American National: COVID-19 Frequently Asked Questions


From a financial perspective, American National is well capitalized.  They have endured these types of events before in their 115-year history.  But in order to weather the storm, American National has updated some of their guidelines.  Please refer to the FAQ document for more information, but below are highlights of some of the underwriting changes:

Currently the American National underwriters are doing everything they can to issue all cases however the following ages are being postponed at this time.

  •  Ages 80+: Postpone all cases until COVID-19 pandemic contained
  • Ages 60-79: Postpone all cases that require a rating of higher than table 4 or flat-extra of $5 per thousand or more for a medical reason.
  • Ages 70+: NIA/Good Health Statement is required on all cases. 4/7/2020 

In regards to foreign travel:

  • Any imminent planned foreign travel will postpone the approval process.
  • Anyone returning from international travel will be postponed for 30 days. 

In regards to how a client will be rated if they are social distancing/self isolating?:

  • If the client is self-isolating/social distancing with COVID-19 symptoms suggested by a medical professional; and is waiting to be tested for COVID-19 or for the disease to present, the underwriting process will be postponed.
  • If the client has a history of self-isolating/social distancing with symptoms based on medical advice or confirmed disease, fully recovered without any complications, and has returned to normal activities:
    • Months since recovery:
    • Less than or equal to 1: Postpone
    •  >1 month: Underwrite normally
  • If the client is in self-isolation due to possible or known contact to COVID-19, without symptoms, no diagnosis, and has returned to normal activities:
    • Months since self-isolation completed:
    • Less than or equal to 1: Postpone
    •  >1 month: Underwrite normally
  • If the client is adhering to the government lockdown, with no other reason to self-isolate, without symptoms or diagnosis, and would otherwise be continuing normal activities:
    • Underwrite normally 

Please give us a call at 1-800-792-6795 if you have any questions.