American Natl Lloyds Ins Co
Major Rating Factors:
Fair reserve development (4.3 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (4.4) including negative cash flow from operations for 2025. The largest net exposure for one risk is excessive at 6.4% of capital. Good liquidity (5.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Strong long-term capitalization index (9.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Weak profitability index (2.7) with operating losses during 2021, 2023, 2024 and 2025.
Stability Factors:
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Comm multi (47.8%), fire (0.9%), other (51.4%)
Licensed in:
TX
Principal Investments:
Investment grade bonds (77.5%), cash (4.2%), other (18.3%)
Corporate Info
Group Affiliation
Brookfield Corporation
Investment Rating
Company Address
American National Center
Springfield, MO 65899
Springfield, MO 65899
Phone Number
(417) 887-4990
NAIC Number
10043
Website
Largest Affiliates