How to Apply for an American National Life Annuity

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As agents for American National Life, we offer you the easiest way to buy your annuity directly. This service is free and there is no extra charge to you. We are paid a commission by the insurance company.

Applying for your annuity only takes 10 minutes over the phone and the next morning you’ll have a pre-filled application to sign and return.

Here's some more information about the application process and your quote. If you have any questions, please call us at 800-872-6684.

About Your American National Insurance Quote

  • Your quote is guaranteed for 14 days
  • To lock in the quote requires the completion of a written application
  • Your application must be received by the insurance company before your quote expires
  • You can extend the guarantee period of your quote for up to 60 days if you are transferring savings from an IRA or 401k to the annuity. This is called a rate lock.

About The American National Insurance Application

The first step to locking in your quote is to submit an application. If you’re ready to apply, call us at 800-872-6684 and here’s how we’ll assist you:

  • We’ll go through a 10-minute phone questionnaire with you that helps us pre-fill a printed application. (The insurance company does not yet have a digital application.)
  • The next day you’ll receive your typed application by FedEx to review and sign. If you have questions as you go through the application, call us at 800-872-6684 for assistance.
  • With your typed application, we’ll also include a prepaid FedEx envelope to return your forms to the insurance company for maximum safety and speed.
  • It takes the insurance company about 2 weeks to issue your written policy which you’ll receive by overnight mail. You’ll get daily updates from us as your application goes through the underwriting process.

If you have any questions about your quotes, the application process, or annuities in general, please call our customer service team at 800-872-6684. We’d be happy to speak with you.

Frequently Asked Annuity Questions

+How do I pay for my annuity?

The money you pay for an annuity is called the premium. The premium can be paid in several ways:

By Check: You can send a personal check payable to American National Life. Your check would include your name in the memo section ("For Benefit Of ______") to ensure it is credited to your account. You do not need to send a cashiers' check or a certified check.

By Company-Directed Transfer from a 401k, IRA, bank CD, or existing annuity: If your premium is currently with another company, we'll include Transfer paperwork with your application so American National Life can request the premium be sent to it directly.

+Are there any extra fees or commissions?

No, the premium amount on your quote is the total cost to receive the stated income. There are no other fees or deductions. We are paid a commission by American National Life to represent them. This commission has already been figured into the quotes you received.

We represent over 25 top-rated insurance companies to bring you the best annuity rates, and our service is free to you!

+How do I get my annuity policy?

After American National Life receives your application and funding, it starts to underwrite your policy. American National Life usually takes about two weeks to review your application and set up your account. Our friendly customer service team will call you or email you with regular updates at each stage of the policy issue process.

Once the underwriting is completed, an annuity policy (also called an annuity contract) is sent to our offices to review for accuracy. If everything is correct, we’ll overnight it to you for your acceptance.

After you review the contract, if you’re satisfied with what you see, sign the delivery receipt and return it in the enclosed postage-paid envelope. Your annuity is then active and you will begin receiving your guaranteed income!

+Can I cancel my annuity?

Yes. By state law, you have a “free look” period during which you are allowed to change your mind and cancel your annuity contract for a 100% no-questions-asked refund. The length of this “free look” period is at least 10 days and in some states it's up to 30 days.

+How do I receive my monthly payments?

On your application you can elect to receive automatic EFT deposits. Your income payments will be deposited into your bank account via electronic funds transfer. Otherwise, a check will be mailed to your street address.

Get My American National Annuity Quote Now!

  • Optional: For a 2-person annuity (joint lives)

No agent will call you

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Find advanced calculator options here.

American National Offers These Annuities:

Deferred Annuities American National Palladium MYG Annuity

Single Premium Immediate Annuities American National Palladium Single Premium Immediate Annuity

Click here to read more about the American National Insurance Company