Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 4, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Brief

  • Accordia Life exclusively offers life insurance
  • American National offers life, auto, home, and renters insurance
  • Both companies are highly rated by A.M. Best and S&P

Accordia Life and American National are insurance and annuities companies. Both providers offer affordable life insurance but differ in the number of insurance options.

Comparing the differences between Accordia Life vs. American National will help you decide which one is right for your individual needs.

While Accordia Life offers life insurance exclusively, American National offers a wide range of insurance options. This could be a determining factor between the two if you’re looking for multiple insurance options from the same provider.

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Accordia Life vs. American National: What are their ratings?

A.M. Best and S&P gave both Accordia Life and American National a grade of “A” in their most recent ratings.

This rating is classified as excellent for financial strength and issuer credit rating, which means the rating companies are comfortable that the providers will be able to supply payouts to customers when necessary.

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Accordia Life vs. American National: Are there a lot of complaints?

The Better Business Bureau (BBB) hasn’t rated either of these two companies but does provide complaints made by customers over the past three years.

These complaints provide a look into how the companies have treated their customers and where problems might occur.

At the time of this review, Accordia Life has received 48 customer complaints over the past three years. The vast majority of these complaints have been about products and services or billing and collection. The remaining ones were about advertising and sales.

American National has had 17 complaints over the past three years. These complaints have mainly been about the company’s products and services, with only a few regarding billing and collection.

When comparing Accordia Life vs. American National, it should be noted that the latter has various types of insurance that are operated by different sections of the company. So not all complaints will be about their life insurance services.

Accordia Life vs. American National: What insurance policies are offered?

A major factor to consider when comparing Accordia Life vs. American National is the insurance offerings they provide.

Accordia Life exclusively offers life insurance, while American National offers auto, home, life, and renters insurance.

If you’re only looking to buy life insurance, you might consider Accordia Life as they specialize in this type of insurance. However, you won’t be able to bundle any other types of insurance.

American National allows you to bundle different types of insurance coverage, keeping all of your insurance policies with the same company.

Life Insurance Policies

Accordia Life and American National provide the same types of life insurance. Their term insurance policies are available in 10, 15, 20, and 30-year increments. The amount of the policy can range anywhere from $30,000 to $500,000.

The two companies also offer the same types of permanent life insurance. This includes whole, universal, and indexed universal. These types of insurance guarantee coverage for the life of the policyholder.

Accordia Life vs. American National: What riders are available?

When purchasing life insurance, you might want to customize your policy. These options are called riders and allow policyholders to create the best policy for their families.

Both Accordia Life and American National have certain riders included while other riders require an additional premium. Both companies offer accelerated benefit riders for no additional premium.

In addition to the accelerated benefits rider, Accordia Life insurance customers can purchase optional riders for an additional premium. These riders include:

  • Primary insured
  • Additional insured
  • Guaranteed purchase options
  • Children’s insurance
  • Accidental death benefit
  • Waiver of monthly deduction
  • Waiver of a specified premium

American National also offers optional riders that can be purchased as a part of a life insurance policy. These riders include:

  • Disability waivers
  • Extending coverage
  • Children’s insurance

A common benefit with life insurance, these riders allow customers to access part of their policy while they are still alive if they suffer from a terminal, chronic, or critical illness.

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Accordia Life vs. American National: Can policy information be accessed on mobile devices?

With most people on the move, the mobile accessibility of information matters. Comparing Accordia Life vs. American National mobile access can be a determining factor for some potential customers.

Accordia Life insurance company doesn’t offer a mobile app but has a mobile-friendly website. This allows customers to view their policy, make payments, and file claims from their mobile devices with relative ease.

In addition to a mobile-friendly website, American National has a mobile app that can be downloaded to Apple or Android devices. The app allows customers to complete the same tasks as the website, including viewing your policy, making a payment, and filing a claim.

Accordia Life vs. American National: History

Accordia Life and Annuity Company is a subsidiary of Global Atlantic. Founded in 2004, Global Atlantic offers various types of insurance through its subsidiaries.

Accordia Life was acquired in 2013 with the purchase of Aviva USA, making it the life insurance provider for Global Atlantic customers.

American National Insurance Company was founded in 1905 and offers a wide range of insurance products. This includes auto insurance, home insurance, life insurance, and renters insurance. While the company is based in Texas, these offerings are available in all 50 states and Puerto Rico.

Accordia Life vs. American National: The Bottom Line

When comparing Accordia Life vs. American National, the right choice depends on your personal preference. This might include bundling types of insurance, policy customization, or monthly rates. Knowing the difference between these two popular life insurance providers will help you determine the right choice.

Enter your ZIP code to compare life insurance rates and find the best fit for your family.

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Frequently Asked Questions

We’ve added some FAQs about life insurance below.

#1 – Can I buy life insurance online?

Both companies allow customers to apply, receive approval, and pay for their policies online via their websites. American National also allows customers to pay on its mobile app.

#2 – What are my payment options?

Policyholders can make payments by credit card, debit card, automatic bank draft, or check.

#3 – How much information is needed during the application process?

The application process asks a few simple “yes” or “no” health questions. Applicants don’t require any medical exams to receive acceptance of their application.