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

When comparing American National vs. Nationwide, Nationwide life insurance is cheaper for men and women. Nationwide has an A+ rating with A.M. Best, and American National has an A. In addition to American National vs. Nationwide life insurance, you can find a variety of products, such as annuities and auto insurance, offered by each company.

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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

  • Nationwide life insurance is cheaper than American National for both men and women
  • Nationwide has an A+ rating with A.M. Best, and American National has an A rating
  • American National is not rated or accredited by the Better Business Bureau, but Nationwide has an A+ rating and is accredited

For your life insurance needs, you have a variety of companies to choose from. Comparing them side by side is the most effective way to make a decision.

We’ll compare the rates and ratings of American National vs. Nationwide life insurance companies to find which one is best for you.

American National and Nationwide offer term and permanent life insurance, as well as various other services. But, before you buy American National vs. Nationwide life insurance, you should compare rates, ratings, and products to find the best fit for your needs.

You also don’t have to limit your options to just American National vs. Nationwide. Shop around and compare different companies to see who can offer you the best deal.

Keep reading to find out more about American National vs. Nationwide life insurance. Enter your ZIP code now to compare life insurance rates from multiple companies near you for free.

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

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

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

American National and Nationwide Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAmerican National Average Monthly Rates $100,000/20-yearNationwide Life Average Monthly Rates $100,000/20-year
25$14.17$12.99
30$14.17$12.91
35$15.81$13.97
40$19.18$14.60
45$24.80$17.18
50$33.61$24.74
55$47.17$39.07
60$75.77$62.48
65N/A$92.56
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Nationwide insurance is cheaper for women of all ages. However, if you smoke or have certain medical conditions, your rates will be significantly higher.

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

Next, we’ll look at the average monthly American National and Nationwide life insurance rates for men who don’t smoke.

American National and Nationwide Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAmerican National Average Monthly Rates $100,000/20-yearNationwide Life Average Monthly Rates $100,000/20-year
25$15.98$13.71
30$16.16$13.71
35$16.68$14.60
40$21.51$16.55
45$30.76$20.65
50$43.63$34.80
55$65.06$49.57
60$108.95$80.63
65$99.29$125.49
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Nationwide life insurance is cheaper for men as well. As with women, rates will be higher for men who smoke or have certain medical issues.

It may be a little difficult to compare American National vs. Nationwide life insurance quotes. While you can get a Nationwide quote online, you must speak with an agent to get an American National quote.

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

When picking a life insurance company, ratings are extremely important. Even if you get the best deal, if you can’t trust a company to come through when you need it, it’s not the best option.

A.M. Best evaluates companies on their financial health. Ratings go from A++ all the way down to D.

American National received an A rating, showing an excellent ability to meet financial obligations. Nationwide received an A+ rating, meaning it has a superior ability to meet financial obligations.

Better Business Bureau (BBB) ratings range from A+ down to F. American National is not rated or accredited. Nationwide received an A+ and is BBB accredited.

American National vs. Nationwide: The Bottom Line

American National and Nationwide both offer more than just life insurance.

While you can find term, whole, and universal life insurance with American National, you can buy other products as well. American National annuity services, auto insurance, and health insurance are also available.

You can use your American National login to access your account online, pay bills, and update your policy. You can also call the American National life insurance phone number at (800) 899-6519.

We all know that Nationwide offers auto insurance, as well as multiple other types of insurance. The company also offers annuities, mutual funds, and retirement services.

Your Nationwide insurance login allows you to access your account, set up automatic payments, and contact your agent. You can also call the Nationwide phone number at (877) 669-6877.

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

We’ve gone over your options for affordable American National vs. Nationwide life insurance, but you should still shop around to make sure you find the very best company for you.

We hope you’ve learned all you needed to know about American National vs. Nationwide. Enter your ZIP code now to compare multiple companies near you today.

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