific offerings, but SPIAs tend to be very straightforward products without the complexity associated with other types of annuities.

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About American National

American National is one of the older providers in the market, originally opening its doors in 1905. The company has a long track record of stability and holds an A Financial Strength Rating from AM Best.

It is a major insurance provider, selling everything from life insurance to auto and homeowners insurance on top of its annuity business. Its services are available in all 50 states under several different individual companies that make up American National together.

The company was acquired by Brookfield Reinsurance in 2022.

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Credit Ratings

Credit ratings for annuity providers can help determine a company’s financial strength and stability — an indication that it will be around to guarantee payments to you in the future. Different rating companies use different scales.

American National Credit Ratings

Rating Company Credit Rating
AM Best A
Fitch A

See which annuity providers our independent editorial team ranked as the Best Annuity Companies of 2024.

What Customers Are Saying About American National

Since American National lacks product information on its website, it’s a company that is likely best dealt with through an agent. This may be the reason why actual customer comments are harder to come by for this provider.

The company also did not appear in the 2022 or 2023 additions of the J.D. Power Customer Satisfaction Index for annuities. 

Despite not making the list, it does hold a favorable score in the National Association of Insurance Commissioners (NAIC) Complaint Index, which measures the number of customer complaints against a company compared to its presence in the marketplace.

The company’s 0.44 score for annuity sales means there have been about half as many complaints as expected given their place in the market.

The NAIC tracks consumer complaints that each state’s insurance commission receives each year. These are used to compile a company’s NAIC Complaint Index.NAIC Complaint IndexDetermined by dividing the company’s share of complaints in the U.S. market by the company’s share of premiums in the U.S. market. The National Complaint Index is always 1.00, so a score of 2.00, for example, is twice as high as expected in the market.

NAIC Complaint Index for American National

All Policy Types 0.30
Individual Annuities Only 0.44
These numbers indicate that American National receives fewer complaints than the industry average for all insurance policy types and individual annuities specifically.

American National’s Pros & Cons

American National’s lack of customer complaints is a definite pro, especially since some rivals see complaint levels that vastly outpace their presence in the market. The company also sells a solid variety of annuity products, making it a potential destination for many types of customers.

But the far biggest drawback of American National is the lack of readily available information on its offerings. Many other companies publicly provide brochures of their annuities, along with specific contract details and rates information. You may only be able to get that level of detail on American National’s products when working with an agent.

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Provider Rating Methodology

Annuity.org created a fact-based methodology to analyze the strength, security and reach of different annuity providers. We assessed companies based on their availability, the number of direct premiums sold, their AM Best Financial Strength Rating and their NAIC Complaint Index score.

Providers received a rating on a five-star scale for each of these categories, with the complaint index and financial strength ratings weighed as the heaviest variables. Then, using a weighted average, each company was assigned an overall star rating.

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Our Rating Panel

Annuity.org expert panel for providers pages

The Annuity.org editorial team spoke with several different annuity experts to learn more about what is important to customers when searching for a provider and what factors make a company reliable. While Annuity.org designed the methodology, these experts provided feedback during the process and consulted on what factors we should leverage to best help prospective buyers compare providers. 

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: June 12, 2024
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