Accordia Life vs. American National: Best Life Insurance Company in 2021

When comparing insurers like American National vs. Accordia Life, it is for the best that you analyze not only pricing, but company ratings as well. American National offers more competitive rates to both men and women of various ages. American National holds a higher rating than Accordia Life from A.M. Best, but they do not even have a rating from the Better Business Bureau.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • American National offers more competitive rates than Accordia Life to women in their 30s, 40s, 50s, and 60s
  • American National offers more competitive rates than Accordia Life to men in their 30s, 40s, 50s, and 60s
  • American National scored a higher rating than Accordia Life from A.M. Best
  • Accordia Life is more well-reviewed than American National by the Better Business Bureau as American National currently does not even have a rating

Because you’re here with us today, you are probably searching for your next, maybe even first, life insurer. The process of insurer comparison can prove itself to be a very complicated one. For this reason, we are only going to be focusing on Accordia Life vs. American National today.

If you would like to learn more about Accordia Life and Annuity Company, be sure to read our Accordia Life Insurance Review.

Before we really dive into our comparison of Accordia Life vs. American National, be sure to type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.

Accordia Life vs. American National: Which company offers better rates to men?

When you begin the lengthy process of insurer comparison, you almost certainly want to start with what is most important to you. For most people, the answer is simple: pricing. Let’s take a look at a table that will show the rates offered to men in their 30s, 40s, 50s, and 60s by American National Insurance and Accordia Life.

Sample MassMutual Life Insurance Rates by Age, Gender, and Coverage
Age $100,000: 20-Year Term (Male)$100,000: 20-Year Term (Female)$250,000: 20-Year Term (Male)$250,000: 20-Year Term (Female)$500,000: 20-Year Term (Male)$500,000: 20-Year Term (Female)
25$10.36$9.66$15.00$13.48$23.08$19.58
35$10.79$9.84$15.88$13.93$24.38$21.33
45$17.93$15.06$32.40$26.33$57.43$44.83
55$39.24$29.24$73.73$57.43$139.23$103.98
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As you can see, it’s a bit of a landslide. For 30-year-old males, Accordia Life is over two dollars more per month than American National. Doesn’t sound like a lot, right? The disparity only grows.

For 40-year-old males, Accordia Life is over four dollars more expensive per month. For 50-year-old males, American National is almost 12 dollars cheaper per month than Accordia Life.

Finally, for 60-year-old males, American National is over 58 dollars cheaper per month than Accordia Life. That’s quite the staggering disparity.

Let’s move on to the rates offered to women to see if American National wins again. If you would like to learn more about American National, be sure to read our American National Life Insurance Review.

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Accordia Life vs. American National: Which company offers better rates to women?

We’re now going to do the same thing we did in the prior section though this time with rates offered to women in their 30s, 40s, 50s, and 60s by American National and Accordia Life.

Average AIG vs. Liberty Mutual Life Insurance Rates Comparison by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (AIG)10-Year Term (Liberty Mutual)20-Year Term (AIG)20-Year Term (Liberty Mutual)
25 - Male$10.34$31.28$12.90$33.30
25 - Female$9.57$20.70$11.33$23.40
35 - Male$11.67$32.40$13.53$39.60
35 - Female$11.08$21.38$12.69$30.15
45 - Male$17.95$44.33$28.28$78.53
45 - Female$16.46$33.75$23.06$62.33
55 - Male$41.68$119.25$69.89$144.68
55 - Female $31.68$80.10$52.58$107.78
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As you can see, for women in their 30s, American National is slightly above two dollars and fifty cents cheaper per month. For women in their 40s, American National is over three dollars cheaper per month.

For women in their 50s, Accordia Life is almost 12 dollars more expensive per month than American National. Finally, when it comes to women in their 60s, Accordia Life is almost a whopping 35 dollars more expensive per month than American National.

So, American National wins again, this time in terms of rates for women. Let’s go ahead and wrap up with company ratings to see if American National wins three for three.

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Accordia Life vs. American National: Which company is more well-reviewed?

One final thing to analyze when comparing insurers is their ratings from companies such as A.M. Best and the Better Business Bureau (BBB).

The Better Business Bureau’s rating scale extends from the high end of A+ down to the lowest end of F. Accordia Life received the BBB’s second-highest possible rating, which would be an A. However, as of this time, Accordia Life is not accredited by the Better Business Bureau.

How did American National do with the BBB? It turns out that American National is not only not BBB accredited, but the Better Business Bureau hasn’t even given them a rating.

A.M. Best’s rating scale is a little different from the BBB’s. This scale ranges from the highest possible rating of A++ down to the lowest possible rating of D. From A.M. Best, Accordia Life scored a rating of A-.

Did American National do any better with A.M. Best than they did with the Better Business Bureau? They did, as they scored a rating of A (Excellent), which is higher than Accordia Life.

So, in short, we can call it a tie between Accordia Life vs. American National in terms of company ratings. All in all, you have two very fine options here to choose from. But don’t let your insurer comparison stop here. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

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