American National Insurance Company vs Ameritas Life
Comprehensive side-by-side comparison of indexed universal life insurance companies
American National Insurance Company
Founded: 1905
Galveston, Texas
Assets
$30 billion
IUL Experience
15+ years
Products
1
Avg Cap Rate
9.5%
Key Strengths
120+ year history
Newsweek: 'America's Most Trustworthy Companies'
Forbes: 'America's Best Insurance Companies'
82 consecutive years financial strength recognition
Operates in all 50 states
Ameritas Life
Founded: 1887
Lincoln, Nebraska
Assets
$20 billion
IUL Experience
3+ years
Products
4
Avg Cap Rate
9.5%
Key Strengths
Offers 4+ IUL products
Growth IUL, FLX IUL, Ethos IUL (partnership)
Instant underwriting (launched Sept 2023 with Ethos)
Detailed Feature Comparison
| Feature | American National Insurance Company | Ameritas Life |
|---|---|---|
| Founded | 1905 | 1887 |
| Headquarters | Galveston, Texas | Lincoln, Nebraska |
| Assets Under Management | $30 billion | $20 billion |
| Years in IUL Business | 15+ years | 3+ years |
| Number of IUL Products | 1 | 4 |
| Typical Cap Rate Range | 8% - 11% | 8% - 11% |
| Participation Rates | 110% | 115% |
| Minimum Premium | $5,000 annual | $3,600 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 3-4 weeks standard | Instant to 3 weeks |