American National Life Insurance Quote


Over the past few years, American National Insurance Company (ANICO) has become quite a force in the term life and the guaranteed universal life insurance world.

With no insurance exam required when applying for amounts up to $250,000 and up to age 65, they should always be considered if you don’t want to have an insurance exam or blood test.

American National does also offer other permanent life insurance products, but where they are most competitive is in the term life and GUL insurance categories.

Term With Living Benefits

American National Life also offers chronic and critical illness “living benefits” on their term policies, so you could potentially get cash from your policy if you suffer a critical illness like a heart attack, stroke, invasive cancer or for a chronic illness for which you are unable to do 2 out of the 6 activities of daily living (i.e. eating, bathing, continence, dressing, toileting or transferring) or if you require constant supervision due to severe cognitive impairment.

Great Short Duration Term Coverage

American National Life also offers one of the best annual renewable term or 1 year term rates that increases in cost a little bit each year.  This is the perfect type of coverage if the life insurance is only needed for a short period of time, like 3 to 5 years. 

This annual renewable term plan can also be a good option for people who need insurance now, but cannot qualify for good rate due to an underwriting issue that may not be an issue in the future (i.e. being overweight now but in process of losing weight, recently quit cigarette smoking, etc.).

This annual renewable term plan is also the only term policy that can be converted or automatically extended to a longer duration 20 or 30 year term plan without having to show new evidence of good health in the first three policy years.  This is the perfect “out” if your health does not improve and you’ll need longer insurance coverage.

Click link below if you’d like to get an accurate American National Life Insurance quote and we’ll send you an accurate quote. At the same time we will compare the American National quote to other “no exam” companies like Assurity Life and Sagicor Life and from other term carriers that offer living benefits like Columbus Life, AGLA, Transamerica and Life of Southwest and we’ll let you know if there may be better rates available to you than what American National may offer.


Below are some areas where American National Life can stand out over the other “no exam” companies.

High Risk Life Insurance

American National Life definitely won’t make best offer on every diabetes, overweight or heart disease case and sometimes they’ve surprised us on cancer or other tougher cases.

So we always shop with them on every high risk case as we have been pleasantly surprised by their offers many times now!

In recent past, we had a case for a poorly controlled diabetic for which every other “diabetes friendly” company declined, and American National made an offer that even shocked us. 

American National Signature GUL

American National’s Signature Guaranteed Universal Life product can offer one of the best guaranteed level rates to age 95 and for the rest of your life, if you’re looking for longer duration guaranteed coverage than what term insurance can provide. 

This GUL product also includes the Chronic and critical illness living benefits that is also offered on their term coverage.

ANICO also offers a guaranteed “cash out” rider included on most Signature GUL policies for which you could cancel policy in years 15, 20 and 25 and get a partial or full refund of premiums paid into policy.  This is included at no additional charge (some sub-standard policies do not include this cash out rider). 

American National now also offers a table rating reduction program so that some table 2, 3 and 4 offers can automatically be upgraded to a “Standard” rate with no table rating. 

This “table shave” is available only for the following ailments/issues: 

  • Rheumatoid Arthritis
    Type 2 Diabetes 
    Hepatitis B
    Hepatitis C
    Abnormal EKG
    Blood Pressure
    Weight Loss Surgery
    Sleep Apnea
    Abnormal Lab Results
    Scuba Diving
    Moving Violations
    Foreign Travel


How Competitive is Signature GUL

Check out these $500,000 GUL rates that are guaranteed to age 100 from American National and their closest competition.  These are all monthly rates for a 50 year old male and female non-smoker at the Preferred Plus, Preferred and Standard rate classifications:

MALE Age 50
$341     $380     $472-  American National
$355     $385     $484- Symetra Life
$363     $398     $494- Penn Mutual (pay to 100 guaranteed for life)
$384     $424     $501- Columbus Life (pay to 100 guaranteed for life)
$389     $429     $505- Protective Life

$389     $434     $526- Nationwide
$393     $433     $528- American General

$305     $328     $394- Symetra Life
$308     $320     $378-  American National
$317     $349     $413- Penn Mutual (pay to 100 guaranteed for life)
$321     $365     $433- Nationwide
$324     $360     $419- Protective Life

$325     $353     $419- American General
$327     $352     $402- Columbus Life (pay to 100 guaranteed for life)

As you can see, American National has some very competitive GUL rates…….

Whether you’re in excellent health, good health, average health or if you have health issues, American National Life may just offer you the absolute best rate.

American National Signature Whole Life

As of March 1st, 2017, American National has introduced a new Whole Life insurance product called Signature Whole Life.

Available at amounts from $10,000 to $1,000,000+ for people ages 0 – 80.

Like all Whole Life contracts, it will have guaranteed level premiums, guaranteed cash value and a guaranteed death benefit. 

It is also a participating whole life policy so it can pay dividends, although dividends are not guaranteed.  Dividends are basically insurance company profits that are paid to policyholders. 


Bottom Line

American National Insurance Company is definitely a player in the term life insurance, GUL and Whole Life market, especially if you don’t want to have a blood test or free exam (for amounts up to $250,000 and up to age 65).

If you fall into one of their niche’s, they may just offer you the absolute best rate available!

Click link above for an accurate quote and we will send you American National’s best rate along with rates from other insurance companies that may offer you better rate. You can also check out all rates available to you by using the quoting tool to the right.