American National

American National is an insurance company that sells a variety of financial services and products, including annuities. These products can provide long-term financial security for clients.

Sheena Zimmermann, Financial Writer for
  • Written By
    Sheena Zimmermann, M.Ed.

    Sheena Zimmermann, M.Ed.

    Financial Writer

    As a professional who values lifelong learning, Sheena Zimmermann joined the team with a deep commitment to connecting readers with resources designed to improve their financial literacy and strengthen their financial health.

    Read More
  • Edited By
    Kim Borwick
    Kim Borwick, Financial Editor for

    Kim Borwick

    Financial Editor

    Kim Borwick is a writer and editor who studies financial literacy and retirement annuities. She has extensive experience with editing educational content and financial topics for

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  • Updated: September 8, 2022
  • This page features 7 Cited Research Articles
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How to Cite's Article

APA Zimmermann, S. (2022, September 8). American National. Retrieved September 22, 2022, from

MLA Zimmermann, Sheena. "American National.", 8 Sep 2022,

Chicago Zimmermann, Sheena. "American National." Last modified September 8, 2022.

Why Trust
Why You Can Trust has provided reliable, accurate financial information to consumers since 2013. We adhere to ethical journalism practices, including presenting honest, unbiased information that follows Associated Press style guidelines and reporting facts from reliable, attributed sources. Our objective is to deliver the most comprehensive explanation of annuities and financial literacy topics using plain, straightforward language.

Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Additionally, operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.
American National Insurance Logo

American National Insurance Company was established in Galveston, Texas in 1905. The organization currently operates in all 50 states, and its available products vary by location.

About American National

The American National name refers to a group of companies and subsidiaries that underwrite, issue and administer insurance policies and annuities. American National Group, Inc. is the parent company.

American National is a publicly traded organization with 4,600 full-time employees. The company commits to shared values with clients: financial strength, integrity, respect, service and teamwork. American National and its subsidiaries specialize in insurance products that offer stability, longevity and security.

Forbes listed American National as one of “America’s Best Insurance Companies” for 2022. It was selected as one of the best companies due to their company’s performance and business practices.

American National Products
  • Life insurance
  • Homeowners insurance
  • Renters insurance
  • Business insurance
  • Auto insurance
  • Classic car insurance
  • Health insurance
  • Farm and ranch insurance
  • Recreational insurance
  • Specialty products
  • Annuities
Current American National annuity customers can contact the company through the following numbers:
For Annuity Bill Pay & Policy Service
For Claim Service
For Variable Annuity Contracts

Credit Ratings

Credit ratings are independent opinions provided by agencies to convey the financial strength of insurance companies.

This scoring helps measure American National against other annuity providers. AM Best and Fitch Ratings provided recent credit ratings for American National’s units, ranking the insurance carrier’s claims-paying abilities (CPAs).

2022 American National Credit Ratings
AM BestFitch Ratings
A (excellent) financial strength ratingA (stable) financial strength rating

The outlook of these ratings is stable. AM Best reports that the American National Group’s investment portfolio is performing well, with its balance sheet strength boasting the strongest ranking. American National also cites the strongest level of risk-adjusted capitalization.

“We strive to achieve the highest standard of ethics, accountability and compliance,” states American National’s website. “We’re dedicated to strong financial stability and growth to operate responsibly and fairly for everyone — from you to our employees to our business partners.”

Annuity Products Provided by American National

American National and its affiliates currently issue three categories of annuity products: single premium immediate, indexed deferred and fixed deferred annuities.

Single Premium Immediate Annuities

To purchase single premium immediate annuities, or SPIAs, clients pay a sum of money, or a single premium up front. SPIA owners begin receiving payments within 12 months of the annuity’s purchase.

Indexed Deferred Annuities

Indexed annuities are tied to a stock index, and they can accumulate interest with strong market performance. With deferred annuities, purchasers begin receiving their stream of payments at a point in the future. This means that the annuity has time — called an accumulation phase — to collect earnings.

Fixed Deferred Annuities

American National offers fixed annuities with a guaranteed interest rate for a specific period of time. These products can provide predictable income with a fixed rate of return, regardless of market uncertainty.

Interested in Buying an Annuity?
Learn about the different types of annuities and find out which one is right for you.

Client Resources

American National provides an array of online resources and personal guidance for clients. Insurance or annuity owners can access an online portal to request tax forms, pay premiums and view billing information. Annuity policy forms, including an application for an additional beneficiary, direct deposit and claim forms, are also available online.

While resources can be found at clients’ fingertips, American National values direct, individualized service.

If you have an annuity with American National, you can log into your account at:


About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.

More About Our Partners

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: September 8, 2022

7 Cited Research Articles writers adhere to strict sourcing guidelines and use only credible sources of information, including authoritative financial publications, academic organizations, peer-reviewed journals, highly regarded nonprofit organizations, government reports, court records and interviews with qualified experts. You can read more about our commitment to accuracy, fairness and transparency in our editorial guidelines.

  1. AM Best. (2022, July 7). American National Property and Casualty Company. Retrieved from
  2. American National. (2022, April 6). American National Insurance Company Has Been Listed by Forbes As “America’s Best Insurance Companies” for 2022. Retrieved from
  3. American National. (n.d.). Annuities. Retrieved from
  4. American National. (n.d.). Company Ratings. Retrieved from
  5. American National. (n.d.). What makes American National so different? Retrieved from
  6. Fitch Ratings. (2022, May 25). Fitch Publishes 'A' IFS Rating of American National; Outlook Stable. Retrieved from
  7. Yahoo Finance. (n.d.). American National Group, Inc. (ANAT). Retrieved from