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

When you compare American National vs. Sagicor life insurance companies, Sagicor offers competitive rates for term life insurance coverage. Both American National and Sagicor have options for term, whole, and universal coverage. American National boasts an A rating with A.M. Best while Sagicor has an A- rating.

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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 26, 2021

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Quick Facts

  • American National and Sagicor offer term and permanent life insurance policies
  • Both American National and Sagicor also include options for additional life insurance riders and annuities
  • American National has an A rating with A.M. Best while Sagicor has an A- rating

When considering life insurance companies, it may be in your best interest to look at smaller companies for coverage. If you are looking for life insurance options with a small company, American National vs. Sagicor life insurance could be a good route.

American National and Sagicor life insurance companies offer several options for term and permanent life insurance policies. Depending on what you’re looking for, you may be interested in setting up a policy.

Before you decide whether it’s possible to find affordable American National or Sagicor life insurance, be sure to compare life insurance rates from other companies.

You can enter your ZIP code into our free tool above to try and find life insurance quotes that might be a better fit than American National or Sagicor life insurance rates.

How much are life insurance rates with American National and Sagicor?

Because American National life insurance rates are not available online, it’s difficult to compare life insurance costs between American National and Sagicor.

Typical American National and Sagicor insurance rates vary based on several factors, such as:

  • Your age
  • Your gender
  • Your occupation
  • Your health history
  • Your family’s medical history
  • Your hobbies
  • The type of policy

With this in mind, sample rates with Sagicor for a term life policy worth $250,000 are as follows:

Sagicor Monthly Life Insurance Rates by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (Sagicor) Average Monthly Rates20-Year Term (Sagicor) Average Monthly Rates
25 - Male$10.39$13.54
25 - Female$9.45$11.79
35 - Male$10.70$14.29
35 - Female$9.68$12.65
45 - Male$17.53$28.34
45 - Female$15.98$22.96
55 - Male$54.09$81.29
55 - Female $40.09$65.75
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Sagicor monthly rates tend to be lower than rates with most other companies, so these monthly term life insurance rates are quite competitive.

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What types of life insurance do American National and Sagicor offer?

When it comes to life insurance coverage, American National and Sagicor have several different options to help meet your needs. The types of life insurance coverages available with American National include:

  • Whole life: Coverage for a lifetime of protection
  • Term life: Coverage for a fixed amount of time, generally anywhere from 10 to 30 years
  • Universal life: Similar to whole life but offering a bit more flexibility in monthly payments and overall payout amounts
  • Indexed universal life: A universal life policy tied to a particular stock index
  • Guaranteed universal life: Coverage that allows you to choose the guarantees you want

Rates for each of these coverages depend on the life and health factors listed previously. To get the most accurate American National or Sagicor life insurance quotes, it’s best to use your personal information to the best of your knowledge.

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Sagicor offers term and permanent life insurance options, which include:

  • Sage term life: Coverage from 10-20 years with multiple rider options
  • Indexed premium universal life: Lifetime coverage with a cash value growth option; this plan includes coverage for chronic and terminal illness
  • Sage whole life: Coverage with fixed premiums that will not change over time
  • Sage indexed universal life: Coverage with an immediate death benefit and greater wealth accumulation potential

American National and Sagicor both offer annuities and rider options with their life insurance as well. As you decide whether you want to buy American National or Sagicor life insurance, you should take all of this into consideration.

Which company has better ratings, American National or Sagicor?

When it comes to financial strength, American National and Sagicor both have very respectable reputations.

American National boasts an A (excellent) rating with U.S.-based credit rating agency A.M. Best. American National’s life insurance reviews and ratings suggest the company has financial fortitude and a positive outlook for the future.

Sagicor life insurance earned just under American National’s rating with an A- from A.M. Best, which is also considered excellent.

These ratings are good news for anyone considering starting a policy with either insurance company, as they indicate both American National and Sagicor will have the means to fulfill the specifics of each policy.

Should I choose American National or Sagicor?

Whether you choose American National or Sagicor ultimately depends on what you’re looking for in a life insurance company.

American National offers more options in terms of permanent life insurance policies, and the company has an A rating with A.M. Best. Likewise, Sagicor offers several add-ons for policies and boasts competitive rates when it comes to term life insurance coverage.

As you decide on the life insurance company that works best for you, you need to consider your needs and the needs of your family. This will help you decide which type of policy is best,

Additionally, you should always compare life insurance quotes from multiple companies to be sure you are getting the most competitive rates available.

Now that you’ve read this American National vs. Sagicor review, you can use our free tool below to access life insurance rates from top companies in your area.

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