Your Guide To American National (ANICO) Life Insurance [Instant Quotes]

Written by Nophysicaltermlife.com

American National Life Insurance Company (ANICO), a top-rated life insurance carrier, has some of the most affordable no physical exam, term life insurance rates in the United States. In fact, ANICO also has one of the longest-running no physical (non-med, no exam) products on the market, demonstrating the company’s longstanding strength.

Currently, American National offers term coverage of up to $250,000 with no medical exam, via their Xpress product. They have a convenient online application that accepts e-signatures to make the application process quick and easy.

Additionally, American National has introduced another no exam life insurance product called, Xpress PlusXpress Plus offers life insurance for up to $1,000,000 and does not automatically require a medical exam.

What no exam insurance means Life insurance issued without the medical examination of the applicant. In other words, many are able to purchase life insurance while skipping the nurses, needles and liquid samples.

As with any big decision, it’s important to understand your no physical life insurance options before moving forward.

Here’s why – Every no physical life insurance carrier is different in their policies and features. Your unique needs will determine which life insurance company will be best to apply with.

Goal – Review ANICO’s Xpress and Xpress Plus life insurance products to decide if one is a good fit for you.



American National Company (ANICO) HistoryANICO

American National was founded in 1905, under William L. Moody, Jr. Moody believed in, “strong management, prudent investment, and financial strength”, values that still resonate at ANICO to this day. While ANICO is a publicly traded company, the Moody family controls the company’s stock majority.

ANICO is headquartered in Galveston, Texas and has been in business for over 500 years. They offer a number of financial products, including “life insurance, retirement annuities, accident and health insurance, pension plan products and services, credit insurance, and property/casualty insurance for personal lines, agribusiness and targeted commercial exposures”.

ANICO

ANICO headquarters, Moody Plaza, Galveston, TX

Interesting fact: In 2017, ANICO was voted by Forbes as one of “America’s Most Trustworthy Financial Companies”.

Financial Strength Rating: A (A.M. Best, 2017)

ANICO Xpress Overview

ANICO

*Subject to change

Some of the most important features to consider when purchasing a life insurance policy are:

  • Wait time – What’s the application turnaround time for your policy to be issued?
  • Issue ages – What is the age range of applicants the life insurance company is willing to insure?
  • Policy amount – What is the policy face amount I want to purchase?
  • Policy length – How many years can my policy last?
  • No Exam – What is the company’s no physical exam underwriting process?

How does ANICO Xpress measure up?

Wait Time

Applicants in overall good health can expect to have an application turnaround time of about 72 hours.

If follow-up questions are needed on your application, the turnaround time will take longer.

Issue Ages

ANICO Xpress issues no physical term life insurance to applicants between the ages of 0 – 65 years old. Think of this age range as standard for most non-med carriers.

Note: If you are older than age 65, consider your options for no physical life insurance for seniors.

Policy Amount

Your policy face amount can range from $50,000 – $250,000

Note: For a policy smaller than $50,000, consider Phoenix Life or Fidelity Life – as their policy face amounts begin at $25,000.

Policy Length

ANICO Xpress offers policies for term lengths of 10, 15, 20, and 30 years – these are standard term lengths. Age limits exist.

No Exam

It’s important to clarify the process a carrier uses to issue no physical life insurance because they can vary.

Xpress applications are simple and straightforward.

Steps in included 

  1. Phone interview including questions about:
    1. Basic information: date of birth, gender, height, weight, etc.
    2. Medical history
    3. Medical history of close, blood-related family members (think: siblings, parents)
    4. Lifestyle
    5. Occupation
    6. Military service
  2. Records review:
    1. Medical Information Bureau (MIB) – database of previous insurance applications
    2. Pharmacy records
    3. Driving record

NOT included 

  • Medical exam
    • Note – sometimes a medical exam will need to be ordered based on your health history (typically if a serious health condition exists)
  • Attending Physicians Statement (APS) – a message from your physician about your health
    • Note – sometimes APS are ordered if the underwriter (that’s who evaluates applications)

ANICO Xpress Plus Overview

ANICO

Wait Time

Xpress Plus application turnaround times are similar to their Xpress product – about 72 hours, as long as you qualify to skip the medical exam.

If you are required to take a medical exam, weeks could be added to the application timeline.

Issue Ages

Xpress Plus issues life insurance to applicants between the age of 0 – 60. The age cutoff of 60 is 5 years younger than their Xpress products.

Policy Amount

Xpress Plus policy face amounts are larger. Polices are available for $250,001 – $1,000,0000.

Note: Age limits exist for the face amount you are able to purchase:

  • Ages 0 – 50: $250,001 – $1,000,000
  • Ages 51 – 60: $250,001 – $500,000

Policy Length

Term policies can be purchased for 10, 15, 20 and 30 years (age limits exist).

No Exam

Xpress Plus is a no physical exam process for those that qualify.

Let’s take a close look at the steps:

  1. Phone interview including questions about:
    1. Basic information: date of birth, gender, height, weight, etc.
    2. Medical history
    3. Medical history of close, blood-related family members (think: siblings, parents)
    4. Lifestyle
    5. Occupation
    6. Military service
  2. Records review:
    1. Medical Information Bureau (MIB) – database of previous insurance applications
    2. Pharmacy records
    3. Driving record
    4. Risk Classifier –  public records collected from multiple sources

Based on steps 1 and 2, there are a few possible outcomes:

  • You are approved for Xpress Plus and will not participate in a medical exam – this is best case scenario OR
  • Your application answers (let’s say, for example, you are a cancer patient or have rheumatoid arthritis) prompt the need for a physical OR
  • You records review (for example – multiple citations driving record) prompt the need for a physical

American National Life Insurance Quotes

American National Life Insurance Quotes: Male 20-29 yrs

 $50,000$50,000$50,000$100,000$100,000$100,000$250,000$250,000$250,000
10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term
20 Year Old$10.63$12.05$14.34$11.32$14.60$18.66$20.52$28.73$38.88
21 Year Old$10.63$12.10$14.34$11.32$14.60$18.66$20.52$28.73$38.88
22 Year Old$10.63$12.14$14.39$11.32$14.60$18.66$20.52$28.73$38.88
23 Year Old$10.63$12.18$14.39$11.32$14.60$18.75$20.52$28.73$39.10
24 Year Old$10.63$12.23$14.43$11.32$14.60$18.75$20.52$28.73$39.10
25 Year Old$10.63$12.27$14.43$11.32$14.60$18.75$20.52$28.73$39.10
26 Year Old$10.76$12.40$14.60$11.32$14.60$19.01$20.52$28.73$39.74
27 Year Old$10.89$12.53$14.82$11.32$14.60$19.27$20.52$28.73$40.39
28 Year Old$10.97$12.66$14.99$11.32$14.69$19.53$20.52$28.94$41.04
29 Year Old$11.10$12.79$15.21$11.32$14.69$19.79$20.52$28.94$41.69
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Female 20-29 yrs

 $50,000$50,000$50,000$100,000$100,000$100,000$250,000$250,000$250,000
10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term
20 Year Old$9.76$11.23$12.31$10.54$12.96$15.47$18.58$24.62$30.89
21 Year Old$9.76$11.28$12.31$10.54$12.96$15.55$18.58$24.62$31.10
22 Year Old$9.76$11.32$12.31$10.54$12.96$15.55$18.58$24.62$31.10
23 Year Old$9.76$11.36$12.36$10.54$12.96$15.64$18.58$24.62$31.32
24 Year Old$9.76$11.40$12.36$10.54$12.96$15.64$18.58$24.62$31.32
25 Year Old$9.76$11.45$12.36$10.54$12.96$15.72$18.58$24.62$31.54
26 Year Old$9.76$11.45$12.61$10.54$12.96$15.98$18.58$24.62$32.18
27 Year Old$9.76$11.45$12.87$10.54$12.96$16.24$18.58$24.62$32.83
28 Year Old$9.76$11.45$13.18$10.54$12.96$16.59$18.58$24.62$33.70
29 Year Old$9.76$11.45$13.44$10.54$12.96$16.85$18.58$24.62$34.34
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Male 30-39 yrs

 $50,000$50,000$50,000$100,000$100,000$100,000$250,000$250,000$250,000
10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term
30 Year Old$11.23$12.92$15.38$11.32$14.69$20.04$20.52$28.94$42.34
31 Year Old$11.45$13.26$15.81$11.40$14.77$20.30$20.74$29.16$42.98
32 Year Old$11.66$13.56$16.24$11.40$14.86$20.56$20.74$29.38$43.63
33 Year Old$11.88$13.91$16.68$11.49$15.03$20.91$20.95$29.81$44.50
34 Year Old$12.10$14.21$17.11$11.49$15.12$21.17$20.95$30.02$45.14
35 Year Old$12.31$14.56$17.54$11.58$15.21$21.43$21.17$30.24$45.79
36 Year Old$12.70$15.03$18.88$12.10$16.07$22.90$22.46$32.40$49.46
37 Year Old$13.09$15.55$20.17$12.61$16.85$24.45$23.76$34.34$53.35
38 Year Old$13.44$16.03$21.51$13.22$17.71$25.92$25.27$36.50$57.02
39 Year Old$13.82$16.55$22.85$13.74$18.49$27.48$26.57$38.45$60.91
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Female 30-39 yrs

 $50,000$50,000$50,000$100,000$100,000$100,000$250,000$250,000$250,000
10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term
30 Year Old$9.76$11.49$13.69$10.54$12.96$17.11$18.58$24.62$34.99
31 Year Old$9.89$11.75$14.17$10.63$13.22$17.28$18.79$25.27$35.42
32 Year Old$10.02$11.97$14.64$10.63$13.56$17.54$18.79$26.14$36.07
33 Year Old$10.11$12.23$15.08$10.71$13.82$17.71$19.01$26.78$36.50
34 Year Old$10.24$12.48$15.55$10.71$14.17$17.97$19.01$27.65$37.15
35 Year Old$10.37$12.74$16.03$10.80$14.43$18.14$19.22$28.30$37.58
36 Year Old$10.67$13.22$16.93$11.23$15.03$19.18$20.30$29.81$40.18
37 Year Old$10.97$13.65$17.84$11.75$15.64$20.22$21.60$31.32$42.77
38 Year Old$11.23$14.13$18.79$12.18$16.16$21.17$22.68$32.62$45.14
39 Year Old$11.53$14.56$19.70$12.70$16.76$22.20$23.98$34.13$47.74
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Male 40-49 yrs

 $50,000$50,000$50,000$100,000$100,000$100,000$250,000$250,000$250,000
10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term
40 Year Old$14.21$17.02$20.61$14.26$19.35$28.94$27.86$40.61$64.58
41 Year Old$14.90$17.97$25.75$15.21$21.00$31.62$30.24$44.71$71.28
42 Year Old$15.60$18.92$27.26$16.16$22.55$34.30$33.62$48.60$77.98
43 Year Old$16.33$19.87$28.81$17.11$24.19$36.98$34.99$52.70$84.67
44 Year Old$17.02$20.82$30.33$18.06$25.75$39.66$37.37$56.59$91.37
45 Year Old$17.71$21.77$31.88$19.01$27.39$42.34$39.74$60.70$98.06
46 Year Old$18.79$23.33$35.73$20.30$29.64$47.26$42.98$66.31$110.38
47 Year Old$19.38$24.88$39.57$21.60$31.88$52.19$46.22$71.93$122.69
48 Year Old$20.91$26.48$43.42$22.90$34.13$57.20$49.26$77.54$135.22
49 Year Old$21.95$28.04$47.26$24.19$36.37$62.12$52.70$83.16$147.53
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Female 40-49 yrs

 $50,000$50,000$50,000$100,000$100,000$100,000$250,000$250,000$250,000
10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term
40 Year Old$11.84$15.03$20.61$13.13$17.37$23.24$25.06$35.64$50.33
41 Year Old$12.61$15.60$21.86$13.82$18.32$24.97$26.78$38.02$54.65
42 Year Old$13.39$16.20$23.31$14.60$19.27$26.70$28.73$40.39$58.97
43 Year Old$14.13$16.76$24.41$15.29$20.30$28.51$30.46$42.98$63.50
44 Year Old$14.90$17.37$25.66$16.07$21.25$30.24$32.40$45.36$67.82
45 Year Old$15.68$17.93$26.91$16.76$22.50$31.97$34.13$47.74$72.14
46 Year Old$16.24$19.09$28.94$17.71$23.76$35.42$36.50$51.62$80.78
47 Year Old$16.80$20.26$31.02$18.66$25.32$38.88$38.88$55.51$89.42
48 Year Old$17.41$21.43$33.05$19.53$26.78$42.34$41.04$59.18$98.06
49 Year Old$17.97$22.59$35.12$20.48$28.34$45.79$43.42$63.07$106.70
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Male 50-59 yrs

 $50,000$50,000$50,000$100,000$100,000$100,000$250,000$250,000$250,000
10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term
50 Year Old$23.03$29.59$51.11$25.49$38.62$67.05$55.94$88.78$159.84
51 Year Old$24.80$32.23NA$27.73$42.34NA$61.56$98.06NA
52 Year Old$26.57$34.82NA$30.07$46.05NA$67.39$107.35NA
53 Year Old$28.30$37.45NA$32.31$49.85NA$73.01$116.86NA
54 Year Old$30.07$40.05NA$34.65$53.57NA$78.84$126.14NA
55 Year Old$31.84$42.68NA$36.89$57.28NA$84.46$135.43NA
56 Year Old$34.91$48.38NA$40.44$64.89NA$93.31$154.44NA
57 Year Old$37.97$54.09NA$43.98$72.49NA$102.17$173.45NA
58 Year Old$41.04$59.79NA$47.61$80.18NA$111.24$192.67NA
59 Year Old$44.11$65.49NA$51.15$87.78NA$120.10$211.68NA
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Female 50-59 yrs

 $50,000$50,000$50,000$100,000$100,000$100,000$250,000$250,000$250,000
10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term10 Year Term20 Year Term30 Year Term
50 Year Old$18.53$23.76$37.15$21.43$29.89$49.25$45.79$66.96$115.34
51 Year Old$19.61$25.40NA$22.64$32.23NA$48.82$72.79NA
52 Year Old$20.69$27.04NA$23.93$34.65NA$52.06$78.84NA
53 Year Old$21.82$28.73NA$25.14$36.98NA$55.08$84.67NA
54 Year Old$22.90$30.37NA$26.44$39.40NA$58.32$90.72NA
55 Year Old$23.98$32.01NA$27.65$41.73NA$61.34$96.55NA
56 Year Old$25.32$35.64NA$29.72$46.66NA$66.53$108.86NA
57 Year Old$26.65$39.23NA$31.80$51.67NA$71.71$121.39NA
58 Year Old$28.04$42.85NA$33.78$55.69NA$76.78$133.70NA
59 Year Old$29.38$46.44NA$35.86$61.60NA$81.86$146.23NA
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Male 60-65 yrs

 $50,000$50,000$100,000$100,000$250,000$250,000
10 Year Term20 Year Term10 Year Term20 Year Term10 Year Term20 Year Term
60 Year Old$47.17$71.19$54.69$95.39$128.95$230.69
61 Year Old$52.27NA$61.34NA$145.58NA
62 Year Old$57.37NA$68.00NA$162.22NA
63 Year Old$62.51NA$74.65NA$178.65NA
64 Year Old$67.61NA$81.30NA$195.48NA
65 Year Old$72.71NA$87.96NA$212.11NA
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

American National Life Insurance Quotes: Female 60-65 yrs

 $50,000$50,000$100,000$100,000$250,000$250,000
10 Year Term20 Year Term10 Year Term20 Year Term10 Year Term20 Year Term
60 Year Old$30.72$50.07$37.93$66.53$87.05$158.54
61 Year Old$32.96NA$41.90NA$96.98NA
62 Year Old$35.21NA$45.79NA$106.70NA
63 Year Old$37.41NA$49.77NA$116.64NA
64 Year Old$39.66NA$53.65NA$126.36NA
65 Year Old$41.90NA$57.63NA$136.30NA
No medical exam life insurance quotes. Quotes are samples only. Subject to change.

Note: Carriers that offer 20 year no exam term life insurance after age 60 include:

Bottom Line

All of American Nationals products have level premium payments so rates will never go up during the term of your policy. They have the ability to customize covered with living benefits riders that pay out during the policy term. You can also convert to a permanent policy with no evidence of insurability during your policies term.

Also, consider Riders: Each policy has a terminal illness Rider so that if you become terminally ill with less than a year to live, you can access 50% of your death benefit to use for anything you want.

Remember that life insurance companies look at your situation differently so American National won’t always be the best option but many times it is.

At Nophysicaltermlife.com we help a lot of people get the best rates on their life insurance and consider ourselves the best in the nation when it comes to life insurance that doesn’t require a physical. We use American National Insurance Company for many of our clients.

American National is very easy to work with and their technology is some of the best in the nation. We’re able to contact underwriters directly over here at No Physical Term Life, which is a huge benefit for you because we can get clarity on every case and the potential outcome before a decision is made.

More than anything else the reason we offer American National Life Insurance it’s because of their no medical exam process, stellar reputation and ease to do business with. If they’re competitive for your situation what absolutely recommend them.

How To Apply

There are two steps you need to take in order to find the best no physical life insurance policy to fit your needs.

  1. Partner Up – This is most important. You need an expert independent agent to collaborate with. An independent agent is not held captive to a particular life insurance company. That way, your best interest is at heart and you will have access to all the top non-med life insurance carriers.
  2. Prepare – Be ready to communicate effectively during the application process. This means writing down information about your medical history, medications, and lifestyle so that your answers are readily available.

 

About No Physical Term Life
About No Physical Term Life

We’re an independent life insurance agency that specializes in no exam life insurance. We’re licensed in all 50 states and can help you directly over the phone or even by email if you’d like (just fill out a quote form and you’ll get an email from us).

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