B
American National Genl Ins Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
Loading...
Major Rating Factors: Fair profitability index (3.3 on a scale of 0 to 10) with operating losses during 2022 and 2023. Average return on equity over the last five years has been poor at -3.1%. Good overall results on stability tests (6.0) despite negative cash flow from operations for 2024. The largest net exposure for one risk is high at 3.6% of capital. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (8.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors: History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Superior liquidity (9.1) with ample operational cash flow and liquid investments.
Stability Factors: F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (39.1%), homeowners (13.2%), comm multi (12.8%), other (35.0%)
Licensed in: All states except AK, DC, HI, MA, ME, MI, NC, NH, NJ, NY, RI, TX, VT
Principal Investments: Investment grade bonds (96.0%), other (4.0%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
--
Corporate Info
Group Affiliation
Brookfield Wealth Solutions Ltd
Investment Rating
BNT
Company Address
American National Corporate Centre
Springfield, MO 65899
Phone Number
(417) 887-4990
NAIC Number
39942
Largest Affiliates
C
GALVESTON, TX - L&A
B
San Antonio, TX - P&C
C
San Antonio, TX - P&C
B