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

When comparing American National vs. Assurity, Assurity life insurance is cheaper for both men and women. American National has an A rating from A.M. Best, which is slightly higher than Assurity’s A- rating. However, Assurity has an A+ BBB rating and American National isn’t rated. While American vs. Assurity life insurance includes term, whole, and universal, other products such as annuities are also offered.

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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

  • Assurity life insurance is cheaper than American National for both men and women
  • American National has an A rating with A.M. Best, and Assurity has an A-
  • Assurity has an A+ BBB rating, and American National isn’t rated at all

There are many different life insurance companies out there, and comparing them head to head will help you make an informed choice. We’ll evaluate American National vs. Assurity life insurance companies to see which one is best for you.

While both companies offer term and permanent life insurance, you should compare rates, ratings, and products before you buy American National vs. Assurity life insurance.

Keep in mind, you don’t have to limit your selection to just American National vs. Assurity. Consider other companies as well to find cheap life insurance that fits your needs.

Keep reading to compare American National vs. Assurity life insurance. Enter your ZIP code now to compare life insurance rates from multiple companies near you for free.

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

Although many different factors affect your life insurance rates, your age, gender, and medical history are the most significant.

This table shows the average monthly American National vs. Assurity life insurance rates for non-smoking women of various ages.

American National and Assurity Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAmerican National Average Monthly Rates $100,000/20-yearAssurity Average Monthly Rates $100,000/20-year
25$14.17$8.70
30$14.17$8.70
35$15.81$10.09
40$19.18$12.44
45$24.80$16.53
50$33.61$24.71
55$47.17$35.76
60$75.77$56.64
65N/A$98.40
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Assurity life insurance rates are cheaper for women of all ages. However, if you smoke or have certain medical conditions, your rates will be much higher.

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

Now, let’s look at the average monthly American National and Assurity life insurance rates for men who don’t smoke.

American National and Assurity Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAmerican National Average Monthly Rates $100,000/20-yearAssurity Average Monthly Rates $100,000/20-year
25$15.98$9.83
30$16.16$9.83
35$16.68$11.05
40$21.51$14.62
45$30.76$20.45
50$43.63$31.06
55$65.06$47.50
60$108.95$80.21
65$99.29$91.53
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American National life insurance rates are higher than Assurity rates for men of all ages.

It might be difficult to compare American National vs. Assurity life insurance quotes.

While Assurity offers online quotes, you can’t get an American National quote directly from the website. The American National life insurance phone number is 800-899-6519.

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

Rates aren’t all that you need to consider when you choose a life insurance company. Compare ratings and reviews as well to make sure you are going with a dependable company that you can trust.

A.M. Best evaluates companies on their financial health. Ratings go from an A++ all the way down to a D. American National received an A while Assurity received an A-. Both companies show an excellent ability to meet financial obligations.

When it comes to the Better Business Bureau (BBB), ratings range from an A+ down to an F. Assurity received an A+ rating and is accredited, but American National isn’t rated or accredited.

American National vs. Assurity: The Bottom Line

While there are some similarities between American National and Assurity life insurance companies, there are differences as well.

American National offers many types of insurance, such as life, auto, home, and health insurance. You can also get American National annuity and specialty services.

You can use your American National login to access your account and make payments.

Assurity offers term, whole, and universal life insurance products, as well as annuities. Assurity disability insurance is available to help replace some of your income if you are injured and can’t work.

You can also access your account through the website. Use your Assurity life insurance login to check your policy, pay a bill, or file a claim.

To learn more about each company, read our American National life insurance review and our Assurity life insurance review.

Although it’s possible to find affordable American National vs. Assurity life insurance, shop around to make sure you find the best life insurance for you.

We hope you’ve learned all you need to know about American National and Assurity. Enter your ZIP code to compare life insurance quotes from various companies for free.

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