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

Comparing American National vs. Nassau Life insurance finds that American National has more life insurance products available. American National Life Insurance Company has an "A" rating from A.M. Best, but Nassau Life has a "B." When stacked up, American National life insurance is about $3 cheaper than Nassau Life insurance. American National vs. Nassau Life insurance quotes will vary, so either may be cheaper for you depending on your needs.

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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 has a few more life insurance policies than Nassau Life
  • Nassau Life policies focus on annuities and investments
  • American National life insurance rates are less expensive than Nassau Life insurance rates

Is it challenging to compare American National vs. Nassau Life insurance quotes? American National and Nassau Life go by a few different names online. That’s because both companies are affiliated with several other companies.

Don’t worry — we’re here to help. Our American National vs. Nassau Life insurance guide explains how to secure American National and Nassau Life insurance rates and permanent life insurance options.

When you’re done reading about American National vs. Nassau Life, compare multiple companies in your area by entering your ZIP code in the free tool above.

American National vs. Nassau Life Insurance: Which company has more life insurance products?

Before we compare Nassau Life and American National life insurance rates, let’s talk about the life insurance products at both companies.

American National vs. Nassau Life Insurance Products
American National Life Insurance ProductsNassau Life Insurance Products
ANICO Signature Term Life (Fully Underwritten)Nassau Re / Phoenix Simplified Issue (SI) Safe Harbor Term
ANICO Signature Term Life (No-Exam)Nassau Re / Phoenix Remembrance Life
ANICO Signature Whole LifeNassau Re Simplicity Index Life
ANICO Executive Universal Life Insurance
ANICO Indexed Universal Life Insurance
ANICO Signature Guaranteed Universal Life Insurance
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American National Life Insurance Company (ANICO) has more term and permanent life insurance products.

Nassau Life (Nassau Re) purchased Phoenix Life in 2015, so the Phoenix Life insurance policies are now with Nassau Life.

Read on to learn about other insurance products that are available at American National and Nassau Life.

Other Insurance Products at American National and Nassau Life Insurance Company

There are several insurance options you can bundle into your life insurance policy. But which company has more insurance products?

Let’s look at a list of insurance products at these companies to see which one is more versatile.

American National vs. Nassau Life: Other Products and Services
American National Insurance Products & ServicesNassau Life Insurance Products & Services
AnnuitiesNassau Simple Annuity
Business InsurancePersonal Income Annuity
Health InsurancePersonal Protection Choice
Auto InsurancePersonal Retirement Choice
Homeowners InsuranceNassau MyAnnuity
Renters InsuranceNassau Growth Annuity
Classic Car InsuranceMedicare Supplement Insurance
Farm & Ranch InsuranceNassau Corporate Credit
Recreational InsuranceNassau Private Credit
Credit Life and Credit Disability InsuranceNassau CorAmerica
(AD&D) Accidental Death and Dismemberment InsuranceNassau Alternative Investments
Credit Involuntary Unemployment Insurance
Guaranteed Asset Protection (GAP)
Collateral Protection Insurance
Vendor's Single Interest Insurance
Credit Property Insurance
Debt Cancellation/Protection
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The American National annuity options appear to be more general, but Nassau Life focuses on annuities and other investments.

If you’re looking for more flexibility with insurance services, American National may be a better choice.

Do you want to learn more about American National and Nassau Life? Read our American National life insurance review and Phoenix Life insurance review for more details.

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Comparing American National and Nassau Life Insurance Rates

A lot of factors go into whether affordable American National vs. Nassau Life insurance is available to you. Some of the most significant factors are your age and health, and the term length and death benefits (coverage limit) you choose.

Let’s look at some sample American National and Nassau Life rates.

American National vs. Nassau Life Insurance Rates by Age, Gender, and $100K Benefits
Age of Non-Smoking PolicyholderAmerican National Monthly Rates Based on 10-Year/$100K Policy (Female)American National Monthly Rates Based on 10-Year/$100K Policy (Male)Nassau Life Monthly Rates Based on 10-Year/$100K Policy (Female)Nassau Life Monthly Rates Based on 10-Year/$100K Policy (Male)
25$11.32$12.27$14.58$16.05
30$11.32$12.27$14.50$16.22
35$11.66$12.53$15.36$17.35
40$14.34$15.64$17.00$22.09
45$18.49$21.08$23.39$25.54
50$23.85$28.51$30.55$35.81
55$31.02$41.64N/AN/A
60$42.85$62.12N/AN/A
65$65.49$100.40N/AN/A
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American National life insurance rates are more affordable than Nassau Life insurance rates. Also, Nassau Life doesn’t provide term life insurance quotes for people over 50.

You’ll also notice that females pay less than males. Women pay less for life insurance because men have lower life expectancies as they age.

If your personal factors and coverage choices generate higher than average rates, ask American National or Nassau Life about discounts. Some insurance companies offer deals for using paperless billing, for instance.

American National and Nassau Life Insurance Company Ratings

American National and Nassau Life didn’t make the J.D. Power Life Insurance Study of 2020. However, both companies have A.M. Best ratings. Let’s compare them.

  • American National Life Insurance Company – A (Excellent)
  • Nassau Life Insurance Company – B (Fair)

“A” ratings from A.M. Best show that an insurance company is financially stable and satisfies customers on a high level. The “B” rating is less positive, obviously, especially compared to the ratings of competitors.

American National and Nassau Life Insurance Customer Service

Most frequently asked questions can be answered by customer service representatives. For example, a person who wants to cancel a policy or file a claim should contact the company directly.

If you want to file a claim or cancel your policy, use these phone numbers to contact American National or Nassau Life.

  • American National Life Insurance – (800) 615-7372
  • Nassau Life Insurance – (800) 628-1936

You can even make your monthly payments by phone. If you prefer an electronic payment method, create a Nassau Life or American National login to pay for your life insurance policy online.

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American National vs. Nassau Life Insurance: What’s the bottom line?

American National Life Insurance Company is a better life insurance company. When compared, American National life insurance rates are cheaper than Nassau Life rates, and it has a much better A.M. Best rating.

Nassau Life provides many investment and annuity options, but it doesn’t have product and service flexibility like American National. Overall, Nassau Life’s disadvantages outweigh its advantages.

Hopefully, this life insurance guide helped you decide whether to buy American National vs. Nassau Life insurance. Use our comparison tool below to compare multiple companies near you.

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