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American National Final Expense Insurance Review

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American National Insurance Company is a large, publicly-traded multi-line insurance company that was founded in 1905. The company is headquartered in Galveston, Texas, and serves all 50 states and Puerto Rico. It sells a variety of types of insurance, including a guaranteed universal life policy that can function as final expense insurance.

American National's guaranteed universal life policy provides a death benefit that can be used to cover final expenses. No medical health examination or waiting period is required. The policy pays in the event of both accidental death and non-accidental death.

Images retrieved from www.americannational.com 3/27/20

Services and Features

Rates will vary according to the insured person's age. The company does not provide quotes online, but it does have a network of agents who can provide interested consumers with detailed quotes. The most important factors to consider are the cost of the premiums, the size of the benefit, and the flexibility that the policy may provide in the event of unforeseen financial needs. 

Services and Features

Online Quotation

  ✗

Online Account

  ✗

No Health Examination

  ✔

Easy Application

  ✔

No Waiting Period

  ✔

Coverage

Maximum Coverage

  Not disclosed

Premium Duration

  Not disclosed

Burial plot

  ✔

Casket or Urn

  ✔

Cremation

  ✔

Embalming

  ✔

Funeral Car

  ✔

Medical Bills

  ✔

Credit Card Debt

  ✔

Accidental Death

  ✔

Qualifications

Age

  Not disclosed

No serious health issues?

  Not disclosed

Plan Details

Prepaid Funerals

  ✗

Terms of Payment

  Not disclosed

Premiums

  Not disclosed

Guarantee

  Guaranteed cash value

Rates

  Not disclosed

Help and Support

Family Support Service

  ✗

Live Chat

  ✗

Telephone Assistance

  ✔

Email

  ✔

FAQs

  ✗

Funeral Insurance at American National

All American National guaranteed universal life policies are sold through the company's nertwork of agents. Quotes are free to obtain and without obligation. The American National website offers an easy-to-use search tool through which consumers can view a list of the agents in and near to their zip code. Claim service is available 24/7 by phone. The company offers competitive premiums that are mainly based on the applicant’s age.

American National is a solid, old-established, medium-sized insurance company. Their continued operation for over 115 years through good and bad economic times suggests that the firm is conservatively managed and financially sound. Although it doesn't provide much information online about its guaranteed universal life policies, it is a sound choice for people who want the personal touch of an insurance agent to guide them through the insurance process. 


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