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

When you compare American National and Prudential life insurance companies, both offer options for term and permanent life insurance coverage. American National has an A rating with A.M. Best and Prudential has an A+ rating, and both allow policyholders to access their policies, make claims, and a claim's status online and via their mobile apps. Don't buy American National or Prudential life insurance without comparing quotes.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Aug 9, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • American National and Prudential offer term and permanent life insurance options
  • Both American National and Prudential have mobile apps policyholders can use
  • American National has an A rating with A.M. Best
  • Prudential has an A+ rating with A.M. Best

When you are looking for life insurance options to meet your needs and the needs of your family, you may want to consider American National vs. Prudential life insurance companies.

American National and Prudential are two popular life insurance companies that offer several different types of term life insurance as well as permanent life insurance for potential policyholders.

American National and Prudential life insurance benefits vary based on the amounts and coverages you choose. If you are searching for affordable American National or Prudential life insurance rates, your best bet is to shop around with multiple companies.

Before you decide to buy American National or Prudential life insurance, enter your ZIP code into our free tool above to compare life insurance rates from top companies in your area.

How much is life insurance with American National and Prudential?

Life insurance rates for American National and Prudential vary based on a person’s age, gender, credit history, health history, and many other factors.

American National and Prudential do not make their life insurance rates available online. However, we can provide you with a list of average monthly term life insurance rates by age.

Average Monthly Term Life Insurance Rates by Age
AgeAverage Monthly Rates for a Male, $100,000 PolicyAverage Monthly Rates for a Female, $100,000 PolicyAverage Monthly Rates for a Male, $250,000 PolicyAverage Monthly Rates for a Female, $250,000 PolicyAverage Monthly Rates for a Male, $500,000 PolicyAverage Monthly Rates for a Female, $500,000 Policy
25$11.03$10.02$22.10$12.91$23.19$19.04
30$11.12$10.07$15.31$13.02$23.85$19.26
35$11.12$10.07$15.42$13.02$24.07$19.26
40$12.65$11.12$17.94$15.21$29.10$23.63
45$14.57$13.31$21.55$19.69$36.32$32.60
50$18.60$17.20$30.19$27.02$53.60$47.26
55$24.51$20.61$42.88$34.35$78.98$61.91
60$35.88$27.48$71.10$50.86$78.98$94.94
65$51.06$37.76$109.82$75.14$212.85$143.51
Get Your Rates Quote Now

Compare RatesStart Now →

If you choose a term life insurance policy, which is a life insurance policy that covers you for a specific amount of time with no cash value, your rates could still vary because of your gender or different health factors — such as whether you are a smoker.

You could also choose to purchase permanent life insurance coverage, which would change your monthly or annual American National and Prudential life insurance rates as well.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Does American National offer permanent life insurance?

In addition to term life insurance, American National offers several other coverage options to policyholders.

With American National, whole life ensures that your loved ones receive guaranteed benefits after you’re gone. You can count on a fixed premium, options for dividends, and fixed benefits.

American National also offers universal life insurance options. These coverages include flexible benefits, flexible premiums, and optional riders. Indexed and guaranteed universal life are additional options for universal coverage.

What does Prudential offer for life insurance?

In addition to term life insurance, Prudential has the following life insurance options:

  • Universal life insurance – Offers a death benefit with no lapse in coverage. This type of policy provides flexibility with premium payments and the potential to build cash value over time.
  • Indexed universal life insurance – A policy with cash value growth potential that includes a death benefit and additional investment features. This type of policy can help you while you’re still living and provide for your loved ones after you die.
  • Variable universal life insurance – Includes a death benefit with a guarantee that there will be no lapse in coverage. This policy has the greatest potential to build cash value compared with other permanent policies, but cash value can decline depending on investment performance.

Now that you know more about what these two companies, offer, read on to learn more about getting insured by them.

How can I get life insurance with American National or Prudential?

If you are looking for life insurance coverage with either company, you can call the American National insurance phone number or contact Prudential’s life insurance customer service for more details.

Both American National and Prudential offer policyholders the opportunity to review their policies, update information, file claims, and check the status of a claim on their websites and via their mobile apps.

To check on your policy or file a claim, you can simply use your American National or Prudential life insurance login on the website or app.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Is American National or Prudential better for me?

American National and Prudential are both highly respected life insurance companies. American National boasts an A (excellent) rating with A.M. Best, indicating that policyholders are in good hands.

Prudential life insurance garners an A+ rating, which is considered superior, with A.M. Best. The companies’ ratings prove that both have a strong operating performance, a favorable business profile, and a healthy position with regard to risk management.

As you are deciding on a life insurance company, you need to take everything into consideration. Decide what type of coverage you want, evaluate the monthly or annual rates from each company, and examine each company’s financial health.

Before simply comparing American National and Prudential life insurance quotes, you can enter your ZIP code below to get free life insurance quotes from top companies near you.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. BBB