Is American National a Good Insurance Company?
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At Diversified Insurance Brokers, we know choosing the right insurance and annuity provider is one of the most important financial decisions you can make. Is American National a good insurance company? American National has built a long-standing reputation for financial stability, competitive product offerings, and strong customer service—making it a solid option for many retirees and pre-retirees seeking dependable protection and income solutions.
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About American National
Founded in 1905 and headquartered in Galveston, Texas, American National is known for its diversified portfolio of insurance and financial products. The company consistently maintains strong financial ratings from independent agencies like A.M. Best, reflecting its ability to meet policyholder obligations over the long term.
American National’s Annuity Options
American National offers a range of annuity products tailored to different retirement goals, including:
- Fixed Annuities: Guarantee a set interest rate for a specific period, providing predictable growth.
- Fixed Indexed Annuities: Link potential growth to a market index while protecting your principal from market downturns.
- Immediate Annuities: Convert a lump sum into guaranteed income payments starting right away—ideal for retirees looking for predictable income.
- Multi-Year Guaranteed Annuities (MYGAs): Lock in a guaranteed interest rate for multiple years with tax-deferred growth.
Why Retirees Choose American National
- Strong financial ratings for stability and reliability.
- Flexible annuity options with competitive crediting methods and payout features.
- Ability to combine growth potential with principal protection.
- Lifetime income riders available on certain products.
Guaranteed Income Planning
For many retirees, the biggest concern is ensuring they won’t outlive their savings. American National offers annuities with guaranteed income features, allowing you to create a reliable retirement paycheck that lasts for life.
Is American National Right for You?
Is American National a good insurance company (for you). While American National offers excellent annuity and insurance solutions, the right choice depends on your personal goals, income needs, and retirement strategy. As independent advisors, Diversified Insurance Brokers can compare American National’s products with dozens of other top carriers to ensure you’re getting the best fit for your situation.
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Don’t leave your retirement income to chance. Request your free, no-obligation annuity quote from Diversified Insurance Brokers today and see how American National compares for your retirement needs.
FAQs: Is American National a Good Insurance Company?
How strong are American National’s financial strength ratings?
American National is generally well-rated by major rating agencies. It holds an A (Excellent) rating from A.M. Best for many of its life and property/casualty subsidiaries, and an A rating from Fitch and S&P for several life and insurance operations.
How long has American National been in business and how stable is it?
It was founded in 1905, giving it more than a century of history. It has consistently maintained strong ratings and has been rated “A or higher” by A.M. Best for many decades.
What kinds of insurance products and coverage options does it offer?
American National offers a broad mix of products: life insurance (various types), annuities (fixed, deferred, indexed), property and casualty, auto, farm & ranch, renters, etc.
What do customer reviews and complaints say?
Reviews are mixed. Regulatory and independent sources (like state insurance regulators, BBB, Yelp, WalletHub) show both satisfied customers and complaints—common themes include customer service delays, claims handling issues, and communication.
Is the company reliable in paying claims?
Yes — in its ratings, customer reviews, and regulatory filings, it appears reasonably reliable. But as with many larger insurers, experiences vary by state, product line, and the specific agent or claims office.
What are potential drawbacks?
Some drawbacks include variability in customer service (depending on region), limited transparency in some product documentation, and the fact that for certain lines, there are nontrivial complaints about billing or claims resolution. Also, features and rates differ significantly by state.
Disclaimer: Ratings and customer satisfaction can vary by product type and state. This is educational content—not a substitute for reviewing policy contracts or consulting a licensed professional.
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About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
