American National Insurance phone numbers depend on which product line you need. For auto and home claims (24/7), call 1-800-333-2860. For life insurance customer service, call 1-800-899-6806. For property and casualty policy service, call 1-800-899-6519. For general inquiries or to find an agent, call 1-800-899-6520. American National is headquartered at One Moody Plaza, Galveston, Texas, holds an AM Best rating of A (Excellent), and has been owned by Brookfield Reinsurance since 2022. The company has discontinued new life insurance (2025) and is exiting the homeowners market, but continues to service existing customers and to write auto, agribusiness, and annuities.

American National Insurance phone numbers at a glance

What you’re calling about	Phone number
Auto & home claims (24-hour hotline)	1-800-333-2860
Property & casualty (auto/home) policy service	1-800-899-6519
Life insurance customer service	1-800-899-6806
Life insurance claims	1-800-615-7372
Health insurance customer service (legacy customers)	1-800-899-6503
Health & disability claims (legacy customers)	1-800-899-6520
General customer service / find an agent	1-800-899-6520
District office (when no agent is listed)	1-800-859-6224
Corporate headquarters	One Moody Plaza, Galveston, TX 77550

These numbers are taken directly from American National’s official contact page. Numbers can change. Confirm the number on the back of your policy card or on americannational.com before calling about anything sensitive.

What is the 800 number for American National Insurance?

There isn’t one single “American National 800 number” — the company runs separate toll-free lines for each product line, which is why you’ll see different numbers depending on the source.

The two most-asked-for numbers are:

• 1-800-333-2860 — the 24-hour claims hotline for auto and home policyholders. American National’s own catastrophe-response communications direct policyholders to this number to report damage, which makes it the de facto “main number” for anyone with a P&C policy.
• 1-800-899-6520 — the general customer service line, used for “find an agent” enquiries and also handles legacy health and disability claims.

If you don’t know which line to call, use 1-800-899-6520 and ask to be directed.

American National Insurance customer service phone numbers by product line

The right number depends on the kind of policy you hold. Here’s how the lines actually split.

Auto and home (property & casualty)

For an auto or home policy, you’ll typically use one of two numbers:

• Claims (24/7): 1-800-333-2860. Use this immediately after an accident, storm damage, fire, theft, or any other covered loss. The line is open around the clock.
• Policy service: 1-800-899-6519. Use this for billing questions, ID card requests, address changes, payment problems, or general questions about your auto or home policy.

If you’re a P&C customer, save 800-333-2860 in your phone now — at the moment you need it (after a car accident or with a tree on the roof) is the worst time to be hunting for it.

Life insurance

Life insurance has its own dedicated lines:

• Customer service: 1-800-899-6806. For premium payments, beneficiary changes, policy questions, or general help on an existing life policy.
• Claims (death claim filing): 1-800-615-7372. For beneficiaries reporting a death and starting a life insurance claim. Have the policy number, the insured’s name, the date of death, and your contact information ready.

Important: American National no longer writes new life insurance policies (see below), but it continues to fully service existing life policies through these lines.

Health and disability (legacy customers only)

American National no longer offers health insurance to new customers, but it still services its existing book of business:

• Health customer service: 1-800-899-6503.
• Health and disability claims: 1-800-899-6520.

If you have an active American National health policy from before, these lines remain operational.

General help and finding a local agent

If you’re not sure which line you need, want to find a local independent agent, or have a general question, call 1-800-899-6520. This is also the number used when an online tool can’t match an agent to your policy.

Customer service hours

American National’s main customer service lines operate Monday through Friday, 7:00 a.m. to 6:00 p.m. Central Standard Time.

The single exception is claims, which operate 24 hours a day, 7 days a week on the 800-333-2860 line. This matters because claims are the one situation where you genuinely cannot wait — and American National has structured the hotline accordingly.

You should expect a hold time during peak hours (mid-morning Tuesday is typically the busiest). If your question isn’t urgent, calling early Friday or late afternoon is usually quicker.

Is American National Insurance a legitimate company? Is it financially stable?

Yes on both counts — but the company has changed in important ways since 2022, and an honest answer pulls those threads apart.

Legitimacy and history. American National Insurance Company was founded in Galveston, Texas in 1905, making it a 120-year-old insurer with one of the longer operating histories in the US market. It is a regulated, licensed insurer operating across all 50 states through its group of companies. It is not a scam, not a shell, and not a new market entrant.

Financial strength. American National holds an AM Best Financial Strength Rating of A (Excellent), which sits in the upper tier of AM Best’s scale and indicates a strong ability to pay claims. AM Best placed the rating “under review with developing implications” in 2024 — but it’s worth being clear about what that means: “under review” is the standard procedural step AM Best takes when a major corporate event happens (in this case, American National’s acquisition of American Equity Life under Brookfield ownership). It is not a downgrade, and the underlying A (Excellent) rating remains in place.

Ownership. Since 2022, American National Group has been owned by Brookfield Reinsurance (part of Brookfield Asset Management), which acquired the company for approximately $5.1 billion. The deal took American National private and made it part of a much larger global asset-management group. For policyholders, the most visible effects of new ownership have been the product-line changes covered below.

So if your concern is “is American National going to be able to pay my claim?”, the financial answer is yes — the AM Best A rating is the standard answer to that question, and it remains intact. The more nuanced answers concern what American National still sells and whether your line of business is being wound down — which is what the next section addresses.

Did American National get bought out? What happened?

Yes. American National Group was acquired by Brookfield Reinsurance for approximately $5.1 billion in 2022, taking the company private. Brookfield is one of the world’s largest alternative-asset managers, and American National now operates as a Brookfield subsidiary.

Since the acquisition, three big changes have shaped what American National actually offers in 2026:

1. New life insurance was discontinued (May 2025). American National stopped writing new life insurance policies. Existing life policies remain in force and continue to be serviced — premium collection, beneficiary changes, claims payment all continue through the existing customer service lines.

2. New health insurance was discontinued earlier. Health insurance was wound down ahead of the life decision. As with life, existing health policyholders are still serviced through legacy customer service lines.

3. Homeowners insurance is being exited (see next section). This is the most consequential change for ordinary consumers, and it deserves its own treatment.

What hasn’t changed: American National continues to write auto insurance, agribusiness, and annuities, and remains under the same Texas-headquartered corporate identity. Existing customers across all product lines continue to be served by the same customer service infrastructure.

Is American National dropping homeowners insurance?

Yes — American National is exiting the homeowners insurance market in all states. This is significant, current information that anyone shopping for or holding an American National homeowners policy should know.

The exit happened in stages. In early 2024, American National announced it would stop writing homeowners insurance in nine states: California, Louisiana, Arkansas, Colorado, Minnesota, Oklahoma, South Carolina, South Dakota, and Washington. Non-renewal notices to affected policyholders began going out as early as that summer. American National subsequently announced it would exit the homeowners line in all remaining states, with the wind-down running through 2024 and beyond.

A company spokesperson cited “significant and persistent profitability issues in the homeowners insurance market”, pointing to severe weather frequency, higher claims costs, inflation, and reinsurance pressure. American National was not alone — over the same period, State Farm, Allstate, Farmers, and several smaller insurers also restricted or paused new homeowners business in high-loss states.

What this means for you:

• If you’re shopping for new homeowners insurance, American National is no longer a viable option in any state.
• If you currently hold an American National homeowners policy, expect a non-renewal notice when your policy term ends, and start shopping for a replacement insurer well in advance.
• Auto policies are not affected by the homeowners exit — American National continues to write auto insurance.

If you’re a Californian or in another wildfire- or storm-exposed state, you’re likely already familiar with the wider insurance-market contraction; American National’s withdrawal is part of that pattern.

What happens to your policy if an insurance company closes?

This is a fair question and the honest answer is reassuring, but with important nuance.

American National is not closing — it has simply discontinued some product lines. Existing policies remain fully in force and serviced. The customer service phone numbers in this article all continue to work.

But the underlying question — what happens generally if an insurance company fails? — has a clear answer in the US system:

State insurance guaranty associations exist in every state precisely for this scenario. If a licensed insurance company becomes insolvent, the state guaranty association steps in to pay claims and continue policy benefits up to statutory limits. For life insurance, typical guaranty-association limits are around $300,000 in death benefits and $100,000 in cash value, though limits vary by state. For property and casualty policies, claim limits are typically $300,000 or higher, again varying by state.

So for a current American National policyholder, the practical position is straightforward: your policy is supported by the company’s A (Excellent) rating today, and in the extremely unlikely event of insolvency, by your state guaranty association. There is no scenario in which a paying policyholder is simply “left with nothing” because their insurer ran into trouble.

This is also why the AM Best rating matters. A higher-rated insurer is far less likely to ever need guaranty-association support — and American National’s A rating puts it in the comfortable zone on that measure.

What about the “7-year rule” for life insurance?

This question appears in searches around American National, but it’s a common point of confusion: there is no single “7-year rule” that universally applies to life insurance. The phrase usually refers to one of three different things:

• Contestability period (usually 2 years, not 7): Insurers can investigate and potentially deny claims for misrepresentation on the application during the first 2 years of a policy. After that, the policy is generally incontestable.
• Estate planning and the 3-year rule for ownership transfers: Under federal estate-tax rules, certain life insurance ownership transfers made within 3 years of death can be pulled back into the estate.
• Term-conversion windows: Some term life policies allow conversion to permanent coverage within a defined window — often the first 5–10 years, not specifically 7.

None of these is a “7-year rule” in any official sense. If you’ve been told a 7-year rule applies to your American National life policy specifically, ask the insurer (1-800-899-6806) what they actually mean — it’s most likely a reference to a conversion window or a tax timing rule in your policy’s documents.

How to reach American National by other channels

The phone is the fastest route for most issues, but a few alternatives are worth knowing.

Online account (Client Portal). Sign in at americannational.com to view documents, pay bills, request ID cards, and track claims. For most routine tasks — paying a premium, getting a new ID card, checking a claim — the online portal is faster than a phone call.

AN Mobile app. American National’s mobile app lets you do most of the same tasks from your phone, including filing a claim and uploading photos directly. Available on iOS and Android.

Email. General customer service email is CustomerServiceCenter@AmericanNational.com (life) or ServiceCenter@AmericanNational.com (property & casualty). For health, Health.CustomerService@AmericanNational.com. Email is fine for non-urgent questions; expect a response in 1–2 business days. Don’t use email for an active claim where you need a fast answer.

Mail. Corporate headquarters: American National Insurance Company, One Moody Plaza, Galveston, TX 77550. For claims correspondence and specific functions, American National uses dedicated P.O. boxes in Springfield, MO — the address on your policy documents is the right one to use.

Your local independent agent. Because American National sells through independent agents (especially for P&C), your assigned agent’s direct number is often the fastest route for policy questions specific to your situation. Their contact info is in your policy documents and on your dashboard inside the Client Portal.

A few honest cautions when calling

A handful of practical points that will save you time and frustration.

Have your policy number ready. Every customer service line will ask for it first. It’s on your insurance card, your declarations page, and inside your online account.

Call the right line the first time. Most caller frustration comes from being transferred. Look at the table above and match your reason for calling to the right line before dialling.

For a death claim, call the life claims line directly: 1-800-615-7372. Don’t call the general customer service number — the claims team is the only one who can actually open a claim, and going direct saves a transfer at a difficult moment.

For a P&C claim, the 1-800-333-2860 hotline is 24/7 — use it immediately. Speed matters with P&C claims (your insurer has to be notified promptly under most policies), and the hotline is staffed for exactly this reason.

Beware of any number not listed in this article or on the company’s own contact page. A few non-American-National numbers turn up alongside “American National” in search results — including numbers that belong to other companies entirely. If a number isn’t on americannational.com/home/contact-us, verify it before you dial.

Conclusion

For most American National Insurance customers, the only two numbers you really need to remember are 1-800-333-2860 for auto/home claims (24/7) and 1-800-899-6806 for life insurance customer service. Everything else is either a specialised line or a sub-set of those.

Save the relevant number for your product line in your phone now. The minute after a car accident or the moment a family member passes away is not when you want to be searching online for a number you should have had at hand. American National continues to service its existing customers across auto, home, life, and legacy health policies, even as it has stopped writing new life insurance (2025) and is exiting the homeowners market since the 2022 Brookfield acquisition.

If a number on this page ever appears not to work, the single source of truth is americannational.com/home/contact-us — that’s where these numbers were verified and where any future changes will appear first.

FAQs

What is the American National Insurance phone number?

The most useful number depends on your product. For 24-hour auto and home claims, call 1-800-333-2860. For life insurance customer service, call 1-800-899-6806. For general questions or to find an agent, call 1-800-899-6520.

What is the 800 number for American National Insurance?

The two most-asked-for 800 numbers are 1-800-333-2860 (24/7 P&C claims) and 1-800-899-6520 (general customer service and finding an agent). For life-policy customer service, use 1-800-899-6806.

What is the American National claims phone number?

For auto and home claims, call the 24-hour hotline at 1-800-333-2860. For life insurance death claims, call 1-800-615-7372. For legacy health and disability claims, call 1-800-899-6520.

Is American National Insurance customer service open 24/7?

The claims hotline at 1-800-333-2860 is open 24 hours a day, 7 days a week. General customer service lines run Monday through Friday, 7:00 a.m. to 6:00 p.m. Central Time.

What is the American National life insurance phone number?

For life insurance customer service, call 1-800-899-6806. For death claims, call 1-800-615-7372.

What is the American National auto insurance phone number?

For auto claims (24/7), call 1-800-333-2860. For auto policy service, call 1-800-899-6519.

What is the American National home insurance phone number?

For existing home insurance policyholders, claims are handled at the 24-hour hotline 1-800-333-2860, and policy service at 1-800-899-6519. Important context: American National is exiting the homeowners market in all states, so existing customers should expect non-renewal at policy end and may want to start shopping for a replacement insurer.

What is the American National annuity phone number?

For annuity questions, call American National’s life and annuity customer service line at 1-800-899-6806, which handles annuity policy service in addition to life. Confirm with the contact information on your annuity contract.

What is the American National Insurance number in Texas?

American National is headquartered in Galveston, Texas, at One Moody Plaza. The customer service phone numbers are the same nationally — there isn’t a separate Texas number. Use 1-800-899-6520 for general help.

What is the American National Insurance number in California?

The phone numbers are the same nationally — there is no separate California line. For claims, use 1-800-333-2860; for general help, use 1-800-899-6520. Note American National operates across most states; for state-specific information, your local agent is often the fastest contact.

What is the American National Insurance number in Springfield, MO?

American National’s property and casualty division is based in Springfield, MO. The 24/7 P&C claims hotline is 1-800-333-2860, and the P&C policy service line is 1-800-899-6519. Claims correspondence often uses P.O. boxes in Springfield, MO.

What happened to American National Insurance Company?

American National Group was acquired by Brookfield Reinsurance in 2022 for approximately $5.1 billion. Since then it has discontinued new life insurance (2025) and is exiting the homeowners market in all states. The company continues to service existing policies and to write auto, agribusiness, and annuity business. It is still rated A (Excellent) by AM Best.

Is American National Insurance still in business?

Yes. American National continues to operate as a subsidiary of Brookfield Reinsurance, services all existing policies, and continues to write auto, agribusiness, and annuity business through independent agents. New life insurance (2025) and health insurance policies have been discontinued, and homeowners insurance is being exited in all states. AM Best continues to rate the company A (Excellent).

Where is American National Insurance headquartered?

American National Insurance Company is headquartered at One Moody Plaza, Galveston, Texas 77550. The company was founded in Galveston in 1905. The property and casualty division is based in Springfield, Missouri.

What is the American National Insurance customer service email?

For life insurance: CustomerServiceCenter@AmericanNational.com. For property and casualty: ServiceCenter@AmericanNational.com. For legacy health: Health.CustomerService@AmericanNational.com.

How do I file a claim with American National Insurance?

Three ways: call the 24-hour P&C claims hotline at 1-800-333-2860, file online through your Client Portal at americannational.com, or use the AN Mobile app. For life insurance death claims, call 1-800-615-7372 directly.

Does American National Insurance have a mobile app?

Yes. The AN Mobile app is available free on iOS (App Store) and Android (Google Play). You’ll need to register an account to use it. It supports premium payment, ID card access, and claim filing.

Can I find an American National agent near me?

Yes. Use the agent locator at americannational.com (under “Find an Agent”), or call 1-800-899-6520 and ask to be referred to a local agent. American National’s property and casualty business is sold primarily through independent agents.

What is the address for American National Insurance?

The corporate headquarters address is American National Insurance Company, One Moody Plaza, Galveston, TX 77550. Claims correspondence often goes to dedicated P.O. boxes in Springfield, MO — use the address on your policy documents for the right destination.

Is American National Insurance a legitimate company?

Yes. American National Insurance Company was founded in 1905, is headquartered in Galveston, Texas, and is licensed across all 50 states. It is owned by Brookfield Reinsurance and holds an AM Best Financial Strength Rating of A (Excellent). It is a long-established, regulated insurer.

Is American National Insurance financially stable?

Yes. American National holds AM Best’s A (Excellent) Financial Strength Rating, which sits in the upper tier and indicates a strong ability to pay claims. AM Best placed the rating “under review with developing implications” in 2024 following a corporate event — this is procedural and not a downgrade. The underlying A rating remains in place.

What is the AM Best rating of American National Insurance?

American National Insurance Company is rated A (Excellent) by AM Best for financial strength, with a Long-Term Issuer Credit Rating of “a+” (Excellent). The rating has been under review since 2024 in connection with corporate transactions, but has not been downgraded.

What kind of insurance company is American National?

American National is a multi-line insurer founded in 1905. In 2026 it actively writes auto insurance, agribusiness, and annuities. It is no longer writing new life insurance (discontinued 2025), new health insurance, or homeowners insurance (being exited in all states). Existing policies across all lines continue to be serviced.

Did American National get bought out?

Yes. Brookfield Reinsurance acquired American National Group for approximately $5.1 billion in 2022, taking the previously publicly traded company private. American National now operates as a Brookfield subsidiary.

Is American National dropping homeowners insurance?

Yes. American National announced in early 2024 that it was exiting homeowners insurance in nine states (California, Louisiana, Arkansas, Colorado, Minnesota, Oklahoma, South Carolina, South Dakota, Washington), and subsequently announced exit from all remaining states. Existing policyholders should expect non-renewal at policy end.

What happens to a life insurance policy if the company closes?

If a licensed US insurer becomes insolvent, the state insurance guaranty association steps in to pay claims up to statutory limits — commonly around $300,000 in death benefits and $100,000 in cash value for life insurance, varying by state. American National is not closing; it is currently rated A (Excellent) by AM Best and continues to service all existing policies.

Is American National Insurance going out of business?

No. American National continues to operate, holds an A (Excellent) AM Best rating, and remains active in auto, agribusiness, and annuities. The discontinuation of new life, health, and homeowners business is a strategic narrowing of product lines under Brookfield ownership, not a business closure. Existing customers remain fully serviced.

Sources

• AM Best — “AM Best Places Credit Ratings of American National Insurance Company and Its Affiliates Under Review With Developing Implications” (A rating, under review status, 2024 corporate context): https://news.ambest.com
• Insurance Journal — “American National Exits Homeowners in Nine States, Including Louisiana, California” (initial nine-state exit, profitability rationale): https://www.insurancejournal.com/news/national/2024/05/31/777200.htm
• Insurance Business — “Tens of thousands hit as yet another insurer looks to leave state” (California exit specifics, 36,475 policies): https://www.insurancebusinessmag.com
• American National Insurance Company — official Contact Us page (all verified numbers, email addresses, mailing structure, life and health discontinuation notice): https://www.americannational.com/home/contact-us
• American National — official newsroom, “Information and Resources” during catastrophe events (24-hour claims hotline 1-800-333-2860): https://www.americannational.com/home/newsroom
• American National — Find an Agent (1-800-899-6520 general line, district office line): https://www.americannational.com/home/find-an-agent
• ZoomInfo — American National Insurance Company corporate listing (Galveston headquarters, founding 1905): https://www.zoominfo.com/c/american-national-insurance-co/3951371
• GetHuman — American National Insurance Co. customer service phone information (most popular number, average hold times, IVR menu options): https://gethuman.com/phone-number/American-National-Insurance-Co
• Brookfield Reinsurance — public disclosures of the 2022 American National Group acquisition: https://bnre.brookfield.com

By Shahinuzzaman — full-time writer with 16 years in the banking and insurance industry, covering consumer insurance including auto, home, and life. He verifies every detail from primary sources and accepts no payment from the companies he covers. Found an outdated number or have a correction? Reach out — this page gets updated whenever a reader sends better information.

Last updated: May 2026 ·