American National Reviews

  • 3.46 / 5 based on 52 Reviews | Submit Your Review
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    The American National Family of Companies (also known as American National Insurance) has been in business for over 100 years. The company was founded in Galveston, Texas in 1905 by William L. Moody, Junior. Over the last century, American National expanded to include various types of insurance, all designed so that employers can offer their employees the affordable insurance products.

    Financial Ratings

    A.M. Best:A
    S&P Rating:A

    Company Information

    One Moody Plaza
    Galveston, TX 77550
    (409) 763-4661
    (409) 766-6663 (Fax)
    http://anico.com


    Last Updated: 2018-05-22

    Company Reviews (52)

  • 3 of 3 people found the following review helpful.

    sketchy company, June, 2017

    Poor cost vs benefit. When time to pay difficult to wrk with. Would not recommend this company. Go with Mutual instead! Much better value and service

    • Life Insurance
    • Asheboro, NC
    • 57 Year Old Female
    • Customer for 5+ Years
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  • 3 of 3 people found the following review helpful.

    ANPAC, September, 2012

    Premium cost is getting to high, and coverages have reduced

    • Homeowners Insurance
    • Mandeville, LA
    • 50 Year Old Female
    • Customer for 5+ Years
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  • 2 of 2 people found the following review helpful.

    Poor customer service., March, 2018

    I have found American National to be unpleasant to deal with. The latest problem, they added my unlicensed teen daughter as a principal driver to my policy without my knowledge. Overall I’ve experienced very poor customer service as of the past several years. It’s definitely time to change companies.

    • Car Insurance
    • Smithfield, PA
    • 43 Year Old Female
    • Customer for 5+ Years
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  • 16 of 17 people found the following review helpful.

    Speedy Payment, March, 2016

    When my husband died, they worked with the funeral home and payment was fast and they paid the funeral costs from the check so I did not have to write that check. It made a hard time easier for me.

    • Life Insurance
    • Guthrie, OK
    • Customer for 5+ Years
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  • 14 of 15 people found the following review helpful.

    Good cost, poor quality, October, 2016

    You get what you pay for. I would not make the mistake of going with American National again. I have left them for another carrier due to poor claim handling.

    • Car Insurance
    • Naperville, IL
    • Customer for 2 - 3 Years
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  • 10 of 11 people found the following review helpful.

    Very happy! , December, 2016

    I been a client of American National for over 10 years and am very happy. We've had a few claims and they've always taken care of us. The rates are great and they offer checks back for staying claim free. My agent's office is nice to work with!

    • Homeowners Insurance
    • Casper, WY
    • 67 Year Old Female
    • Customer for 5+ Years
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  • 9 of 10 people found the following review helpful.

    I'm happy with it., June, 2016

    Can't complain with the insurance, me and my wife have had it for forty years.

    • Life Insurance
    • Harlingen, TX
    • 68 Year Old Female
    • Customer for 5+ Years
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  • 14 of 16 people found the following review helpful.

    Big Premium Increase, August, 2012

    I have been with this company for about 11 years and never had to file a claim. My renewal just came in the mail, however, and they are raising my rates by $200. The agent has been good to work with, but it looks like it is time to look at other options.

    • Homeowners Insurance
    • Lexington, SC
    • 35 Year Old Female
    • Customer for 5+ Years
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  • 13 of 15 people found the following review helpful.

    Horrible!, January, 2017

    This company will lie to you when buying into a policy. They are always trying to sell life insurance or they get fired. Their workers are dishonest and only back up the company. They have stolen plenty of money from people I know. They should be ashamed of themselves. We the consumers need to put this company out of business!

    • Life Insurance
    • Corpus Christi, TX
    • Customer for 2 - 3 Years
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  • 6 of 7 people found the following review helpful.

    Dissatified, November, 2016

    Been a customers for over 30 yrs and when you need repairs it's a struggle to get them and you have to fight the whole time. Rates keep going up every years. We wouldn't recommend them. Look somewhere else!

    • Homeowners Insurance
    • Colleyville, TX
    • Customer for 5+ Years
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  • 6 of 7 people found the following review helpful.

    Great and fast customer service , July, 2016

    The customer service personnel are friendly, knowledgeable and great to work with. Our claim was processed in a timely manner, and we were treated as valued customers. They are awesome.

    • Car Insurance
    • Bloomfield, NM
    • Customer for 5+ Years
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  • 11 of 13 people found the following review helpful.

    ANICODirect.com, December, 2013

    Growing up in Texas, American National was THE insurance company. I wanted to buy a life insurance policy online without an exam and had no idea about ANICODirect.com. I did a ton of searching and I think they may be the only carrier to sell life insurance completely online without having to talk to a broker (don't let any of the search ads fool you because you'll just have agents calling you.) It was as quick and easy buying shoes online.

    • Life Insurance
    • Arvada, CO
    • Customer for Less than 6 Months
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  • 20 of 24 people found the following review helpful.

    Shabby and Sketchy, July, 2015

    I have held an American National life insurance policy for years. Their web site is like something from the very earliest days of the internet. It's horrible to navigate and paying your bill online is virtually impossible. It never recognizes my username and password and the policy number ON MY DOCUMENTATION from American National is NEVER recognized on their site. So I called several times to pay my premium and couldn't hold any longer on all calls (held for more than 30 minutes on each). Finally MAILED a check still in good time. Took them WEEKS to cash the check but finally they did. Then they sent me a letter telling me that my insurance was canceled pending reinstatement. I called again hoping to reinstate over the phone and held for 47 minutes. When I finally got through I was told reinstatement couldn't be done over the phone but once they received my forms I should (hopefully) be reinstated within a MONTH. Thanks for NOTHING. They should get their money back from their web designer except he/she probably got paid in 1994 for their work and no updates have been done since then.

    • Life Insurance
    • Morrisville, NC
    • Customer for 5+ Years
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  • 15 of 18 people found the following review helpful.

    Shop around, bad customer service, August, 2016

    My mother who is 88 years old has five life insurance polices from American National. The last two years I have been trying to get her personal affairs in order. Communication with American National has been a nightmare. Voice mail hell greets you and takes several attempts to talk to correct person, when you do they are rude. Customer service is very poor.

    Would not recommend this company.

    • Life Insurance
    • Lima, OH
    • Customer for 5+ Years
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  • 10 of 12 people found the following review helpful.

    Cancellation, January, 2014

    They've been awesome, but we received a cancellation notice due to us living in the mountains with lots of trees. We rec'd the notice on 1/22 with a cancellation date of 3/13. Not much time to mitigate land in the area. Agent located in Co Spgs; guess she doesn't know it snows here in the winder time. Hard to mitigate very large trees in deep snow. Pretty ticked off.

    • Homeowners Insurance
    • Cotopaxi, CO
    • 68 Year Old Female
    • Customer for 5+ Years
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  • 10 of 12 people found the following review helpful.

    andrea, February, 2013

    American National is a first rate insurance company. When you have a claim they are very easy to work with and quick to settle with you. My home at the moment is with them but the cost of their insurance has gone up dramatically. Just checking for more affordable insurance.

    • Homeowners Insurance
    • Sun City Center, FL
    • 67 Year Old Female
    • Customer for 5+ Years
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  • 5 of 6 people found the following review helpful.

    Horrible, November, 2017

    I tried to get a quote from one of the reps. She asks if I'm looking to purchase insurance today. I tell her I can this Friday. As soon as she hears I'm not buying today, she simply hangs up on me. If that's how you conduct business, I don't want anything to do with your company. Screw her and screw that company.

    • Car Insurance
    • Acworth, GA
    • Customer for Less than 6 Months
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  • 9 of 11 people found the following review helpful.

    Very Sketchy!, March, 2017

    My mom has been paying on this life insurance policy for years. Now that we are looking into all her paperwork, we are finding that this company is very outdated with no online reliable service and people still coming door to door to collect payments and handwriting monthly payments. Just awful to understand and they should be ashamed of themselves.

    • Life Insurance
    • Austin, TX
    • Customer for 5+ Years
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  • 9 of 11 people found the following review helpful.

    good company, October, 2014

    homeowner rate increased by 32% for 2015 renewal

    • Homeowners Insurance
    • Bismarck, ND
    • 73 Year Old Female
    • Customer for 2 - 3 Years
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  • 4 of 5 people found the following review helpful.

    Terrible !!!! , July, 2017

    Honestly had the worst service with this company! I've been car-less for two months now and have yet to been helps or anyone done anything! I'm actually not insured with this company and thankful for that! But there person who's him me who's is insured with them have not been doing anything about this! I'm very disappointed in they help I have been getting with this company which is none!!! Would never suggest anyone to get this insurance!

    • Car Insurance
    • Phoenix, AZ
    • 22 Year Old Female
    • Customer for Less than 6 Months
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  • 4 of 5 people found the following review helpful.

    Great Company, January, 2017

    Been with the company for 1 and half years and I have to say my experience was amazing with regards to handling claims. To make a long story short, they had me back to 100% right away. More than pleased.

    • Car Insurance
    • Longmont, CO
    • Customer for 1 - 2 Years
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  • 11 of 14 people found the following review helpful.

    Conservation Department is terrible, July, 2016

    Recently scheduled to transfer my Palladium Multi-Year Guarantee Annuity to another investment company. Received a letter from the Conservation Department with a name and number to call in the hopes of keeping me a customer. I was actually thinking of staying with American National, however, I left three messages with the agent requesting a call back but never did receive one. If that's what customer service is like when they want to encourage you to stay a customer, you have to ask yourself what will it be like if you have an issue or claim? I have a low tolerance for that kind of service. Too many competitors out there for me to put up with that level of service. As you can imagine, that pretty much sealed my decision to make the change. All the agent had to do was return one of my three phone calls.

    • Other Insurance
    • Englishtown, NJ
    • 65 Year Old Male
    • Customer for 5+ Years
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  • 10 of 13 people found the following review helpful.

    ANICO Sucks!, December, 2012

    This company is arguably the worst to do business with. They're either under staffed or they just don't care. Go elsewhere for competitive rates and better service.

    • Life Insurance
    • Galveston, TX
    • Customer for 1 - 2 Years
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  • 6 of 8 people found the following review helpful.

    Awful and Difficult, January, 2017

    They did not pay when I was at fault so I got sued and they would not help me with suit.

    • Car Insurance
    • Columbia, SC
    • 47 Year Old Male
    • Customer for 3 - 5 Years
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  • 5 of 7 people found the following review helpful.

    Checking The Compation, January, 2014

    Looking for something better. The insurance went up

    • Homeowners Insurance
    • North Augusta, SC
    • 54 Year Old Female
    • Customer for 5+ Years
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  • 2 of 3 people found the following review helpful.

    customer, April, 2013

    great price-rep was great-the policy was set up and sent to me in place quickly with no problems. I continue holding a policy with this company.

    • Life Insurance
    • Salem, MA
    • 30 Year Old Female
    • Customer for 2 - 3 Years
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  • 1 of 2 people found the following review helpful.

    With it till the end., May, 2016

    Have had this insurance for quite a few years and hopefully, my wife and me will have it till we live this world.

    • Life Insurance
    • Harlingen, TX
    • 67 Year Old Female
    • Customer for 5+ Years
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  • 1 of 2 people found the following review helpful.

    Overall Experience with American National, April, 2013

    Agents are helpful, and I think the rates are reasonable.

    • Homeowners Insurance
    • Houston, TX
    • 58 Year Old Female
    • Customer for 5+ Years
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  • 1 of 2 people found the following review helpful.

    February, 2013

    AMERICAN NATIONAL GAVE US FAR BETTER COVERAGE AND WITH LESS COST. THEY DO NOT HAVE OFFICES IN NORTH CAROLINA

    • Homeowners Insurance
    • Brookings, OR
    • 71 Year Old Female
    • Customer for 5+ Years
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  • 0 of 3 people found the following review helpful.

    Great Company, May, 2013

    The company has a great rate and is easy to talk to.

    • Life Insurance
    • Glen Burnie, MD
    • 59 Year Old Female
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    Unsatisfied, March, 2018

    Customer service is not the best. A claim was filed against us and we didn't find out until almost a year after the fact. It was a 50/50 fault claim that we disputed. Little were we informed that it would be required of us to get hit with that claim. We paid out of pocket for our damage thinking our voices were heard. Had we known we were going to get hit with this, we would have filed the claim against the other party involved. Terrible customer service and client representation from my perspective!!! We will be switching insurance companies.

    • Homeowners Insurance
    • Cheyenne, WY
    • Female
    • Customer for 2 - 3 Years
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  • 2 of 3 people found the following review helpful.

    fair, April, 2016

    • Homeowners Insurance
    • Pensacola, FL
    • 64 Year Old Female
    • Customer for 5+ Years
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  • 2 of 3 people found the following review helpful.

    July, 2013

    • Life Insurance
    • North Hollywood, CA
    • 67 Year Old Female
    • Customer for 5+ Years
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  • 2 of 3 people found the following review helpful.

    compare price, December, 2012

    • Homeowners Insurance
    • Rosenberg, TX
    • 67 Year Old Female
    • Customer for 5+ Years
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  • 1 of 1 people found the following review helpful.

    September, 2012

    • Homeowners Insurance
    • Antelope, CA
    • 48 Year Old Female
    • Customer for 3 - 5 Years
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  • 1 of 6 people found the following review helpful.

    August, 2013

    • Homeowners Insurance
    • Summerville, SC
    • 64 Year Old Female
    • Customer for 5+ Years
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  • 0 of 3 people found the following review helpful.

    December, 2014

    • Homeowners Insurance
    • Melbourne, FL
    • 56 Year Old Female
    • Customer for 5+ Years
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  • 0 of 1 people found the following review helpful.

    June, 2015

    • Homeowners Insurance
    • Saint Petersburg, FL
    • 60 Year Old Female
    • Customer for 5+ Years
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  • 0 of 1 people found the following review helpful.

    May, 2014

    • Homeowners Insurance
    • Cape Coral, FL
    • 26 Year Old Female
    • Customer for 1 - 2 Years
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  • 0 of 1 people found the following review helpful.

    February, 2014

    • Renters Insurance
    • Denver, CO
    • 62 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 1 people found the following review helpful.

    September, 2013

    • Homeowners Insurance
    • Oklahoma City, OK
    • 76 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    September, 2015

    • Homeowners Insurance
    • Saint Rose, LA
    • 61 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    moving, July, 2015

    • Homeowners Insurance
    • Cullman, AL
    • 55 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    March, 2014

    • Homeowners Insurance
    • New Orleans, LA
    • 60 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    February, 2014

    • Homeowners Insurance
    • Del Mar, CA
    • 45 Year Old Female
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    November, 2013

    • Homeowners Insurance
    • Henderson, NV
    • 84 Year Old Female
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    July, 2013

    • Life Insurance
    • Kansas City, KS
    • 58 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    July, 2013

    • Homeowners Insurance
    • Vero Beach, FL
    • 78 Year Old Female
    • Customer for 6 Months - 1 Year
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  • 0 of 0 people found the following review helpful.

    April, 2013

    • Homeowners Insurance
    • Ventress, LA
    • 63 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    April, 2013

    • Homeowners Insurance
    • Glendale, AZ
    • 67 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    October, 2012

    • Homeowners Insurance
    • Westwego, LA
    • 49 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    October, 2012

    • Homeowners Insurance
    • Inman, SC
    • 70 Year Old Female
    • Customer for 5+ Years
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More About American National

American National Insurance has a number of offices located throughout the United States, although their headquarters are still located in Galveston. They are licensed to operate in the entire United States, including Washington D.C., American Samoa and Puerto Rico. The company provides the following types of insurance to businesses of all sizes:

  • Health Insurance
  • Credit Insurance
  • Annuities
  • Life Insurance
  • Property and Casualty Insurance

Discounts on insurance policies may be available, although it depends on the type of policies and volume of policies purchased. In order to obtain more information on them, an American National Insurance agent must be contacted.

At this time, only certain types of life insurance policies can be purchased online directly through the American National Insurance website. All others must be purchased through an agent or from the specific American National Family of Companies partner that offers it.