True to its name, American National Insurance offers agricultural, commercial, and personal property/casualty insurance as well as life insurance, annuities, supplemental health, credit, and other types of insurance throughout the US, Puerto Rico, and other territories. The company's subsidiaries include Garden State Life Insurance, Standard Life and Accident Insurance, and Farm Family Holdings. It markets its life and pension products to small businesses and individuals through brokers and agents. Property/casualty products are distributed through its exclusive agency force as well as career agents. The company's direct-to-consumer division sells life and health products.