American National
One of the oldest carriers on the platform - a multiline insurer founded in 1905 and now a core U.S. retirement arm of Brookfield Wealth Solutions - carrying an A (Excellent) rating from AM Best across a deep shelf of fixed indexed and multi-year guaranteed annuities.
Financial strength
A
AM Best
A
S&P Global
A
Fitch
AM Best A rated
American National carries an A (Excellent) Financial Strength Rating from AM Best, reinforced by A from S&P and A from Fitch on the operating company.
Founded 1905
Founded in 1905 and headquartered in Galveston, Texas - more than 120 years of continuous operation.
Brookfield-backed
Acquired by Brookfield Wealth Solutions in 2022; part of a global insurance platform with $135B+ in insurance assets.
$40B+ in assets
American National and its New York affiliate held $40+ billion in combined assets and $2+ billion in capital and surplus as of year-end 2025.
Deep annuity shelf
A leading participant in U.S. fixed and fixed indexed annuities, with a broad live lineup of FIA and MYGA products on ARHQ.
Run live numbers on American National products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Income FIAs
Selected product: Strategy Indexed Plus 7 - Lifetime Income Rider (Fixed + Index Credit)
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products and income options
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Explore American National products
American National’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
ASIA Plus
American National's New York-only fixed indexed annuity — a ten-year accumulation contract from an A-rated carrier built around plain S&P 500 cap exposure and a one-year declared-rate fixed account, with no income rider and no Protected Income Value mechanism attached.
S&P 500 annual cap
7%
Rate Certainty Annuity
A choose-your-term (5-, 7-, 10-, or 20-year) fixed indexed annuity from an A-rated carrier, built entirely on performance-trigger crediting against the carrier's proprietary S&P 500 Dynamic Intraday TCA Index, with a fixed-account bucket and no lifetime-income rider in the design.
S&P 500 Dynamic Intraday TCA Index (USD) ER performance trigger
9.9%
Smart Start Accumulator
A 10-year fixed indexed annuity from an A-rated carrier built purely for accumulation — no premium bonus, no income rider, no strategy-level fees — anchored by a full-participation S&P 500 annual point-to-point cap alongside a fixed-rate bucket and four participation-rate strategies on proprietary indexes.
S&P 500 annual cap
10.75%
Smart Start Accumulator Plus
The bonus variant of American National's Smart Start Accumulator — an A-rated, 10-year accumulation FIA that pays an up-front premium bonus vesting linearly over the surrender period, with an S&P 500 annual point-to-point cap option plus participation-rate strategies on proprietary volatility-controlled indexes.
S&P 500 annual cap
6.5%
Smart Start Accumulator Plus with Fee
A ten-year-surrender fixed indexed annuity from an A-rated carrier in the fee-bearing branch of the Smart Start family — an up-front premium bonus is funded by an optional High Premium Enhancement rider that charges an annual fee on the account value, alongside one S&P 500 annual cap strategy and four participation-rate strategies on proprietary indexes.
S&P 500 annual cap
5%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-13. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
Start with the job for the money, then open the live American National product page that matches that goal.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
3.5%
10-yr illustration
Income-base roll-up
4.2%
compound, up to 10 yrs
Annual fee
0.8%
benefit charge
Premium
$100,000
Income base · yr 10
$150,896
Annual lifetime income
$5,281
Simplified illustration using this income option’s current compound income-base roll-up over 10 years, then its 3.5% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What American National is
American National Insurance Company (ANICO), founded in 1905 and headquartered in Galveston, Texas, is a long-established multiline insurer offering life insurance, annuities, property-casualty, and pension-risk-transfer solutions. New York business is written through American National Life Insurance Company of New York.
Checked 2026-06-30 · ARHQ carrier coverage
Since 2022 American National has been part of Brookfield Wealth Solutions, gaining the investment capabilities and capital base of a large global platform while continuing to operate under the American National brand.
Checked 2026-06-30 · ARHQ carrier coverage
On ARHQ, American National product cards are intentionally live-data driven: the profile supplies story and context, while product availability, rates, caps, participation rates, and guaranteed terms come from CANNEX-backed feeds at render.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Founded
1905
Founded in Galveston, Texas; 120+ years of operation.
Founded 1905 · ARHQ carrier coverage
Combined assets
$40B+
American National plus its NY affiliate, as of Dec 31, 2025.
As of Dec 31, 2025 · ARHQ carrier coverage
Owner
Brookfield
Owned by Brookfield Wealth Solutions since 2022.
Acquired 2022 · ARHQ carrier coverage
AM Best
A (Excellent)
A Financial Strength Rating from AM Best; A from S&P and Fitch on the operating company.
Checked 2026-06-30 · ARHQ carrier coverage
History highlights
American National was founded in 1905 in Galveston, Texas, and grew into a diversified multiline insurer over the following century.
Founded 1905 · ARHQ carrier coverage
In 2022 American National was acquired by Brookfield Wealth Solutions, becoming a core part of its U.S. retirement and insurance platform.
Acquired 2022 · ARHQ carrier coverage
The company has expanded beyond retail annuities into pension risk transfer (roughly $4.3 billion in cumulative premiums and about 79,000 participants) and funding-agreement-backed note programs.
Checked 2026-06-30 · ARHQ carrier coverage
A Brookfield Wealth Solutions company
American National Insurance Company is held through American National Group Inc. and is owned by Brookfield Wealth Solutions, which acquired the company in 2022.
Acquired 2022 · ARHQ carrier coverage
Brookfield later combined American Equity Investment Life into the same platform, building one of the larger U.S. annuity and retirement groups; American National Group reports $120B+ in insurance assets following that combination.
Checked 2026-06-30 · ARHQ carrier coverage
American National's annuity guarantees are backed by its issuing insurers - American National Insurance Company, and American National Life Insurance Company of New York for New York contracts.
Checked 2026-06-30 · ARHQ carrier coverage
Financial strength
AM Best
CurrentA
Excellent financial-strength rating from AM Best on American National Insurance Company.
Checked 2026-06-30
S&P Global
A
Strong financial-strength rating; affirmed Sep 2025 (operating company).
Checked 2026-06-30
Fitch
A
Strong insurer financial-strength rating; updated Dec 2025 (operating company).
Checked 2026-06-30
What makes American National different
A 120-year operating history
Founded in 1905, American National is one of the longest-operating carriers on the platform - a diversified multiline insurer with a deep track record across life, annuities, and property-casualty.
Checked 2026-06-30 · ARHQ carrier coverage
Brookfield capital and scale
As a core U.S. retirement arm of Brookfield Wealth Solutions, American National draws on Brookfield's investment capabilities and a global platform with $135B+ in insurance assets.
Checked 2026-06-30 · ARHQ carrier coverage
A leading fixed-annuity writer
S&P identifies American National as a leading participant in U.S. fixed and fixed indexed annuity markets, reflected in one of the deeper FIA and MYGA shelves on ARHQ.
Checked 2026-06-30 · ARHQ carrier coverage
Breadth from accumulation to institutional
Beyond retail annuities, American National runs pension risk transfer (~$4.3B premiums, ~79,000 participants), funding-agreement-backed notes, and structured settlements - signs of a broad, institutional balance sheet behind the retail guarantees.
Checked 2026-06-30 · ARHQ carrier coverage
About American National
American National Insurance Company, founded in 1905 and headquartered in Galveston, Texas, is a long-established multiline insurer offering life, annuities, and property-casualty coverage. Since 2022 it has been owned by Brookfield Wealth Solutions and operates as a core part of its U.S. retirement platform.
Checked 2026-06-30 · ARHQ carrier coverage
The company carries an A (Excellent) rating from AM Best, with A ratings from S&P and Fitch on the operating company, and brings one of the deeper fixed indexed and multi-year guaranteed annuity shelves on ARHQ - the Strategy Indexed Plus and Smart Start Accumulator FIAs alongside the Palladium and WealthQuest Citadel MYGA lines.
Checked 2026-06-30 · ARHQ carrier coverage
On ARHQ, American National product pages stay product-specific: the carrier hub frames the lineup and routes each live product to its own page for current rates, caps, participation rates, riders, state availability, and disclosures.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
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Compare American National's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- American National corporate site — 2026-06-30
- ARHQ carrier coverage - ANICO overview, founded 1905, Brookfield Wealth Solutions ownership (2022), scale ($40B+ combined assets Dec 31 2025), ratings (A AM Best / A S&P / A Fitch) — Checked 2026-06-30
- Live product catalog (Strategy Indexed Plus, Smart Start Accumulator, ASIA Plus, Rate Certainty FIAs; Palladium and WealthQuest Citadel MYGAs), rates, riders: CANNEX via AdvisorWorld public API — At render