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ANICO Life Insurance

Founded in 1905 by William L. Moody Jr., American National offers innovative insurance and related financial products, customer - focused service and ranks among the larger life insurance companies in the US offering life insurance, annuities, pension sales and administration.



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Note: This carrier is a Just In Time carrier. You must submit business for your contract to be finalized.


Direct HO Access  Annualization  Downline Recruitment Allowed
  Requires E&O  Appointment Fees   Requires AML

How To Guide


ANICO's agent website is the place to find almost everything you need to sell with them!


Supplies can be ordered through ANICO's agent website. You can order supplies by going to the website > Expert Office.


ANICO uses the software Expert Office. You can download this by visiting their website.

You may also go to To learn how to link with MESSER when registering, click here.

 New Business  

Please send your first application with ANICO life insurance to MESSER by either:

  1. Faxing your application to 800-968-9814
  2. Emailing it to [email protected]
  3. Or, if the application includes a modal premium, overnight the application to the following address:

    ATTN: New Business
    MESSER Financial Group
    1216 Mann Dr Suites 100-200
    Matthews, NC 28105

New business an be submitted on the iGo E-App or by scanning it and uploading it on their website.


You may access ANICO's underwriting guidelines by logging into their website > life tab > sales support > underwriting guidelines.


You can access forms for ANICO through the iGo Forms Engine on the MESSER website by clicking here.

You can access forms for ANICO Life by going to ANCIO's Expert Office > Expert Forms.


Click here to access MESSER's Life Quote Tool

You may quote ANICO Life using the multiple rate calculators on ANICO's website.



Commissions are paid by the carrier. Visit their website to view your commission details.



Visit MESSER's Carrier Incentive Page to view all carriers offering an incentive trip.

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