C
AMERICAN NATIONAL INS CO
Rating Date
July 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Good quality investment portfolio (5.2 on a scale of 0 to 10) despite substantial holdings of BBB bonds in addition to moderate junk bond exposure. Exposure to mortgages is significant, but the mortgage default rate has been low. Good Liquidity (5.6) with sufficient resources to handle a spike in claims. Weak profitability (1.3) with operating losses during the first nine months of 2024.
Other Rating Factors: Weak overall results on stability tests (2.7) including weak results on operational trends. Strong capitalization (7.3) based on excellent risk adjusted capital (severe loss scenario).
Stability Factors: G - Fast asset or premium growth. I - Past results on our Investment Safety Index. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Other (100%)
Licensed in: All states except NY
Investments
Invested Assets
Cash
CMO & Structured Securities
Other Investment Grade Bonds
Non-Investment Grade Bonds
Common & Preferred Stock
Mortgages in Good Standing
Non-Performing Mortgages
Real Estate
Other Investments
Investments in Affiliates
Corporate Info
Group Affiliation
American National Group Inc
Investment Rating
BNT
Company Address
ONE MOODY PLAZA
GALVESTON, TX 77550
Phone Number
(409) 763-4661
NAIC Number
60739
Largest Affiliates
C
WEST DES MOINES, IA - L&A
C
WEST DES MOINES, IA - L&A
B
San Antonio, TX - P&C
C
San Antonio, TX - P&C