American National Insurance Company

I submitted a request on 11/18 to surrender my life insurance policy for the amount of $1980.00. On 11/25 in the mail I received a notice saying I need verification of my signature. I’ve had the policy since 2002 so things have changed. On 11/26 I contacted them and asked if my driver license would be enough. I was assured this was enough by the employee on the phone. All conversations are recorded each time you called, I even included my *** bill, because my license address is not my current address. On December 3 I called back to make sure this was enough because in the notice sent to me, it did not specify what type of information was needed. The employee assured my they could understand the signature, but this was forward to Corporate office and they didn’t know. Today I called to check on the status and found out the closed the file. I’ve never received anything in the mail to alert to why, or what else is needed and have been sitting here waiting on my check. This seems to be a common practice with them about paying out claims because it took them 3 months to pay out roofer on our home.

Terrible company!!! DO NOT EVER USE American National Insurance Company!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄

I'd like to not even give them 1 star! Awful business practices. My policy changed hands of agents several times in just 2 years. I called to ask questions about my policy, and no one would call me back. Needless to say, if they won't call back, how well are they actually going to help if I need to file a claim? So I decided to take my policies elsewhere to feel more secure. I tried to contact agent *** numerous times. Even called home office and had them reach out to him. No response. I left one last message letting him know I had started a new policy with a new company, and he finally called back. He was arrogant and not helpful, and just angry that I was taking my business elsewhere. I cancelled, and the company billed me AGAIN after I cancelled, then sent a bill saying I'm responsible for the remainder of the policy premium, even if I cancel, as their premium policy dates are for 6 months only, and I would have had to cancel when the policy ended instead of in the middle of a cycle. No where is this practice stated in my contract. No one informed me of this. And nowhere online does it mention it in regards to my policy either. It's , and no one should have to deal with such business practices. I wouldn't recommend this company to anyone! Dishonest and unreliable.

Very sad to have lost my conversion option on a term life insurance policy from American National Insurance Company ***550 and the Life Insurance Services ***. My conversion reminder was never mailed or sent to me (secretary verified this) that my expiration date for the policy was 6/2/2015. I called a few days later that same week in 2015, and was just told it was too late. I think It is very sad that a company would not send a reminder letter to a customer about the options on a policy close to the expiration date. I have now cancelled a policy that I have paid on for 8 full years never missing a payment because they would not have the curtesy to remind me in 2015 of my options that I missed by a few days. After the expiration date, I went ahead and paid double the premiums to keep the policy, but cannot afford the premiums now four years later after the expiration date. I am very sad to lose $125,000 insurance because I missed the option expiration just a matter of days and I don't think the company cares at all. So the lesson learned is watch your policy expiration dates, because companies like this will not send you a reminder to help you protect your monthly investments for so many years.

They are sending payments late to my creditor and the creditor reported a late payment to *** due to their negligence.

I work for a direct sales company, and as a benefit for business performance, they funded a $100,000 whole life policy in my name thru American National Insurance Company. This policy was funded for several years, and accrued actual cash value. In August of 2017, my company announced they were replacing this benefit, and all policies would need to be cashed out, or we could continue to pay the premiums ourselves. Since I maintain adequate term life policies, I quickly decided to cancel this policy. I called the company and notified them of my desire to cash out, and requested the necessary paperwork. It was never delivered. I called again in September, and several times in October, and could not reach a live person. I was instead directed to a prerecorded message that advised me that my company was making another payment, and I should wait to make a decision. In November, I was able to make contact with a customer service rep, and request the cash out option. This time, I received a statement of policy value. The second week of November, I requested again the paperwork needed to cash out my policy. This time it was delivered to my home, completed, signed by myself and a witness, and promptly mailed back. Since that time, my many attempts to contact them have all ended with someone that I have to leave a message with, and I never get a call back. At this point, it appears they are waiting to cancel the account until the cash value is depleted. I estimate there are at least 3,000 policies like mine no longer being paid by my company. That equates to $1.5 million in premium payments annually. I am sure this is a significant loss for the broker handling the accounts, but this is no excuse for the unethical, and dishonest behavior demonstrated by American National Insurance Company.

This was the worst experience I have ever had with a company. We have accident and life insurance on all of our loans and we have this American National on our truck. Needless to say, my husband broke his leg at the end of april. This company has snail mail and they mail everything. Including checks for payment to the bank. Our first payment we got from them was June 21st. Almost 2 months after my husband was out of work. Since July, (which right now it is september) I have been trying to get everything straightened out with this company. We had 4 months we should have gotten paid. They said they sent 4 checks. My bank only recieved 3 payments. I called american national, and *** talked to me said she talked to the bank and she would be sending out another check. At the end of August, still one payment missing. I called and left a message for ***. 3 days later, no call back. I called again. Had to complain to get *** on the phone and she says she did not send a check because she checked and July's check was cashed. I said I don't know which check is missing. All it says is A/D payment and for the amount and when it was applied. She said well, you need to call your bank and ask them which checks they received and cashed. I said can't you see which checks are cashed? They are your checks. She said that is not in my dertment. She was very rude the last time and I got upset and asked her why I pay thousands of dollars to them to sit and make calls and worry about what payments are going to be made and which ones are not. And this is supposed to make thing easier while someone is hurt and out of work and I have been doing nothing but stressing out and crying. She told me to calm down and I said it would have been nice if she at least returned my call. She told me she never got a voicemail. I don't know what is going on. I just want the 4 payments that they were supposed to make to be made. I can't understand why it is so complicated. We have a different accident place for another loan and they are amazing!! They do direct deposit so we don't have lost checks, They send emails and call for updates, not snail mail we wait 3 weeks to get or that they say they never recieve. I have had it with this place! I don't know why they can't just figure out which payment was not cashed and fix the problem. Instead I am the one that has to figure everything out. This is supposed to make things easier on us, not give us anxiety and pannick attacks.

I received a life insurance policy through my business for reaching performance incentives. I have had this policy for 3 years. The company I work with indicated that they are no longer going to pay for the policy and to contact American National about future payments and/or closing and obtaining the value of the policy. For several months I have called and always sent to a voicemail of the department handling this policy and have not received a call back. It is unbelievable. But I always receive a bill to continue the policy yet no one will call me and answer the few questions I have regarding this policy.

When I took a home equity loan at my bank I was asked if I wanted death and disability insurance. I said yes and I was told that perhaps I should seek a different company for those services because the company that my banking institution uses has much higher rates. Going against that advice, I took the insurance anyway. On September 29, 2017, I suffered a life changing accident where I had broken 4 vertebrae in my back. At my first possible opportunity I called my bank and asked how I go about getting my loan covered until I am able to get back to work. I also asked them when it start being paid. I was told by my bank that they would file a claim with the insurance company, and because I had just made a payment, that I should not have to worry about anything except getting better. My next payment should be covered and all following until I get back to work. My claim was filed in the beginning of October, this company is not paying on the claim as per the contract. ALL my payments were sent ON TIME!! They got their money and had no complaints about collecting it.