American National No Exam Life Insurance Review

american national no exam reviewHave you heard of ANICO for life insurance? American National No Exam Life Insurance is one of the leading providers for no exam life insurance. The question is, can you trust them?

Choosing a life insurance provider is crucial. You want to be sure that the premiums you pay will guarantee protection for your beneficiary. After all, the insurance company is making a promise to your loved ones.

ANICO is a stable, tried and true company. American National Insurance Insurance Company(ANICO) is publicly traded and founded in 1905. Headquartered in Galveston, TX American National maintains an A(Excellent) A.M. Best Rating and has greater than $2 Billion dollars in assets.

With over 11 million policyholders to date, selecting the American National No Exam Life Insurance plan is an excellent addition to your insurance portfolio.

As a full-service life insurance brokerage, it’s our job to stay up to speed on the options best fit for consumers. The rest of this post explains what else you need to know about considering ANICO No Exam Life Insurance.

Table of Contents

How much can you get?
How old can you be?
What if I have health issues?
Sample American National Rates
Is the plan whole life or term?
Is there a waiting period?
How long will the approval take?
Compare other options!

How Much Can you Get with American National No Exam Life Insurance?

ANICO offers a life insurance that does not require a medical exam. You can purchase term coverage between $50,000 to $250,000. You can obtain whole life up to $150,000.

If you need more than $250,000 in coverage, consider some of these top life insurance companies.

How old can you be for ANICO No Exam Life Insurance?

American National No Exam Life Insurance is available through age 65. For no exam life insurance over 65 years old, please visit Please see this page for more information on life insurance that does not require a health exam.

What if I have health issues?

ANICO No Exam Life Insurance will consider your application even if you have health problems. They will have a set of medical questions on the application as well as run your prescription profile and MIB report.

In some cases, they will request a copy of your medical records. American National No Exam Life Insurance is a good fit for people with controlled high blood pressure, type 2 diabetes, weight loss and sleep apnea.

Sample American National No Exam Life Insurance Rates

GenderAgeCoverage AmountTerm LengthMonthly Premium
Male30$100,00020 Year$17.54
Female30$100,00020 Year$18.06
Male40$100,00020 Year$29.81
Female40$100,00020 Year$25.40
Male49$100,00020 Year$52.44
Female49$100,00020 Year$41.21

Disclaimer: Rates are based on Standard, Non-Smoker as of 01/2017. Actual rates and availability may vary by state and health profile.

Is ANICO’s No Exam Plan Whole Life Or Term?

American National No Exam Life Insurance is available in whole life and term. Their term lengths offered are 10,20 and 30 years.

Is There a Waiting Period?

If you apply for the plans that requires medical underwriting, you will not have a waiting period upon approval. American National also offers a guaranteed plan that has no medical questions; however, a waiting period applies.

How Long Will the Approval Take?

ANICO no exam life insurance plan is not the fastest one on the market. If you apply through them, expect a turnaround time anywhere between 48-72hrs and a few weeks.

This company may request a copy of your medical records which is what creates a delayed approval. Doctor’s offices are notorious for taking about 4-6 weeks to release records.

If you’d like coverage sooner and do not want any medical records ordered, consider choosing either Sagicor No Exam Life Insurance or North American. These two alternatives are reliable companies that offer competitive prices and a much faster turn around time. Your policy approval is anywhere from 15 minutes to 24-72hrs!

Comparisons Between These Three No Exam Life Insurance Options

Disclaimer: Rates are comparing $100,000 20 year term life coverage priced at lowest rate class as a non-smoker. Actual rates and availability may vary by age, state and health profile.

GenderAgeANICONorth AmericanSagicor

Get In Touch

At, we value your time and promise to offer life insurance with no hassle! We want to help you get this taken care of so you can get back to spending time with the ones you love the most.Our licensed agents can help you find the best no exam life insurance plan for your situation. Please call us at 888-407-0714.

Melissa Schreur

Melissa Schreur is an agent with She is passionate about helping her clients secure life insurance to protect their loved ones from financial catastrophe. Please see our guide to no medical exam life insurance and the best life insurance companies of 2018.

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