American National vs. Securian Financial: Best Life Insurance Company in 2021

American National and Securian Financial are both great companies, but Securian Financial has an "A+" rating from A.M. Best while American National has an "A." Securian Financial life insurance rates are a little cheaper than American National rates, but American National has more insurance products. Compare American National vs. Securian Financial life insurance quotes to secure the best rates.

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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

  • Securian Financial life insurance rates are cheaper than American National life insurance rates
  • American National has more insurance products
  • Minnesota Life is an affiliate of Securian Financial

Comparing American National vs. Securian Financial life insurance can help you find cheaper term life insurance quotes. Many factors go into how affordable American National vs. Securian Financial life insurance is for you.

This guide explains everything you need to know about American National vs. Securian Financial life insurance rates, insurance products, and third-party ratings.

When you’ve finished this American National vs. Securian Financial life insurance review, enter your ZIP code in the free comparison tool above to compare multiple companies in your area and secure the best rates.

Comparing American National vs. Securian Financial Life Insurance Products

It’s essential to know what you’re getting before you buy life insurance.

We researched Securian Financial and American National life insurance to give you a side-by-side comparison of the two companies’ life insurance options. Let’s review.

American National vs. Securian Financial Life Insurance Products
American National Life Insurance ProductsSecurian Financial Life Insurance Products
Term Life Insurance (10, 15, 20, and 30-Year Terms)Individual/Group Term Life Insurance
Whole Life InsuranceIndividual/Group Universal Life Insurance
Universal Life InsuranceIndividual/Group Whole Life Insurance
Indexed Universal Life InsuranceVariable Group Universal Life
Guaranteed Universal LifeLong-term Care Insurance
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Although both companies have the same number of life insurance options, the Securian Financial Life Insurance Company expands to include group life insurance policies.

American National Life Insurance Company is geared toward individuals. However, American National makes up for its lack of group policies with other products. Continue reading to learn more.

What other insurance products can you buy at American National and Securian Financial?

If you’re looking for additional insurance products, American National and Securian Financial have options. But you’ll have to make sure that each company has what you need.

Let’s compare American National and Securian Financial life insurance products.

American National vs. Securian Financial Insurance Products
American National Insurance Products & ServicesSecurian Financial Insurance Products & Services
Annuities(AD&D) Accidental Death and Dismemberment Insurance
Business InsuranceBusiness Travel Accident Insurance
Health InsuranceCritical Illness insurance
Auto InsuranceAccident Insurance
Homeowners InsuranceAnnuities
Renters InsuranceFinancial Planning
Classic Car InsuranceInvestments
Farm & Ranch InsuranceTrust Services
Recreational InsuranceCredit Protection
Credit Life and Credit Disability Insurance
(AD&D) Accidental Death and Dismemberment Insurance
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 Life Insurance Company has more options than the Securian Financial Life Insurance Company.

If you’re interested in annuities, compare Securian Financial and American National annuity options to see which programs give you the best return of investment.

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American National vs. Securian Financial Life Insurance Rates

Now that you know what’s available at American National and Securian Financial, it’s time to look at how much you’ll spend on life insurance.

We couldn’t find whole and universal life insurance rates, but we located term life insurance rates. Let’s examine the rates below.

American National vs. Securian Financial Life Insurance Rates by Age, Gender, and $100K Death 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)Securian Financial Monthly Rates Based on 10-Year/$100K Policy (Female)Securian Financial Monthly Rates Based on 10-Year/$100K Policy (Male)
25$11.32$12.27$7.04$7.37
30$11.32$12.27$7.04$7.37
35$11.66$12.53$7.15$7.48
40$14.34$15.64$8.14$8.25
45$18.49$21.08$10.01$11.00
50$23.85$28.51$12.65$14.74
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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Overall, the Securian Financial rates are cheaper than the American National life insurance rates.

When we collected these sample rates, Securian Financial (Minnesota Life) did not provide life insurance to people older than 50. In September 2020, Securian Financial extended its age limit to 80.

Life insurance gets more expensive as you get older, so it’s important to compare companies to see which one has more affordable rates.

Can you save money by paying American National or Securian Financial electronically?

Ask American National or Securian Financial about paperless discounts. Some insurance companies provide a small discount when you pay your monthly payment online.

To pay your bills online, you’ll need to create an American National login or Securian Financial login to access your account.

If you want to stay away from the internet, you can always make a payment through the Securian National or American National life insurance phone number.

American National vs. Securian Financial Reviews

Before you choose American National or Securian Financial for life insurance, you should look at what financial rating agencies say about these companies.

In J.D. Power’s 2020 Life Insurance Study, Securian Financial was rated below the industry average for overall customer satisfaction. American National didn’t even make the study.

However, American National has an “A” rating from A.M. Best. Securian Financial has an “A+,” which is one grade higher than American National.

Both companies are financially stable, but Securian Financial is in a slightly better financial situation.

If you want to explore the pros and cons of American National or Securian Financial, read our American National life insurance review or Minnesota Life insurance review.

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

Securian Financial has cheaper life insurance rates and better financial strength ratings.

American National has more insurance products you can bundle, giving customers more flexibility when they need more than life insurance.

Ultimately, the best life insurance company is the one that meets your needs. Hopefully, this guide helped you decide whether to buy American National vs. Securian Financial life insurance.

Now that you’ve finished this American National vs. Securian Financial life insurance review, use our free online quote tool to compare multiple companies in your area and secure the best rates.

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