Term Life

Fixed-rate coverage and a level benefit for a defined period of time

Not everyone needs lifetime coverage. In fact, there are many situations where short- or limited-term insurance is a better fit. Your children will eventually complete their education and become independent, your mortgage will ultimately be paid off, and you and your spouse will retire. American National offers many term insurance options for just these types of limited situations.

With a term life policy, you’ll pay a regular premium for the length of the term in exchange for a fixed amount of coverage for that same period. Term life premiums are generally lower than premiums for permanent life insurance.


People choose American National term life for a variety of reasons:

  • Custom selection of the term (10, 15, 20 or 30 years) that best fits your needs
  • Competitively priced, affordable coverage for only the time you need it
  • Level premium payments
  • Ability to customize coverage with riders such as living benefits
  • Preservation of insurability for converting to permanent insurance later
  • Policies backed by American National’s 100+ years of financial stability 


Locate a life insurance policy

Sometimes life insurance policyholders forget to tell beneficiaries about their policies. If you think you are a named beneficiary on a deceased loved one’s life insurance policy, the National Association of Insurance Commissioners can help. Use the NAIC life insurance policy locator to get started.

Once requested, the NAIC will:

· Ask participating companies to search their records

· Ask those companies to reach out to you. But, you must be the designated beneficiary or authorized to receive information.

Visit the NAIC’s list of Frequently Asked Questions if you have any other questions.


Frequently Asked Questions

  • How do I pay my life insurance bill?

    If you have a billing notice, send your check or money order payment to the address listed on the notice. If you are unable to locate a billing notice, you can obtain payment information by contacting our Customer Service Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. Central time, or your American National agent. Please keep in mind that policy changes or inquiries can only be requested by the owner of the policy.

    Our Interactive Voice Response (IVR) provides automated information 24 hours, seven days a week.  Simply follow the voice prompts to receive policy values, payment details, transaction dates, etc.  You will need your policy number and the last four digits of the policy owner’s Social Security Number to access this system.

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