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 lineup of FIA and MYGA products.
Run live numbers on American National products
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Income FIAs
Selected product: Strategy Indexed Plus 7
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore American National products
Known American National product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Rate Certainty Annuity 5 Year
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or 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.
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 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
American National groups its annuity offerings around families such as Strategy Indexed Plus, Smart Start Accumulator, and WealthQuest Citadel Diamond.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1905
Founded in Galveston, Texas; 120+ years of operation.
Founded 1905 · AnnuityRatesHQ carrier research, June 2026
Combined assets
$40B+
American National plus its NY affiliate, as of Dec 31, 2025.
As of Dec 31, 2025 · AnnuityRatesHQ carrier research, June 2026
Owner
Brookfield
Owned by Brookfield Wealth Solutions since 2022.
Acquired 2022 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
History highlights
American National was founded in 1905 in Galveston, Texas, and grew into a diversified multiline insurer over the following century.
Founded 1905 · AnnuityRatesHQ carrier research, June 2026
In 2022 American National was acquired by Brookfield Wealth Solutions, becoming a core part of its U.S. retirement and insurance platform.
Acquired 2022 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
A
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 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
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 its broad FIA and MYGA lineup.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
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 · AnnuityRatesHQ carrier research, June 2026
The company carries an A (Excellent) rating from AM Best, with A ratings from S&P and Fitch on the operating company. Its annuity lineup includes the Strategy Indexed Plus and Smart Start Accumulator FIAs alongside the Palladium and WealthQuest Citadel MYGA lines.
Checked 2026-06-30 · AnnuityRatesHQ carrier research, June 2026
American National pairs the Strategy Indexed Plus and Smart Start Accumulator FIAs with Palladium and WealthQuest fixed-rate choices.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
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Sources
- American National corporate site — 2026-06-30
- AnnuityRatesHQ carrier research - 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 Financial Exchanges via AdvisorWorld — Verified July 2026