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

When you compare American Amicable vs. American National, American Amicable quotes for life insurance are cheaper. Both American Amicable and American National received an A rating from A.M. Best, although American Amicable has an A+ Better Business Bureau rating, and American National isn’t rated. Both companies offer online claims filing, but don't provide quotes online.

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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 Amicable has cheaper average life insurance rates than American National
  • Both American Amicable and American National have an A rating with A.M. Best
  • American Amicable has an A+ rating with the Better Business Bureau (BBB) and is accredited, while American National is not rated or accredited with the BBB

There are a lot of life insurance companies out there, and we know it can be hard to figure out which is best for you. In this guide, we’ll evaluate the pros and cons of American Amicable vs. American National life insurance companies head to head.

Both companies offer term and permanent life insurance options, such as whole and universal life. Before you choose between American Amicable vs. American National life insurance, compare the rates, ratings, and products offered to find out which company best suits your needs.

Read on to learn about American Amicable vs. American National. Enter your ZIP code now to compare life insurance quotes from multiple companies near you for free.

American Amicable vs. American National: Which company offers more affordable rates to women?

You might be surprised to learn about all of the factors that go into determining your insurance rates. Insurers use your age, gender, medical history, habits, and hobbies to calculate your rates.

This table compares the average monthly American Amicable vs. American National life insurance rates of non-smoking women of various ages.

American Amicable and American National Average Monthly Life Insurance Rates for Women by Age
Age of Female Non-SmokerAmerican Amicable Average Monthly Rates $100,000/20-year PolicyAmerican National Average Monthly Rates $100,000/20-year Policy
25$11.88$14.17
30$12.15$14.17
35$13.41$15.81
40$16.20$19.18
45$21.06$24.80
50$28.08$33.61
55$38.61$47.17
60$59.40$75.77
65$100.17N/A
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American Amicable has cheaper life insurance rates for women of all ages. Keep in mind that some American National policies are not available to women ages 65 and older.

Your rates may be higher if you smoke or have certain medical conditions.

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American Amicable vs. American National: Which company offers more affordable rates to men?

Next, let’s look at the average monthly life insurance rates for men from American Amicable and American National.

American Amicable and American National Average Monthly Life Insurance Rates for Men by Age
Age of Male Non-SmokerAmerican Amicable Average Monthly Rates $100,000/20-year PolicyAmerican National Average Monthly Rates $100,000/20-year Policy
25$14.67$15.98
30$14.40$16.16
35$15.57$16.68
40$19.98$21.51
45$27.99$30.76
50$39.06$43.63
55$57.51$65.06
60$88.47$108.95
65$136.80N/A
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American Amicable has cheaper rates for men as well. Also, just as with women, some American National policies will not be available to men ages 65 and older.

It can be difficult to compare American Amicable vs. American National life insurance quotes. Neither company offers online quotes directly on the website.

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

When it comes to selecting a life insurance provider, ratings are also significant. The company with the lowest prices may not be the most reliable. Let’s compare American National and American Amicable life insurance reviews and ratings.

A.M. Best evaluates insurance companies on their financial health. Ratings go from an A++ all the way down to D. Both American Amicable and American National received an A, showing they have an excellent ability to meet financial obligations.

The Better Business Bureau ratings range from A+ down to F. American Amicable received an A+ rating and is accredited. American National is not rated or accredited by the BBB.

American Amicable is over 100 years old and is based in Texas. American Amicable products include term, whole, and universal life insurance coverages.

American Amicable claims can be filed using an online form, and you can also call the claims customer service number at (800) 736-7311.

American National is also over 100 years old and is based in Missouri. Its offerings include life, auto, renters, and health insurance, among others. You can also find American National annuity products.

American National claims can be filed on the website using your American National login or by calling the American National life insurance phone number at (800) 615-7372.

To learn more, read our American Amicable life insurance review and our American National life insurance review.

We’ve gone over your options for affordable American Amicable vs. American National life insurance. Compare products, rates, and ratings to decide if either company is right for you.

We hope this review has helped you to understand how American Amicable vs. American National life insurance stack up. Enter your ZIP code now to compare life insurance quotes from companies near you for free.

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