AMERICAN NATIONAL INSURANCE COMPANY'S RATINGSRatings Information These ratings are provided to you so that you can make a comparison of American National Insurance Company to other companies. They are not provided as a recommendation by the rating companies to purchase coverage. Although the formal rating process typically occurs once a year, American National reviews financials with A.M. Best Company and Standard & Poor's quarterly. Rating modifications can be made at any time. Current ratings can be verified at www.ambest.com and www.sandp.com A.M. Best’s Rating: A (Excellent) A.M. Best Company, independent analysts of the insurance industry since 1899, has assigned American National Insurance Company a rating of A (Excellent), third highest of 13 active company ratings. Best’s ratings are assigned after an extensive analysis using a series of profitability, leverage and liquidity tests that measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments, and capital sufficiency. For more information on Best’s rating of American National Insurance Company, view the ratings report. A.M. Best ratings were assigned in June 2012 based on 2011 financial results. Standard & Poor’s Rating: A (Strong) Standard & Poor's has assigned its A rating of financial strength to American National Insurance Company, 6th highest of 20 active company ratings. Standard & Poor's Financial Services LLC, provides independent financial information, analytical services, and credit ratings to the world's financial markets. For more information on Standard & Poor's rating of American National Insurance Company and related operating companies, view the ratings report. Standard & Poor's ratings were assigned in September 2012 based on 2011 and second-quarter 2012 financial results. Ratings Chart (Ratings as of September 2012) American National Insurance Company's ratings are marked in blue
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