The Facts About American National

A legacy of certainty, a future of growth


For more than a century, American National has been a reliable leader in the insurance industry. Now, American National continues to move forward while building on its long-standing principles of financial strength and customer service. 

Our exciting progress has been enhanced since the acqusition of American National by Brookfield Wealth Solutions in May 2022. "Our acquisition by Brookfield Wealth Solutions has introduced a new era of strength and focus," says Tim Walsh, American National's president CEO. "We have a unique opportunity to capitalize on American National's core insurance operations, our great team, and our relentless commitment to our policyholders, especially when combined with access to Brookfield's leading asset management capabilities."

This page is intended to be a resource for American National clients, distribution partners, and other stakeholders who seek the facts about our business. 

American National is strong durable


American National is highly rated with a sable outlook for financial strength by major rating agencies A.M. Best, Fitch, and S&P Global Ratings and was recently spotlighted for consistent financial strength by A.M. Best after earning our 82nd consecutive year with Financial Strength Rating of A or better.

One of America's Best Insurance Companies

We’re dedicated to strong financial stability and growth to operate responsibly and fairly for everyone – from you, to our employees, to our business partners. These ratings1 are provided to you so that you can make a comparison of American National insurance companies to other companies.

American National Insurance Company Ratings
A.M. Best

A

2

Fitch

A

3

S&P

A

4

1) These ratings are provided to you so that you can make a comparison of American National Insurance Company to other companies. Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on each rating agency’s quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations. Although the formal rating process typically occurs once a year, rating modifications can be made at any time.

2) A.M. Best Company, independent analysts of the insurance industry since 1899, assigns annual ratings after an extensive analysis using a series of profitability, leverage and liquidity tests that measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments, and capital sufficiency.

The Best's Rating Report(s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or implied, an endorsement of (Licensee)'s products or services. A.M. Best is not responsible for transcription errors made in presenting Best's Rating Reports. Best’s Rating Reports are copyright © A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this web site are authorized to print a single copy of the Best’s Rating Report(s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited.”

Best's Ratings are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Rating, access www.ambest.com. A.M Best’s active company rating scale ranges from A++ (Superior) to D (Poor).

3) Please see the Fitch Ratings website for more information on credit rating categories.

4) Standard & Poor's Financial Services LLC, provides independent financial information, analytical services, and credit ratings to the world's financial markets. For more information on Standard & Poor's rating of American National Insurance Company and related operating companies, view the ratings report above.

Standard & Poor’s active company rating scale ranges from AAA (Extremely Strong) to CC (Extremely Weak). Plus (+) or minus (-) modifiers show the relative standing within the categories from AA to CCC.

American National is highly capitalized


American National maintains a strong financial position, with a large capital bugger at the highest 'AAA' level per S&P Global Ratings risk-based (RBC) model.

A.M. Best reports American National has the strongest level of risk-adjusted capitalization as measured by Best's Capital Adequacy Radio (BCAR), noting that overall capital levels remain favorable.

Fitch notes "very strong capitalization" as a key driver of American National's rating, scoring the company in the 'Very Strong' category of Fitch's Prism Factor-Based Capital Model. Fitch notes it expects American National to remain "at or above the 'Very Strong' category." Refer to the ratings reports for details.

American National is dedicated to compliance with all laws and regulations


American National is regulated by the state insurance regulators of the jurisdictions in which we operate. In addition, we regularly report American National capital ratios and investment portfolios, including financial statements.