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American National Agent Contracting

Company Overview:

The American National Insurance company is headquartered at Galveston, Texas and was founded in 1905 by William L Moody Jr. The insurance firm controls multiple subsidiaries with operations in Glenmont, New York, Springfield, Missouri, San Antonio and League City, Texas. American National Insurance is considered to be one of the largest insurers in the country.


American National has a unique underwriting process called Express Underwriting, non-medical underwriting is available for face amounts of $250,000 and less through age 65. 85% of cases are approved in 5-7 days with no further requirements. American National automatically includes Terminal, Critical, and Chronic Accelerated Death Benefit riders in all of the life products. American National has been in business since 1905 and they have maintained an A rating with AM Best since 1941(the only carrier that can make this claim).


The ratings are further indicative of the fact that American National enjoys considerable profit margins, leverage and liquidity portfolios which allows American National to provide comprehensive life insurance policies to millions of Americans. The better the financial ratings of the company, the more likely it will make payouts for claims as soon as promised.


The Moody family continues to play an active role in American National operations and the company is currently headed by CEO Robert L Moody.

American National Benefits Include:

Product Overview:

American National operates in all 50 states and is regarded by Forbes magazine as one of the “100 Most Trustworthy Companies” in its 2015 listings. American National is a publicly traded company that employs over 3,000 people and generates over $3 billion in revenues each year.


American National today offers a wide range of insurance policies and services and these include annuities, life insurance, health insurance, pension plan services, credit insurance and property and casualty insurance.

Freedom Term Life Insurance


Term life policies offered by American National are among of the most popular life policies available in the market. Perfect for people who are unwilling to undergo a medical exam and you can insured for face amounts of up to $500,000. No exam term life policies are typically given to applicants looking for 10, 20 or 30 year policies. Another benefit to buying these policies is that the process can be completed in less than 15 minutes.

ValueGuard Whole Life Insurance


Whole life policies are also offered to potential client without the need to take a medical exam. You can purchase face amounts of up to $150,000 and the approval process is super fast.

Legacy Whole Life Insurance


American National guaranteed issue policies are available to applicants between the ages of 50 to 80 years. Guaranteed issue whole life policies are offered to applicants without requiring exams or any health questions. The policy comes with fixed premium rates and death benefits as well. You can expect a two year graded death benefits and in case the event the insured dies within the first two years of buying the policy, the insurance will make a payout up to 110 % of the premiums paid.


American National provides a range of affordable and quality insurance products for people of various age groups. American National's no exam term life policies are one of the best insurance policies available in the market. With American National being financially sound, the company has a bright future ahead.

American National Contracting & Submissions:

  • Pre-Appointments required in PA and PR only.
  • Dual Contracting not allowed - 6 months of non-production to contract again.
  • E & O Required.
  • iPipeline: Quotes available for Term and UL. After quote, paper forms link from Term, but not from UL. In iPipeline Forms The Guaranteed Signature UL not available. Get paper forms for GUL above via link higher up on this page.
  • Contract via NAAIP's SuranceBay Link on our eContracting Portal Page.
  • Your first application should be sent to NAAIP's contracting department for processing.

    ANICO no longer use iPipeline for electronic submission. Electronic apps are submitted on their website, The agent must be contracted first and then can submit via Anico's ExpertApp system. There is a tutorial on the website if you hover over ExpertOffice, then under Quick Links, click on ExpertOffice Training and then ExpertApp. See pdf brochure link above. To submit an electronic app, hover over ExpertOffice and under Submit New Business, click on ExpertApp and Start New Case.

    NAAIP Guarantees You Highest Compensation on American National Contracting and Appointments

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    * The information provided is intended for licensed insurance agents only. It is not intended for the purpose of advertising the insurance products to the general public.

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