F&G (Fidelity & Guaranty Life) vs American National Insurance Company
Comprehensive side-by-side comparison of indexed universal life insurance companies
F&G (Fidelity & Guaranty Life)
Founded: 1959
Des Moines, Iowa
Assets
$40 billion
IUL Experience
10+ years
Products
2
Avg Cap Rate
9.5%
Key Strengths
LIMRA Q2 2024: Top IUL provider ranking
Competitive historical performance
Quick policy delivery
Juvenile IUL specialty (15 days to 17 years)
Living benefits: accelerated death benefits
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
Detailed Feature Comparison
| Feature | F&G (Fidelity & Guaranty Life) | American National Insurance Company |
|---|---|---|
| Founded | 1959 | 1905 |
| Headquarters | Des Moines, Iowa | Galveston, Texas |
| Assets Under Management | $40 billion | $30 billion |
| Years in IUL Business | 10+ years | 15+ years |
| Number of IUL Products | 2 | 1 |
| Typical Cap Rate Range | 8% - 11% | 8% - 11% |
| Participation Rates | 115% | 110% |
| Minimum Premium | $3,600 annual | $5,000 annual |
| Issue Ages | 15 days to 85 years | 0-85 years |
| Underwriting Speed | Some immediate delivery or within 24 hours | 3-4 weeks standard |