American National (ANICO) Insurance Review & Complaints: Life, Health & Disability Insurance (2024)
Our American National Insurance review explains its major focus on financial products including life insurance, health, disability, annuities, and more. The company also writes personal property & casualty insurance including auto and home. Average annual rates in Texas can be around $2,000 to $5,000. Read on to learn how to get affordable American National (ANICO) insurance.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Dec 22, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- A.M. Best awards American National insurance an A for financial strength.
- Though American National Insurance is not BBB accredited, the company has an extremely low number of complaints.
- American National is mostly focused on its life insurance products.
American National has a major focus on financial products including life insurance, health, disability, annuities, and more. The company also writes personal property & casualty insurance including car insurance and home insurance. There are also commercial insurance products available. With a variety of insurance options available and a longstanding history, they can support many of your insurance needs and provide excellent service and respect to clients.
Learn more by reading our American National (ANICO) Insurance review below.
American National is a group of companies writing insurance products in all 50 states and the District of Columbia, although the type of policy and variety of options available varies by state. New York is the one state where only affiliated companies and subsidiaries are licensed to do business.
American National products are mainly sold through a team of insurance agents, although some life insurance products are available for purchase online. Agents can be found through the website for all states and some U.S. territories where the company is licensed.
Keeping reading for more information on ANICO insurance reviews and use our helpful tool to compare insurance rates with American National (ANICO) Insurance rates. Comparing rates is generally to your benefit, and the process usually steers you towards a better rate and a decent company within the wide range of companies available.
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What types of insurance does American National offer?
American National does not provide detailed product descriptions online; rather, they point customers to agents for more information regarding policies. The types of products that are available include both personal and commercial lines of insurance, and they also administer pension plans for small businesses.
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American National Life Insurance
American National writes a variety of life insurance products including whole, term, and universal life insurance. The company also offers annuities, both fixed and variable. A life insurance policy is the only product that is sold directly and not solely through agents via a separate website. Information on American National annuities and more can be found below.
American National Personal Lines Property & Casualty Insurance
The property & casualty products from American National cover the basics of personal insurance, including:
- Auto Insurance
- Home Insurance
- Recreational Vehicle insurance (such as watercraft, RVs, collector cars)
- Renters Insurance
The website does state that the company offers a cash back incentive for loyal customers. If the client has their home and auto insured through American National and is claim free for a period of three years, they are issued 25 percent of their eligible home and auto premiums back in cash (not available in all states). Customers who have commented on their insurance programs seem to be pleased with it. The National Association of Insurance Commissioners (NAIC) provides customer ratings. Use this site to find insurance information for your state.
American National also runs the subsidiary ANPAC. What does ANPAC stand for? It stands for American National Property and Casualty Company. ANPAC is run out of Missouri and offers life insurance options and more.
American National Credit Insurance
These product offerings are designed to make payments on debts in the event that the policyholder becomes unable to do so. Policy types include credit life, credit disability, credit involuntary unemployment, and property policies.
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American National Commercial Insurance
Commercial insurance policies are available for small businesses. American National also offers agribusiness coverage options.
American National Health Insurance
Plans from American National include major medical, Medicare supplemental, and disability insurance.
Are American National’s rates competitive?
Online quoting is not available for most of the products from American National. Only its term life insurance and whole life insurance options can be bought online, through the American National Direct website. Online quoting requires providing contact information that allows the company to contact you by phone in order to follow up on the quote and complete the application which may put off some insurance shoppers who simply want to get numbers without being contacted.
American National is very focused on its life insurance products and likely has competitive rates. For other products, it’s difficult to say what sort of rates this company might offer. As an agent-driven company, it’s unlikely that its auto rates will be as competitive as major direct-buy insurance companies. For comparison, check out the chart below, which features different rates from several top companies.
Average Monthly Car Insurance Rates Comparison for Top 10 Companies by State
State | Allstate Average Monthly Rates | American Family Average Monthly Rates | Farmers Average Monthly Rates | Geico Average Monthly Rates | Liberty Mutual Average Monthly Rates | Nationwide Average Monthly Rates | Progressive Average Monthly Rates | State Farm Average Monthly Rates | Travelers Average Monthly Rates |
---|---|---|---|---|---|---|---|---|---|
Alaska | 262.11 | 346.09 | - | 240.00 | 441.30 | - | 255.24 | 185.68 | - |
Alabama | 275.96 | - | 348.82 | 238.88 | 333.79 | 221.89 | 370.88 | 399.85 | 308.15 |
Arkansas | 429.17 | - | 354.82 | 290.39 | - | 321.82 | 442.67 | 232.42 | 497.78 |
Arizona | 408.68 | - | 416.67 | 188.73 | - | 291.34 | 298.13 | 396.35 | 257.06 |
California | 377.75 | - | 416.57 | 240.47 | 252.87 | 387.77 | 237.47 | 350.19 | 279.13 |
Colorado | 461.43 | 311.09 | 440.85 | 257.64 | 233.15 | 311.62 | 352.66 | 272.56 | - |
Connecticut | 485.97 | - | - | 256.14 | 606.91 | 306.03 | 410.03 | 248.02 | 500.36 |
District of Columbia | 539.08 | - | - | 307.73 | - | 404.08 | 414.19 | 339.50 | - |
Delaware | 526.34 | - | - | 310.61 | 1530.00 | 360.85 | 348.49 | 372.24 | 348.53 |
Florida | 620.04 | - | - | 315.30 | 447.35 | 361.63 | 465.28 | 283.14 | - |
Georgia | 350.89 | - | - | 248.10 | 837.79 | 540.41 | 374.94 | 282.07 | - |
Hawaii | 181.12 | - | 396.99 | 279.91 | 265.80 | 212.65 | 181.49 | 86.69 | - |
Iowa | 247.16 | 251.82 | 202.98 | 191.35 | 367.94 | 227.95 | 199.63 | 185.38 | 452.45 |
Idaho | 340.73 | 310.73 | 264.02 | 230.89 | 191.79 | 252.68 | - | 155.66 | 268.86 |
Illinois | 433.70 | 317.94 | 383.77 | 231.60 | 189.80 | 225.98 | 294.72 | 195.41 | 208.31 |
Indiana | 331.57 | 306.64 | 286.46 | 188.42 | 481.78 | - | 324.83 | 200.75 | 282.81 |
Kansas | 334.19 | 178.87 | 308.65 | 268.39 | 398.70 | 206.30 | 345.37 | 226.67 | 361.79 |
Kentucky | 595.33 | - | - | 386.13 | 494.25 | 458.60 | 462.30 | 279.53 | 545.97 |
Louisiana | 499.90 | - | - | 512.88 | - | - | 622.59 | 381.59 | - |
Maine | 306.30 | - | 230.85 | 235.25 | 360.95 | - | 303.63 | 183.22 | 187.75 |
Maryland | 436.10 | - | - | 319.39 | 774.80 | 242.97 | 341.24 | 330.07 | - |
Massachusetts | 225.71 | - | - | 125.85 | 361.61 | - | 319.59 | 113.49 | 294.83 |
Michigan | 1908.55 | - | 708.63 | 535.84 | 1666.67 | 527.28 | 447.05 | 1047.13 | 731.16 |
Minnesota | 377.67 | 293.44 | 261.45 | 291.55 | 1130.30 | 243.87 | - | 172.25 | - |
Missouri | 341.35 | 273.91 | 359.35 | 240.44 | 376.56 | 188.78 | 284.93 | 224.41 | - |
Mississippi | 411.84 | - | - | 340.60 | 371.33 | 229.71 | 359.07 | 248.37 | 310.78 |
Montana | 389.34 | - | 325.63 | 300.20 | 110.51 | 289.86 | 360.90 | 201.48 | - |
North Carolina | 599.20 | - | - | 244.72 | 181.89 | 237.34 | 198.55 | 256.55 | 261.06 |
North Dakota | 389.11 | 317.70 | 257.71 | 222.35 | 1071.07 | 213.36 | 301.92 | 213.38 | - |
Nebraska | 266.57 | 184.59 | 333.11 | 319.79 | 520.13 | 217.00 | 313.17 | 203.23 | - |
New Hampshire | 227.08 | - | - | 134.59 | 703.70 | 207.59 | 224.54 | 182.12 | - |
New Jersey | 476.13 | - | 634.75 | 229.58 | 563.89 | - | 331.06 | 627.26 | 354.54 |
New Mexico | 350.05 | - | 359.63 | 371.53 | - | 292.87 | 259.93 | 195.06 | - |
Nevada | 447.64 | 453.43 | 466.30 | 305.17 | 516.80 | 289.76 | 338.55 | 483.03 | 446.70 |
New York | 395.08 | - | - | 202.35 | 545.06 | 334.41 | 314.26 | 373.72 | 381.57 |
Ohio | 266.44 | 126.26 | 285.25 | 155.60 | 369.15 | 275.07 | 286.41 | 208.99 | 261.26 |
Oklahoma | 309.89 | - | 345.20 | 286.45 | 572.89 | - | 402.70 | 234.73 | - |
Oregon | 397.16 | 293.94 | 312.79 | 268.34 | 361.21 | 264.74 | 302.43 | 227.62 | 241.02 |
Pennsylvania | 332.01 | - | - | 217.10 | 504.60 | 233.36 | 370.92 | 228.69 | 653.54 |
Rhode Island | 413.29 | - | - | 466.89 | 515.34 | 367.47 | 435.92 | 200.54 | 575.79 |
South Carolina | 325.29 | - | 390.99 | 264.83 | - | 302.12 | 381.09 | 255.95 | - |
South Dakota | 393.64 | 337.29 | 314.07 | 245.02 | 626.33 | 228.14 | 312.73 | 192.19 | - |
Tennessee | 402.40 | - | 285.84 | 273.62 | 517.22 | 285.41 | 304.74 | 219.94 | 228.21 |
Texas | 457.12 | 404.06 | - | 271.94 | - | 322.30 | 388.72 | 240.00 | - |
Utah | 297.20 | 308.23 | 325.67 | 247.13 | 360.65 | 248.88 | 319.18 | 387.15 | - |
Virginia | 282.23 | - | - | 171.79 | - | 172.75 | 208.22 | 189.08 | - |
Vermont | 265.87 | - | - | 182.98 | 301.76 | 177.35 | 434.76 | 365.24 | - |
Washington | 295.04 | 309.42 | 246.83 | 214.05 | 332.89 | 177.49 | 267.46 | 208.32 | - |
West Virginia | 318.39 | - | - | 176.73 | 243.70 | - | - | 177.19 | - |
Wisconsin | 404.53 | 126.11 | 314.79 | 327.18 | 563.24 | 435.42 | 260.74 | 198.96 | - |
Wyoming | 364.49 | - | 255.78 | 291.38 | 165.78 | 265.60 | 366.76 | 191.96 | - |
As you can see, rates can differ greatly based on where you live and the auto insurance company you go with.
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Streamlining the American National Claims Process
Ease of Filing a Claim
American National (ANICO) Insurance provides various options for policyholders to file claims, ensuring convenience and accessibility. Customers can initiate the claims process through multiple channels, including online submissions, phone calls to the company’s dedicated claims hotline, or by utilizing the mobile app.
This flexibility allows individuals to choose the method that best suits their preferences and needs, whether they prefer digital convenience or prefer speaking directly with a representative.
Average Claim Processing Time
While specific claim processing times may vary depending on the nature and complexity of each claim, American National (ANICO) Insurance is committed to efficient claims handling. The company understands the importance of prompt resolutions for policyholders and strives to expedite the process whenever possible.
Policyholders can expect timely responses and fair evaluations of their claims to minimize any unnecessary delays.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating the effectiveness of an insurance company’s claims process. American National (ANICO) Insurance encourages feedback from its policyholders to continually improve its services.
Initial reviews suggest a generally positive sentiment regarding claim resolutions and payouts, with many customers expressing satisfaction. However, as with any insurance provider, individual experiences may vary, and any concerns or disputes are addressed through the company’s established channels to ensure fair and equitable resolutions.
Navigating the American National Digital and Technological Features
Mobile App Features and Functionality
American National (ANICO) Insurance offers a user-friendly mobile app designed to enhance the customer experience. The app provides convenient access to policy information, claims submissions, and account management.
Users can easily report claims, view policy documents, and even make payments using the app. Additionally, the app may include features such as digital ID cards and tools to request roadside assistance, ensuring policyholders have the necessary resources at their fingertips.
Online Account Management Capabilities
Managing insurance policies and accounts has never been easier with American National (ANICO) Insurance’s online account management capabilities. Policyholders can log in to their accounts through the company’s website or mobile app to access a range of self-service options.
These may include updating personal information, reviewing policy details, making premium payments, and tracking the status of claims. The online portal provides policyholders with the flexibility and control they need to stay informed and manage their policies effectively.
Digital Tools and Resources
To support policyholders in making informed decisions, American National (ANICO) Insurance offers various digital tools and resources. These resources may include online calculators to estimate insurance needs, educational materials about insurance products, and articles on relevant topics.
By leveraging digital tools, the company empowers policyholders to navigate the complexities of insurance and select coverage that aligns with their unique requirements and financial goals.
What are the consumer complaints about American National insurance?
American National Insurance is not BBB accredited, nor is it rated by the BBB. There are, however, 21 complaints listed in the last three years, six of which have been closed in the past 12 months. Those are low numbers for such a large company.
Reviews of American National are mixed, but there are a good number of positive reviews, which is always encouraging. There are more positive reviews for the company’s life insurance subsidiary than for the property & casualty company, but overall there are still enough good reviews to easily balance out the negative ones. Most complaints center on claims issues.
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What are the financial strength ratings for American National insurance?
A.M. Best awards American National insurance an A for financial strength. S&P gives them the same rating.
What is the trade information for American National insurance company?
Are you interested in buying stock in American National Insurance? The symbol on the NASDAQ is ANAT and the total value reached $28.5 billion in 2019.
The following companies fall under the parent company of American National:
- Garden State Life Insurance Company
- Standard Life and Accident Insurance Company
- American National Life Insurance Company of New York
- Farm Family Companies
- American National Property and Casualty Company (ANPAC)
- American National Life Insurance Company of Texas
American National insurance company also raises funds for Children of the Ozarks, United Way of the Ozarks, Boys and Girls Clubs, and the Salvation Army.
Read more: Standard Life and Accident Insurance Company Review & Complaints: Life & Health Insurance
What are American National insurance company’s recognitions and awards?
In 2003, American National insurance company was recognized for its organizational performance management and customer service excellence and received the Missouri Quality Award. Six years later, they were highlighted as one of the “100 Most Trustworthy Agencies” by Forbes Magazine, then again in 2019 as one of the “Best Mid-sized Employers” by Forbes.
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What’s the bottom line?
The lack of information regarding the details of the company’s products makes it difficult to get a clear picture of what it offers and whether it’s a good value for consumers. American National has a fairly good reputation, with more positive reviews than are commonly seen for a property & casualty company.
It may be worth a look for those who prefer to use an agent. American National is a big player in the life insurance market. That said, it’s difficult to provide a real recommendation for this company due to the overall lack of information on products and claims processes. It’s also worth noting that American National Insurance Company has battled class-action lawsuits in the past.
If you’re looking for American National (ANICO) insurance quotes, enter your ZIP code into our FREE quote tool below.
Frequently Asked Questions
What is American National Insurance?
American National Insurance, commonly known as ANICO, is a leading insurance company that offers a range of life, health, and disability insurance products. ANICO has been in business for over 100 years and is headquartered in Galveston, Texas.
What types of insurance products does ANICO offer?
ANICO offers a range of insurance products, including life insurance, health insurance, disability insurance, and annuities. Within these categories, ANICO offers several different products, such as term life insurance, whole life insurance, variable life insurance, and long-term care insurance.
How do I get a quote for ANICO insurance?
You can get a quote for ANICO insurance by visiting their website or by contacting an ANICO agent. ANICO also has a mobile app that you can use to get a quote.
Is ANICO a good insurance company?
ANICO has a strong financial rating and a solid reputation in the insurance industry. They have been in business for over 100 years and have a history of paying out claims. However, as with any insurance company, there are some complaints and negative reviews.
How do I file a claim with ANICO?
To file a claim with ANICO, you can contact their claims department by phone or email. The contact information is available on the ANICO website. You will need to provide information about the policy, the insured, and the nature of the claim.
What are some common complaints about ANICO?
Some common complaints about ANICO include slow claims processing, poor customer service, and high premiums. However, it’s worth noting that these complaints are not unique to ANICO and can be found with many other insurance companies.
How can I find out more about ANICO insurance?
You can find out more about ANICO insurance by visiting their website or by contacting an ANICO agent. You can also read reviews and ratings from other customers on websites like the Better Business Bureau or Consumer Affairs.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.