Estate planning at American National
How to protect 15 American National accounts — manage beneficiaries by phone, fund a trust by mail, and file death claims
Annuity Bill Pay & Policy Service
Phone1-800-252-9546
Fax1-409-766-2022
Mailing Address
American National Insurance Company, One Moody Plaza, Galveston, TX 77550
Life Insurance Bill Pay & Policy Service (Legacy)
Variable Contracts
Health Bill Pay & Policy Service (Legacy)
Disability Bill Pay & Policy Service (Legacy)
Pension Risk Transfer
Investor Relations
ANICO of New York
WebsiteLearn more→
Annuity Bill Pay & Policy Service
Phone1-800-252-9546
Fax1-409-766-2022
Mailing Address
American National Insurance Company, One Moody Plaza, Galveston, TX 77550
Life Insurance Bill Pay & Policy Service (Legacy)
Variable Contracts
Health Bill Pay & Policy Service (Legacy)
Disability Bill Pay & Policy Service (Legacy)
Pension Risk Transfer
Investor Relations
ANICO of New York
WebsiteLearn more→
Life & Annuity Claims Department
Phone1-800-615-7372
Fax1-281-538-6757
Mailing Address
American National Insurance Company, P.O. Box 10466, Springfield, MO 65808-0466
Annuity Claims (same line)
Health Claims
Disability Claims
Specialty Products Claims
P&C Claims (Farm Family, 24/7)
Fraud Reporting Email
WebsiteNotify online→
Verified May 2026
American National offers 15 insurance products that play a central role in estate planning. Because policy proceeds pass directly to named beneficiaries—bypassing probate entirely—keeping designations current is one of the highest-impact steps policyholders can take.
Beneficiary designations at American National can be managed by mail and by phone, typically taking 15-30 minutes to complete; 2-4 weeks for processing. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
There are two sides to estate planning at American National: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries by phone, fund a trust by mail, and review 15 account types at American National.
View details →When someone dies
Death claim process
6-step process, 6 required documents, and contact information for survivors.
View details →Frequently asked questions
American National Group Inc. is an indirect, wholly-owned subsidiary of Brookfield Wealth Solutions Ltd. (formerly Brookfield Reinsurance Ltd., renamed September 2024) following a merger completed May 2024. The group operates through several subsidiaries: American National Insurance Company (ANICO) for annuities and (legacy) life insurance in all states except New York; American National Life Insurance Company of New York (ANICONY) for products sold in New York; American National Life Insurance Company of Texas (ANTEX); Garden State Life Insurance Company (GSL); and Standard Life and Accident Insurance Company for legacy health and disability products. Property and casualty business now operates under the Farm Family brand at FarmFamily.com.
The Palladium Multi-Year Guarantee Annuity (MYGA) requires a minimum single premium of $5,000. Deposits of $100,000 or more receive additional interest credited to the annuity value for the duration of the selected guarantee period. The Palladium MYGA is a single premium product, meaning no additional contributions are allowed after the initial purchase. It is available for purchase online at annuities.americannational.com or through a local agent.
Yes. Non-qualified annuities from American National can be owned by a trust. Use the Change of Policy Ownership Form (available at americannational.com/home/find-a-form) to transfer ownership to the trust. You will need to provide the full legal trust name, date established, trust EIN, and trustee identification along with a Certificate of Trust or trust documentation. Be aware that transferring annuity ownership to a trust may result in a taxable event. Qualified annuities (those held in IRAs or employer plans) cannot be owned by a trust but can name a trust as beneficiary.
Both are single premium fixed indexed annuities launched in 2025 featuring a Best Entry Window that sets all selected index starting values at their lowest point in the initial 90-day period. Both offer conservative, moderate, and aggressive portfolio allocation options plus a custom allocation option with the same index choices. The Smart Start Accumulator Plus adds premium enhancement options that provide an immediate boost to the annuity value, which the standard Smart Start Accumulator does not include.
American National's property and casualty insurance products, including Farm & Ranch and Business insurance, have moved to the Farm Family brand. Information and services for these products are now available at FarmFamily.com. Farm Family Casualty Insurance Company merged into its affiliate Argonaut Insurance Company on October 1, 2025. Life insurance, annuities, health insurance, and pension risk transfer products remain under the American National brand at americannational.com.
Sources
Data sourced from American National primary sources (19 pages reviewed). How we research.
Annuity Bill Pay & Policy Service
Phone1-800-252-9546
Fax1-409-766-2022
Mailing Address
American National Insurance Company, One Moody Plaza, Galveston, TX 77550
Life Insurance Bill Pay & Policy Service (Legacy)
Variable Contracts
Health Bill Pay & Policy Service (Legacy)
Disability Bill Pay & Policy Service (Legacy)
Pension Risk Transfer
Investor Relations
ANICO of New York
WebsiteLearn more→
Annuity Bill Pay & Policy Service
Phone1-800-252-9546
Fax1-409-766-2022
Mailing Address
American National Insurance Company, One Moody Plaza, Galveston, TX 77550
Life Insurance Bill Pay & Policy Service (Legacy)
Variable Contracts
Health Bill Pay & Policy Service (Legacy)
Disability Bill Pay & Policy Service (Legacy)
Pension Risk Transfer
Investor Relations
ANICO of New York
WebsiteLearn more→
Life & Annuity Claims Department
Phone1-800-615-7372
Fax1-281-538-6757
Mailing Address
American National Insurance Company, P.O. Box 10466, Springfield, MO 65808-0466
Annuity Claims (same line)
Health Claims
Disability Claims
Specialty Products Claims
P&C Claims (Farm Family, 24/7)
Fraud Reporting Email
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your American National accounts and other assets with trusts, beneficiary designations, and estate planning documents.
