10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the quarterly period ended June 30, 2013

or

¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Commission File No. 001- 34280

American National Insurance Company

(Exact name of registrant as specified in its charter)

Texas	74-0484030
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)

One Moody Plaza Galveston, Texas	77550-7999
(Address of principal executive offices)	(Zip Code)

(409) 763-4661

(Registrant’s telephone number, including area code)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    x  Yes     ¨  No

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§229.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    x  Yes    ¨  No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definitions of “large accelerated filer”, “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act:

Large accelerated filer	¨	Accelerated filer	x
Non-accelerated filer	¨	Smaller reporting company	¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    ¨  Yes    x  No

As of July 31, 2013, there were 26,893,544 shares of the registrant’s voting common stock, $1.00 par value per share, outstanding.

AMERICAN NATIONAL INSURANCE COMPANY

TABLE OF CONTENTS

PART I – FINANCIAL INFORMATION
ITEM 1.	FINANCIAL STATEMENTS (Unaudited):
	Consolidated Statements of Financial Position as of June 30, 2013 and December 31, 2012	3
	Consolidated Statements of Operations for the three and six months ended June 30, 2013 and 2012	4
	Consolidated Statements of Comprehensive Income (Loss) for the three and six months ended June 30, 2013 and 2012	5
	Consolidated Statements of Changes in Stockholders’ Equity for the six months ended June 30, 2013 and 2012	5
	Consolidated Statements of Cash Flows for the six months ended June 30, 2013 and 2012	6
	Notes to the Unaudited Consolidated Financial Statements	7
ITEM 2.	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	29
ITEM 3.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	47
ITEM 4.	CONTROLS AND PROCEDURES	47
PART II – OTHER INFORMATION
ITEM 1.	LEGAL PROCEEDINGS	48
ITEM 1A.	RISK FACTORS	48
ITEM 2.	UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS	48
ITEM 3.	DEFAULTS UPON SENIOR SECURITIES	48
ITEM 4.	MINE SAFETY DISCLOSURES	48
ITEM 5.	OTHER INFORMATION	48
ITEM 6.	EXHIBIT INDEX	49

2

PART I – FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

AMERICAN NATIONAL INSURANCE COMPANY

CONSOLIDATED STATEMENTS OF FINANCIAL POSITION

(Unaudited and in thousands, except for share and per share data)

	June 30,			December 31,
	2013			2012
ASSETS
Fixed maturity, bonds held-to-maturity, at amortized cost (Fair Value $9,388,973 and $9,840,751)	$	8,941,077		$	9,009,282
Fixed maturity, bonds available-for-sale, at fair value (Amortized cost $4,360,601 and $4,316,467)		4,559,914			4,665,576
Equity securities, at fair value (Cost $724,590 and $688,579)		1,228,603			1,075,439
Mortgage loans on real estate, net of allowance		3,240,456			3,143,011
Policy loans		393,272			395,333
Investment real estate, net of accumulated depreciation of $212,186 and $223,462		437,748			511,233
Short-term investments		171,785			313,086
Other invested assets		156,837			125,104
Total investments		19,129,692			19,238,064
Cash and cash equivalents		113,870			303,008
Investments in unconsolidated affiliates		293,479			248,425
Accrued investment income		199,591			207,314
Reinsurance recoverables		392,968			418,743
Prepaid reinsurance premiums		52,775			56,826
Premiums due and other receivables		308,601			283,446
Deferred policy acquisition costs		1,275,968			1,247,675
Property and equipment, net		98,102			92,695
Current tax receivable		6,699			14,578
Other assets		207,046			154,911
Separate account assets		885,773			841,389
Total assets	$	22,964,564		$	23,107,074
LIABILITIES
Future policy benefits
Life	$	2,661,007		$	2,650,822
Annuity		844,304			811,192
Accident and health		67,147			69,962
Policyholders’ account balances		11,267,213			11,555,201
Policy and contract claims		1,304,120			1,340,366
Unearned premium reserve		773,049			757,532
Other policyholder funds		298,284			288,391
Liability for retirement benefits		270,745			265,317
Current portion of long-term notes payable		2,236			50,884
Long-term notes payable		112,500			112,500
Deferred tax liabilities, net		106,501			92,150
Other liabilities		438,835			432,041
Separate account liabilities		885,773			841,389
Total liabilities		19,031,714			19,267,747
STOCKHOLDERS’ EQUITY
Common stock, $1.00 par value,—Authorized 50,000,000 Issued 30,832,449 and 30,832,449, Outstanding 26,893,544 and 26,836,664 shares		30,832			30,832
Additional paid-in capital		3,260			—
Accumulated other comprehensive income		252,997			242,010
Retained earnings		3,730,002			3,653,280
Treasury stock, at cost		(97,463	)		(98,286	)
Total American National Insurance Company stockholders’ equity		3,919,628			3,827,836
Noncontrolling interest		13,222			11,491
Total stockholders’ equity		3,932,850			3,839,327
Total liabilities and stockholders’ equity	$	22,964,564		$	23,107,074

See accompanying notes to the unaudited consolidated financial statements.

3

AMERICAN NATIONAL INSURANCE COMPANY

CONSOLIDATED STATEMENTS OF OPERATIONS

(Unaudited and in thousands, except for share and per share data)

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
PREMIUMS AND OTHER REVENUE
Premiums
Life	$	71,546		$	70,699		$	140,201		$	137,150
Annuity		33,625			34,723			66,321			63,135
Accident and health		53,532			54,712			106,261			111,766
Property and casualty		264,147			268,431			529,836			541,600
Other policy revenues		49,937			49,016			99,935			97,063
Net investment income		246,786			240,563			498,152			496,259
Realized investment gains (losses)		45,140			10,139			63,678			19,947
Other-than-temporary impairments		(1,604	)		(5,261	)		(3,191	)		(8,098	)
Other income		10,551			7,940			17,512			14,815
Total premiums and other revenues		773,660			730,962			1,518,705			1,473,637
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits
Life		81,573			76,799			163,075			160,622
Annuity		42,600			43,722			83,295			82,967
Claims incurred
Accident and health		33,006			36,475			71,974			81,150
Property and casualty		208,639			244,966			398,233			432,518
Interest credited to policyholders’ account balances		99,770			91,019			210,876			215,883
Commissions for acquiring and servicing policies		93,733			95,528			178,856			191,042
Other operating expenses		129,160			120,151			253,735			222,144
Change in deferred policy acquisition costs		969			3,662			12,303			5,300
Total benefits, losses and expenses		689,450			712,322			1,372,347			1,391,626
Income (loss) before federal income tax and equity in earnings/losses of unconsolidated affiliates		84,210			18,640			146,358			82,011
Less: Provision (benefit) for federal income taxes
Current		22,415			16,197			27,379			23,484
Deferred		2,388			(18,581	)		8,741			(8,885	)
Total provision (benefit) for federal income taxes		24,803			(2,384	)		36,120			14,599
Equity in earnings (losses) of unconsolidated affiliates, net of tax		1,076			314			9,653			(1,567	)
Net income (loss)		60,483			21,338			119,891			65,845
Less: Net income (loss) attributable to noncontrolling interest, net of tax		2,314			832			1,751			123
Net income (loss) attributable to American National Insurance Company	$	58,169		$	20,506		$	118,140		$	65,722
Amounts available to American National Insurance Company common stockholders
Earnings per share
Basic	$	2.17		$	0.77		$	4.41		$	2.46
Diluted		2.16			0.76			4.39			2.45
Cash dividends to common stockholders		0.77			0.77			1.54			1.54
Weighted average common shares outstanding		26,779,969			26,685,128			26,777,029			26,675,405
Weighted average common shares outstanding and dilutive potential common shares		26,901,347			26,854,595			26,894,798			26,848,258

See accompanying notes to the unaudited consolidated financial statements.

4

AMERICAN NATIONAL INSURANCE COMPANY

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

(Unaudited and in thousands)

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013		2012
Net income (loss)	$	60,483		$	21,338		$	119,891	$	65,845
Other comprehensive income (loss), net of tax
Change in net unrealized gain (loss) on securities		(57,897	)		(16,794	)		4,822		59,737
Foreign currency transaction and translation adjustments		265			178			414		330
Defined benefit plan adjustment		2,875			2,125			5,751		4,793
Other comprehensive income (loss), net of tax		(54,757	)		(14,491	)		10,987		64,860
Total comprehensive income (loss)		5,726			6,847			130,878		130,705
Less: Comprehensive income (loss) attributable to noncontrolling interest		2,314			832			1,751		123
Total comprehensive income (loss) attributable to American National Insurance Company	$	3,412		$	6,015		$	129,127	$	130,582

AMERICAN NATIONAL INSURANCE COMPANY

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY

(Unaudited and in thousands, except for per share data)

	Six months ended June 30,
	2013			2012
Common Stock
Balance at beginning and end of the period	$	30,832		$	30,832
Additional Paid-In Capital
Balance as of January 1,		—			—
Reissuance of treasury shares		2,926			(203	)
Income tax effect from restricted stock arrangement		79			(534	)
Amortization of restricted stock		255			8,651
Balance at end of period		3,260			7,914
Accumulated Other Comprehensive Income (Loss)
Balance as of January 1,		242,010			159,403
Other comprehensive income (loss)		10,987			64,860
Balance at end of the period		252,997			224,263
Retained Earnings
Balance as of January 1,		3,653,280			3,545,546
Net income (loss) attributable to American National Insurance Company		118,140			65,722
Cash dividends to common stockholders		(41,418	)		(41,331	)
Balance at end of the period		3,730,002			3,569,937
Treasury Stock
Balance as of January 1,		(98,286	)		(98,490	)
Reissuance of treasury shares		823			203
Balance at end of the period		(97,463	)		(98,287	)
Noncontrolling Interest
Balance as of January 1,		11,491			12,947
Contributions		1			—
Distributions		(21	)		(17	)
Gain (loss) attributable to noncontrolling interest		1,751			123
Balance at end of the period		13,222			13,053
Total Stockholders’ Equity	$	3,932,850		$	3,747,712

See accompanying notes to the unaudited consolidated financial statements.

5

AMERICAN NATIONAL INSURANCE COMPANY

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited and in thousands)

	Six months ended June 30,
	2013			2012
OPERATING ACTIVITIES
Net income (loss)	$	119,891		$	65,845
Adjustments to reconcile net income (loss) to net cash provided by operating activities
Realized investment (gains) losses		(63,678	)		(19,947	)
Other-than-temporary impairments		3,191			8,098
Accretion (amortization) of discounts, premiums and loan origination fees		1,479			2,495
Net capitalized interest on policy loans and mortgage loans		(13,172	)		(14,469	)
Depreciation		14,973			18,555
Interest credited to policyholders’ account balances		210,876			215,883
Charges to policyholders’ account balances		(99,935	)		(97,063	)
Deferred federal income tax (benefit) expense		8,741			(8,885	)
Equity in (earnings) losses of unconsolidated affiliates		(9,653	)		1,567
Distributions from equity method investments		15,873			9,001
Changes in:
Policyholder liabilities		29,894			88,363
Deferred policy acquisition costs		12,303			5,300
Reinsurance recoverables		25,775			16,225
Premiums due and other receivables		(25,155	)		(26,037	)
Prepaid reinsurance premiums		4,051			4,055
Accrued investment income		7,723			2,688
Current tax receivable/payable		7,879			14,438
Liability for retirement benefits		5,428			1,407
Other, net		(12,848	)		(26,453	)
Net cash provided by (used in) operating activities		243,636			261,066
INVESTING ACTIVITIES
Proceeds from sale/maturity/prepayment of
Held-to-maturity securities		762,394			703,534
Available-for-sale securities		484,501			245,011
Investment real estate		78,067			—
Mortgage loans		252,379			109,951
Policy loans		29,714			33,875
Other invested assets		7,527			5,324
Disposals of property and equipment		783			98
Distributions from unconsolidated affiliates		21,149			10,212
Payment for the purchase/origination of
Held-to-maturity securities		(706,980	)		(610,789	)
Available-for-sale securities		(552,322	)		(300,943	)
Investment real estate		(19,822	)		(14,593	)
Mortgage loans		(344,240	)		(259,093	)
Policy loans		(12,012	)		(21,495	)
Other invested assets		(9,370	)		(8,547	)
Additions to property and equipment		(10,337	)		(12,218	)
Contributions to unconsolidated affiliates		(67,235	)		(14,423	)
Change in short-term investments		141,301			4,132
Other, net		744			5,266
Net cash provided by (used in) investing activities		56,241			(124,698	)
FINANCING ACTIVITIES
Policyholders’ account deposits		444,357			608,843
Policyholders’ account withdrawals		(843,286	)		(656,544	)
Change in notes payable		(48,648	)		1,313
Dividends to stockholders		(41,418	)		(41,331	)
Proceeds from (payments to) noncontrolling interest		(20	)		(17	)
Net cash provided by (used in) financing activities		(489,015	)		(87,736	)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS		(189,138	)		48,632
Beginning of the period		303,008			102,114
End of period	$	113,870		$	150,746

See accompanying notes to the unaudited consolidated financial statements.

6

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

1. NATURE OF OPERATIONS

American National Insurance Company and its consolidated subsidiaries (collectively “American National”) offer a broad spectrum of insurance products, including individual and group life insurance, health insurance, annuities, and property and casualty insurance. Through non-insurance subsidiaries, American National invests primarily in stocks and real estate. Business is conducted in 50 states, the District of Columbia, Puerto Rico, Guam and American Samoa. The majority of revenues are generated by the insurance business. Various distribution systems are utilized, including multiple-line exclusive agents, independent agents, third-party marketing organizations, career agents, and direct sales to the public.

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND PRACTICES

The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles (“GAAP”) and are reported in U.S. currency. American National consolidates all entities that are wholly-owned and those in which American National owns less than 100% but controls, as well as any variable interest entities in which American National is the primary beneficiary. All material intercompany transactions with consolidated entities have been eliminated. Investments in unconsolidated affiliates are accounted for using the equity method of accounting. Certain amounts in prior years have been reclassified to conform to current year presentation.

The interim consolidated financial statements and notes herein are unaudited and reflect all adjustments which management considers necessary for the fair presentation of the interim consolidated statements of financial position, operations, comprehensive income (loss), changes in stockholders’ equity, and cash flows.

The interim consolidated financial statements and notes should be read in conjunction with the annual consolidated financial statements and notes thereto included in American National’s Annual Report on Form 10-K as of and for the year ended December 31, 2012. The consolidated results of operations for the interim periods should not be considered indicative of results to be expected for the full year.

The preparation of the consolidated financial statements in conformity with GAAP requires the use of estimates and assumptions that affect the reported consolidated financial statement balances. Actual results could differ from those estimates.

3. RECENTLY ISSUED ACCOUNTING PRONOUNCEMENTS

Adoption of New Accounting Standards—The Financial Accounting Standards Board (“FASB”) issued the following accounting guidance relevant to American National, including technical amendments and corrections to make the accounting standards easier to understand and fair value measurement easier to apply. Each became effective for American National on January 1, 2013, and unless stated otherwise, did not have a material effect on the consolidated financial statements:

Amended guidance for derecognition of an in substance real estate subsidiary. The amendment clarifies that when a reporting entity ceases to have a controlling financial interest in a subsidiary that is in substance real estate because of a default on the subsidiary’s nonrecourse debt secured by the real estate, the reporting entity should apply the guidance for real estate sales when evaluating the subsidiary for deconsolidation.

Guidance that amends the disclosures about offsetting assets and liabilities. The new guidance requires disclosures of both gross and net information about offsetting and related arrangements. Subsequently, amendments were issued to clarify the scope of this guidance covering only those derivatives that are either offsets in accordance with the right of setoff conditions, the balance sheet netting criteria or subject to an enforceable master netting arrangement or similar agreement.

Amended guidance on presentation of accumulated other comprehensive income (“AOCI”). The amendments require disclosures about the amounts reclassified out of AOCI by component. In addition, an entity is required to present, either on the face of the statement of operations or in the notes, significant amounts reclassified out of AOCI by the respective line items of net income but only if the amount reclassified is required under GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under GAAP that provide additional detail about those amounts.

7

Future Adoption of New Accounting Standards—The FASB issued the following significant accounting guidance relevant to American National. Each will become effective for American National on January 1, 2014 and unless stated otherwise, is not expected to have a material effect on the consolidated financial statements:

Guidance addressing questions on the recognition and classification of fees mandated by the Patient Protection and Affordable Care Act on the health insures’ financial statements. The guidance specifies that the liability for the fee should be recorded in full once the entity provides qualifying health insurance in the applicable calendar year. The corresponding deferred cost is then amortized to expense using a straight-line method of allocation unless another method better allocates the fee over the calendar year that it is payable.

Amended guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of the guidance is fixed at the reporting date, except for obligations addressed within existing GAAP guidance.

4. INVESTMENTS IN SECURITIES

The cost or amortized cost and estimated fair value of investments in securities are shown below (in thousands):

	June 30, 2013
	Cost or Amortized Cost		Gross Unrealized Gains		Gross Unrealized (Losses)			Estimated Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	1,973	$	32	$	—		$	2,005
U.S. states and political subdivisions		370,477		24,047		(342	)		394,182
Foreign governments		29,085		3,223		—			32,308
Corporate debt securities		8,047,408		480,818		(89,646	)		8,438,580
Residential mortgage-backed securities		452,074		28,901		(1,883	)		479,092
Collateralized debt securities		2,374		267		—			2,641
Other debt securities		37,686		2,479		—			40,165
Total bonds held-to-maturity		8,941,077		539,767		(91,871	)		9,388,973
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		21,550		889		(2	)		22,437
U.S. states and political subdivisions		601,263		27,328		(10,323	)		618,268
Foreign governments		5,000		1,873		—			6,873
Corporate debt securities		3,613,906		203,991		(42,682	)		3,775,215
Residential mortgage-backed securities		72,178		3,547		(662	)		75,063
Commercial mortgage-backed securities		20,934		12,992		—			33,926
Collateralized debt securities		15,737		1,223		(24	)		16,936
Other debt securities		10,033		1,163		—			11,196
Total bonds available-for-sale		4,360,601		253,006		(53,693	)		4,559,914
Equity securities
Common stock		696,900		497,164		(8,419	)		1,185,645
Preferred stock		27,690		15,361		(93	)		42,958
Total equity securities		724,590		512,525		(8,512	)		1,228,603
Total investments in securities	$	14,026,268	$	1,305,298	$	(154,076	)	$	15,177,490

8

	December 31, 2012
	Cost or Amortized Cost		Gross Unrealized Gains		Gross Unrealized (Losses)			Estimated Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	3,593	$	69	$	—		$	3,662
U.S. states and political subdivisions		393,541		40,161		(7	)		433,695
Foreign governments		29,071		4,367		—			33,438
Corporate debt securities		7,993,167		748,773		(6,782	)		8,735,158
Residential mortgage-backed securities		549,384		42,313		(1,195	)		590,502
Collateralized debt securities		2,500		321		—			2,821
Other debt securities		38,026		3,449		—			41,475
Total bonds held-to-maturity		9,009,282		839,453		(7,984	)		9,840,751
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		19,649		1,156		—			20,805
U.S. states and political subdivisions		570,751		44,792		(105	)		615,438
Foreign governments		5,000		2,344		—			7,344
Corporate debt securities		3,582,913		303,908		(14,188	)		3,872,633
Residential mortgage-backed securities		89,486		5,165		(266	)		94,385
Commercial mortgage-backed securities		20,933		3,509		—			24,442
Collateralized debt securities		17,676		1,448		(33	)		19,091
Other debt securities		10,059		1,379		—			11,438
Total bonds available-for-sale		4,316,467		363,701		(14,592	)		4,665,576
Equity securities
Common stock		660,889		383,634		(6,739	)		1,037,784
Preferred stock		27,690		9,995		(30	)		37,655
Total equity securities		688,579		393,629		(6,769	)		1,075,439
Total investments in securities	$	14,014,328	$	1,596,783	$	(29,345	)	$	15,581,766

The amortized cost and estimated fair value, by contractual maturity, of fixed maturity securities are shown below (in thousands):

	June 30, 2013
	Bonds Held-to-Maturity				Bonds Available-for-Sale
	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Due in one year or less	$	910,170	$	925,314	$	542,969	$	556,380
Due after one year through five years		2,566,756		2,800,700		1,363,358		1,490,856
Due after five years through ten years		4,913,212		5,084,699		2,048,682		2,097,928
Due after ten years		545,089		573,210		400,592		409,950
Without single maturity date		5,850		5,050		5,000		4,800
Total	$	8,941,077	$	9,388,973	$	4,360,601	$	4,559,914

Actual maturities differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Residential and commercial mortgage-backed securities, which are not due at a single maturity, have been allocated to their respective categories based on the year of final contractual maturity.

9

Proceeds from the sales of available-for-sale securities, with the related gross realized gains and losses, are shown below (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Proceeds from sales of available-for-sale securities	$	79,191		$	5,632		$	156,048		$	38,305
Gross realized gains		12,612			947			23,350			12,027
Gross realized losses		(4	)		(11	)		(526	)		(170	)

All gains and losses for securities sold throughout the year were determined using specific identification of the securities sold. During the six months ended June 30, 2013, bonds with a carrying value of $13,492,000 were transferred from held-to-maturity to available-for-sale after a significant deterioration in the issuer’s creditworthiness became evident. An unrealized loss of $263,000 was established at the time of the transfer. There were no transfers during the same period in 2012.

Change in net unrealized gains (losses) on securities

The components of the change in net unrealized gains (losses) on securities are shown below (in thousands):

	Six months ended June 30,
	2013			2012
Bonds available-for-sale	$	(149,796	)	$	57,126
Equity securities		117,153			61,405
Change in net unrealized gains (losses) on securities during the year		(32,643	)		118,531
Adjustments for:
Deferred policy acquisition costs		40,596			(22,098	)
Participating policyholders’ interest		248			(4,417	)
Deferred federal income tax benefit (expense)		(3,379	)		(32,279	)
Change in net unrealized gains (losses) on securities, net of tax	$	4,822		$	59,737

10

Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are shown below (in thousands):

	June 30, 2013
	Less than 12 months					12 Months or more					Total
	Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. states and political subdivisions	$	(342	)	$	10,545	$	—		$	—	$	(342	)	$	10,545
Corporate debt securities		(85,632	)		1,539,954		(4,014	)		36,547		(89,646	)		1,576,501
Residential mortgage-backed securities		(1,164	)		39,401		(719	)		10,982		(1,883	)		50,383
Total bonds held-to-maturity		(87,138	)		1,589,900		(4,733	)		47,529		(91,871	)		1,637,429
Fixed maturity securities, bonds available-for-sale
U.S. treasury and other U.S. government corporations and agencies		(2	)		9,086		—			—		(2	)		9,086
U.S. states and political subdivisions		(10,323	)		135,550		—			—		(10,323	)		135,550
Corporate debt securities		(38,954	)		801,335		(3,728	)		65,663		(42,682	)		866,998
Residential mortgage-backed securities		(514	)		17,684		(148	)		2,011		(662	)		19,695
Collateralized debt securities		(5	)		281		(19	)		698		(24	)		979
Total bonds available-for-sale		(49,798	)		963,936		(3,895	)		68,372		(53,693	)		1,032,308
Equity securities
Common stock		(8,419	)		74,429		—			—		(8,419	)		74,429
Preferred stock		(93	)		1,907		—			—		(93	)		1,907
Total equity securities		(8,512	)		76,336		—			—		(8,512	)		76,336
Total investments in securities	$	(145,448	)	$	2,630,172	$	(8,628	)	$	115,901	$	(154,076	)	$	2,746,073
	December 31, 2012
	Less than 12 months					12 Months or more					Total
	Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. states and political subdivisions	$	(6	)	$	914	$	(1	)	$	80	$	(7	)	$	994
Corporate debt securities		(4,394	)		319,434		(2,388	)		39,632		(6,782	)		359,066
Residential mortgage-backed securities		(147	)		13,824		(1,048	)		24,666		(1,195	)		38,490
Total bonds held-to-maturity		(4,547	)		334,172		(3,437	)		64,378		(7,984	)		398,550
Fixed maturity securities, bonds available-for-sale
U.S. states and political subdivisions		(105	)		6,523		—			—		(105	)		6,523
Corporate debt securities		(2,077	)		242,261		(12,111	)		70,187		(14,188	)		312,448
Residential mortgage-backed securities		(34	)		1,527		(232	)		8,029		(266	)		9,556
Collateralized debt securities		(8	)		527		(25	)		911		(33	)		1,438
Total bonds available-for-sale		(2,224	)		250,838		(12,368	)		79,127		(14,592	)		329,965
Equity securities
Common stock		(6,739	)		64,003		—			—		(6,739	)		64,003
Preferred stock		(30	)		30		—			—		(30	)		30
Total equity securities		(6,769	)		64,033		—			—		(6,769	)		64,033
Total investments in securities	$	(13,540	)	$	649,043	$	(15,805	)	$	143,505	$	(29,345	)	$	792,548

As of June 30, 2013, the securities with unrealized losses were not deemed to be other-than-temporarily impaired, including those with the duration of the unrealized losses exceeding one year. American National has the ability and intent to hold those securities until a market price recovery or maturity. Further, it is not more-likely-than-not that American National will be required to sell them prior to recovery, and recovery is expected in a reasonable period of time. It is possible the issuer’s financial circumstances may be different in the future, which may lead to a different impairment conclusion in future periods.

11

Credit Risk Management

The bond portfolio distributed by credit quality rating, using both S&P and Moody’s ratings, is shown below:

	June 30, 2013			December 31, 2012
AAA		5.0	%		5.5	%
AA		10.7			10.6
A		41.0			38.2
BBB		39.4			41.4
BB and below		3.9			4.3
Total		100.0	%		100.0	%

Equity securities by market sector distribution are shown below:

	June 30, 2013			December 31, 2012
Financials		19.6	%		18.9	%
Consumer goods		19.5			20.3
Energy and utilities		16.1			15.8
Information technology		15.7			16.9
Healthcare		12.4			12.7
Industrials		8.7			9.1
Other		8.0			6.3
Total		100.0	%		100.0	%

5. MORTGAGE LOANS

Generally, commercial mortgage loans are secured by first liens on income-producing real estate. American National attempts to maintain a diversified portfolio by considering the property-type and property location of the underlying mortgage collateral. Mortgage loans by property-type and geographic distribution are as follows:

	June 30, 2013			December 31, 2012
Office		25.9	%		34.9	%
Industrial		31.3			24.0
Retail		19.4			17.7
Hotel and motel		12.6			13.9
Other		10.8			9.5
Total		100.0	%		100.0	%
	June 30, 2013			December 31, 2012
West South Central		25.0	%		23.2	%
South Atlantic		21.3			23.0
East North Central		19.0			18.2
Pacific		13.9			13.3
East South Central		7.4			7.1
Mountain		5.6			7.0
Other		7.8			8.2
Total		100.0	%		100.0	%

There were no loans sold or foreclosed and no significant non-cash transactions occurred during the six months ended June 30, 2013 or 2012.

12

Credit Quality

Commercial mortgage loan balances placed on nonaccrual status are shown below (in thousands):

	June 30, 2013		December 31, 2012
Commercial mortgages
Retail	$	13,354	$	13,354
Office		6,220		—
Total	$	19,574	$	13,354

The credit quality of the mortgage loan portfolio is assessed by evaluating the credit risk of each borrower. A loan is classified as performing or non-performing based on whether all of the contractual terms of the loan have been met.

The age analysis of past due commercial mortgage loans is shown below (in thousands):

	June 30, 2013
	30-59 Days		60-89 Days		Greater Than		Total Past				Total
	Past Due		Past Due		90 Days		Due		Current		Mortgage Loans
Commercial mortgages
Office	$	18,866	$	—	$	6,220	$	25,086	$	992,988	$	1,018,074
Industrial		—		—		—		—		841,027		841,027
Retail		—		—		13,354		13,354		622,970		636,324
Other		—		—		—		—		758,712		758,712
Total	$	18,866	$	—	$	19,574	$	38,440	$	3,215,697		3,254,137
Allowance for loan losses												13,681
Mortgage loans on real estate, net of allowance											$	3,240,456
	December 31, 2012
	30-59 Days		60-89 Days		Greater Than		Total Past				Total
	Past Due		Past Due		90 Days		Due		Current		Mortgage Loans
Commercial mortgages
Office	$	—	$	—	$	—	$	—	$	1,100,407	$	1,100,407
Industrial		—		—		—		—		755,198		755,198
Retail		—		—		13,354		13,354		547,472		560,826
Other		—		—		—		—		738,592		738,592
Total	$	—	$	—	$	13,354	$	13,354	$	3,141,669		3,155,023
Allowance for loan losses												12,012
Mortgage loans on real estate, net of allowance											$	3,143,011

Total mortgage loans are net of unamortized discounts of $1,490,000 and $4,346,000 and unamortized origination fees of $14,556,000 and $14,076,000 at June 30, 2013 and December 31, 2012, respectively. No unearned income is included in these amounts.

Allowance for Credit Losses

Loans not evaluated individually for collectibility are segregated by collateral property-type and location and allowance factors are applied. These factors are developed annually, and reviewed quarterly based on our historical loss experience adjusted for the expected trend in the rate of foreclosure losses. Allowance factors are higher for loans of certain property types and in certain regions based on loss experience or a blended historical loss factor.

13

The change in allowance for credit losses in commercial mortgage loans is shown below (in thousands):

	Three Months Ended June 30,					Six Months Ended June 30,
	Collectively		Individually			Collectively		Individually
	Evaluated		Evaluated			Evaluated		Evaluated
	for Impairment		for Impairment			for Impairment		for Impairment
Beginning balance, 2012	$	9,640	$	493		$	10,828	$	493
Write down		—		(2,277	)		—		(2,277	)
Change in allowance		2,233		2,277			1,045		2,277
Ending balance, 2012	$	11,873	$	493		$	11,873	$	493
Beginning balance, 2013	$	11,231	$	493		$	11,519	$	493
Change in allowance		788		1,169			500		1,169
Ending balance, 2013	$	12,019	$	1,662		$	12,019	$	1,662

At June 30, 2013 and 2012, the recorded investment for loans collectively evaluated for impairment was $3,144,566,000 and $2,976,969,000, respectively, and the recorded investment for loans individually evaluated for impairment was $111,936,000 and $105,515,000, respectively.

Loans individually evaluated for impairment with and without an allowance are shown below (in thousands):

	June 30, 2013				June 30, 2012
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Three months ended
With an allowance recorded
Office	$	22,209	$	799	$	—	$	—
Without an allowance recorded
Office	$	27,904	$	30	$	26,064	$	1,377
Industrial		—		—		890		—
Retail		17,166		282		22,261		(193	)
Other		55,043		907		59,698		303
Total	$	100,113	$	1,219	$	108,913	$	1,487
Six months ended
With an allowance recorded
Office	$	23,450	$	799	$	—	$	—
Without an allowance recorded
Office	$	19,417	$	643	$	45,358	$	1,482
Retail		17,166		565		15,224		446
Other		55,125		1,831		45,354		1,520
Total	$	91,708	$	3,039	$	105,936	$	3,448
	June 30, 2013				December 31, 2012
			Unpaid				Unpaid
	Recorded		Principal		Recorded		Principal
	Investment		Balance		Investment		Balance
With an allowance recorded
Retail (related allowance of $493 and $493)	$	—	$	493	$	—	$	493
Office (related allowance of $1,169 and $0)		22,209		23,378		—		—
Total with an allowance recorded	$	22,209	$	23,871	$	—	$	493
Without an allowance recorded
Office	$	19,375	$	19,375	$	36,544	$	36,544
Retail		17,152		17,152		17,180		17,180
Other		54,862		54,862		55,320		55,320
Total without an allowance recorded	$	91,389	$	91,389	$	109,044	$	109,044

14

Troubled Debt Restructurings

A small portion of the mortgage loan portfolio for which American National has granted concessions related to the borrowers’ ability to pay the loans is classified as troubled debt restructurings. Concessions are generally one of, or a combination of, a delay in payment of principal or interest, a reduction of the contractual interest rate or an extension of the maturity date. American National considers the amount, timing and extent of concessions in determining any impairment or changes in the specific allowance for loan losses recorded in connection with a troubled debt restructuring. The carrying value after specific allowance, before and after modification in a troubled debt restructuring, may not change significantly, or may increase if the expected recovery is higher than the pre-modification recovery assessment. There was one mortgage loan that has been modified in troubled debt restructurings during the six months ended June 30, 2013, with no such modifications during the same period in 2012. The outstanding recorded investment was $6,432,000 both before and after the modification.

6. INVESTMENT REAL ESTATE

Investment real estate by property-type and geographic distribution are as follows:

	June 30, 2013			December 31, 2012
Shopping centers		33.4	%		41.0	%
Office buildings		25.7			21.9
Industrial		17.8			18.1
Other		23.1			19.0
Total		100.0	%		100.0	%
	June 30, 2013			December 31, 2012
West South Central		58.8	%		60.8	%
South Atlantic		10.7			11.2
East North Central		8.9			10.3
Mountain		6.9			6.2
East South Central		6.4			5.3
Other		8.3			6.2
Total		100.0	%		100.0	%

American National and its wholly-owned subsidiaries regularly invest in real estate partnerships and joint ventures. American National participates in the design of these entities with the sponsor, but in most cases, its involvement is limited to financing. Through analysis performed by American National, some of these partnerships and joint ventures have been determined to be variable interest entities (“VIEs”). In certain instances, in addition to an economic interest in the entity, American National holds the power to direct the most significant activities of the entity and is deemed the primary beneficiary or consolidator of the entity. The assets of the consolidated VIEs are restricted and must be used first to settle the liabilities of the VIE. Creditors or beneficial interest holders of these VIEs have no recourse to the general credit of American National, as American National’s obligation is limited to the amount of its committed investment. American National has not provided financial or other support to the VIEs in the form of liquidity arrangements, guarantees, or other commitments to third parties that may affect the fair value or risk of its variable interest in the VIEs in 2013 or 2012.

15

The assets and liabilities relating to VIEs which are consolidated in American National’s financial statements are as follows (in thousands):

	June 30, 2013		December 31, 2012
Investment real estate	$	113,879	$	162,502
Short-term investments		674		969
Cash and cash equivalents		2,326		3,671
Accrued investment income		1,927		2,641
Other receivables		8,699		11,709
Other assets		4,603		6,487
Total assets of consolidated VIEs	$	132,108	$	187,979
Notes payable	$	114,736	$	163,384
Other liabilities		4,153		6,647
Total liabilities of consolidated VIEs	$	118,889	$	170,031

The total notes payable in the consolidated statements of financial position pertain to the borrowings of American National Insurance Company’s consolidated VIEs. The liability of American National Insurance Company on notes payable of the consolidated VIEs is limited to the amount of its direct or indirect investment in the respective ventures, which totaled $12,740,000 and $18,063,000 at June 30, 2013 and December 31, 2012, respectively. The average interest rate on the current portion of the notes payable was 4.0% during 2013. The total long-term portion of notes payable consists of three notes with the following interest rates: 4.0%, adjusted LIBOR plus 1.0% and adjusted LIBOR plus 2.5%. Of the long-term notes payable, $12,500,000 will mature in 2016, with the remainder maturing beyond 5 years.

For other VIEs in which American National is a partner, it is not the primary beneficiary and these entities were not consolidated, as the major decisions that most significantly impact the economic activities of the VIE require unanimous consent of all partners. The following table presents the carrying amount and maximum exposure to loss relating to unconsolidated VIEs (in thousands):

	June 30, 2013				December 31, 2012
	Carrying Amount		Maximum Exposure to Loss		Carrying Amount		Maximum Exposure to Loss
Investment in unconsolidated affiliates	$	133,192	$	133,192	$	81,548	$	81,548

7. DERIVATIVE INSTRUMENTS

American National purchases over-the-counter equity-indexed options as economic hedges against fluctuations in the equity markets to which equity-indexed products are exposed. Equity-indexed contracts include a fixed host universal-life or annuity contract and an equity-indexed embedded derivative. The detail of derivative instruments is shown below (in thousands):

Derivatives Not Designated as Hedging Instruments	Location in the Consolidated Statements of Financial Position	June 30, 2013						December 31, 2012
		Number of Instruments		Notional Amounts		Estimated Fair Value		Number of Instruments		Notional Amounts		Estimated Fair Value
Equity-indexed options	Other invested assets		366	$	884,100	$	115,558		356	$	846,900	$	82,625
Equity-indexed embedded derivative	Future policy benefits		28,400		760,300		100,963		22,941		722,500		75,032

	Location in the Consolidated Statements of Operations	Gains (Losses) Recognized in Income on Derivatives
Derivatives Not Designated		Three months ended June 30,						Six months ended June 30,
as Hedging Instruments		2013			2012			2013			2012
Equity-indexed options	Net investment income	$	10,419		$	(8,189	)	$	34,759		$	11,458
Equity-indexed embedded derivative	Interest credited to policyholders’ account balances		(8,047	)		9,447			(28,694	)		(9,010	)

16

8. NET INVESTMENT INCOME AND REALIZED INVESTMENT GAINS (LOSSES)

Net investment income, before federal income taxes, is shown below (in thousands):

	Three months ended June 30,					Six months ended June 30,
	2013		2012			2013			2012
Bonds	$	157,975	$	170,443		$	321,408		$	342,722
Equity securities		8,421		7,508			15,236			13,753
Mortgage loans		56,083		50,749			107,868			100,507
Real estate		352		8,498			(1,069	)		8,283
Options		10,419		(8,189	)		34,759			11,458
Other invested assets		13,536		11,554			19,950			19,536
Total	$	246,786	$	240,563		$	498,152		$	496,259

Realized investment gains (losses), before federal income taxes, are shown below (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Bonds	$	3,696		$	9,610		$	6,919		$	13,420
Equity securities		11,836			2,859			20,519			10,214
Mortgage loans		101			(2,233	)		389			(3,322	)
Real estate		29,563			—			35,946			(252	)
Other invested assets		(56	)		(97	)		(95	)		(113	)
Total	$	45,140		$	10,139		$	63,678		$	19,947

The OTTI losses are shown below (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Equity securities	$	(1,604	)	$	(5,261	)	$	(3,191	)	$	(8,098	)

9. FAIR VALUE OF FINANCIAL INSTRUMENTS

The carrying amount and estimated fair value of financial instruments are shown below (in thousands):

	June 30, 2013				December 31, 2012
	Carrying		Estimated		Carrying		Estimated
	Amount		Fair Value		Amount		Fair Value
Financial assets
Fixed maturity securities, bonds held-to-maturity	$	8,941,077	$	9,388,973	$	9,009,282	$	9,840,751
Fixed maturity securities, bonds available-for-sale		4,559,914		4,559,914		4,665,576		4,665,576
Equity securities		1,228,603		1,228,603		1,075,439		1,075,439
Equity-indexed options		115,558		115,558		82,625		82,625
Mortgage loans on real estate, net of allowance		3,240,456		3,441,676		3,143,011		3,441,645
Policy loans		393,272		393,272		395,333		395,333
Short-term investments		171,785		171,785		313,086		313,086
Separate account assets		885,773		885,773		841,389		841,389
Total financial assets	$	19,536,438	$	20,185,554	$	19,525,741	$	20,655,844
Financial liabilities
Investment contracts	$	9,581,289	$	9,581,289	$	9,987,431	$	9,987,431
Embedded derivative liability for equity-indexed contracts		100,963		100,963		75,032		75,032
Notes payable		114,736		114,736		163,384		163,384
Separate account liabilities		885,773		885,773		841,389		841,389
Total financial liabilities	$	10,682,761	$	10,682,761	$	11,067,236	$	11,067,236

17

Summary

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability. A fair value hierarchy is used to determine fair value based on a hypothetical transaction at the measurement date from the perspective of a market participant. American National has evaluated the types of securities in its investment portfolio to determine an appropriate hierarchy level based upon trading activity and the observability of market inputs. The classification of assets or liabilities within the fair value hierarchy is based on the lowest level of significant input to its valuation. The input levels are defined as follows:

Level 1	Unadjusted quoted prices in active markets for identical assets or liabilities.
Level 2	Quoted prices in markets that are not active or inputs that are observable directly or indirectly. Level 2 inputs include quoted prices for similar assets or liabilities other than quoted prices in Level 1; quoted prices in markets that are not active; or other inputs that are observable or can be derived principally from or corroborated by observable market data for substantially the full term of the assets or liabilities.
Level 3	Unobservable inputs that are supported by little or no market activity and are significant to the fair value of the assets or liabilities. Unobservable inputs reflect American National’s own assumptions about the assumptions that market participants would use in pricing the asset or liability. Level 3 assets and liabilities include financial instruments whose values are determined using pricing models and third-party evaluation, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

Fixed Maturity Securities and Equity Options—American National utilizes a pricing service to estimate fair value measurements. The estimates of fair value for most fixed maturity securities, including municipal bonds, provided by the pricing service are disclosed as Level 2 measurements as the estimates are based on observable market information rather than market quotes.

The pricing service utilizes market quotations for fixed maturity securities that have quoted prices in active markets. Since fixed maturity securities generally do not trade on a daily basis, the pricing service prepares estimates of fair value measurements for these securities using its proprietary pricing applications, which include available relevant market information, benchmark curves, benchmarking of like securities, sector groupings and matrix pricing. Additionally, an option adjusted spread model is used to develop prepayment and interest rate scenarios.

The pricing service evaluates each asset class based on relevant market information, relevant credit information, perceived market movements and sector news. The market inputs utilized in the pricing evaluation, listed in the approximate order of priority, include: benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data, and economic events. The extent of the use of each market input depends on the asset class and the market conditions. Depending on the security, the priority of the use of inputs may change or some market inputs may not be relevant. For some securities, additional inputs may be necessary.

American National has reviewed the inputs and methodology used and the techniques applied by the pricing service to produce quotes that represent the fair value of a specific security. The review confirms the service is utilizing information from observable transactions or a technique that represents a market participant’s assumptions. American National does not adjust quotes received from the pricing service. The pricing service utilized by American National has indicated that they will only produce an estimate of fair value if there is objectively verifiable information available.

American National holds a small amount of private placement debt and fixed maturity securities that have characteristics that make them unsuitable for matrix pricing. For these securities, a quote from an independent broker (typically a market maker) is obtained. Due to the disclaimers on the quotes that indicate that the price is indicative only, American National includes these fair value estimates in Level 3.

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The pricing of certain commercial mortgage-backed securities use discounted cash flow models and these securities are classified as Level 3 measurements. These models include significant non-observable inputs including an internally determined credit rating of the security and an externally provided credit spread. At June 30, 2013 and December 31, 2012, the modeled discount rate ranges from 5.9% to 6.0%.

For securities priced using a quote from an independent broker, such as the equity options and certain fixed maturity securities, American National uses a market-based fair value analysis to validate the reasonableness of prices received from an independent broker. Price variances above a certain threshold are analyzed further to determine if any pricing issue exists. This analysis is generally performed on a weekly basis, but no less frequently than on a monthly basis.

Equity Securities—For publicly-traded equity securities, prices are received from a nationally recognized pricing service that are based on observable market transactions and these securities are classified as Level 1 measurements. For certain preferred stock, current market quotes in active markets are unavailable. In these instances, an estimate of fair value is received from the pricing service. The service utilizes similar methodologies to price preferred stocks as it does for fixed maturity securities. These estimates are disclosed as Level 2 measurements. American National tests the accuracy of the information provided by reference to other services regularly.

Mortgage Loans—The fair value of mortgage loans is estimated using discounted cash flow analyses on a loan by loan basis by applying a discount rate to expected cash flows from future installment and balloon payments. The discount rate takes into account general market trends and specific credit risk trends for the individual loan. Factors used to arrive at the discount rate include inputs from spreads based on U.S. Treasury notes and the loan’s credit rating, region, property type, lien number, payment type and current status.

Embedded Derivative—The embedded derivative liability for equity-indexed contracts is measured at fair value and is recalculated each reporting period using equity option pricing models. To validate the assumptions used to price the embedded derivative liability, American National measures and compares embedded derivative returns against the returns of equity options held to hedge the liability cash flows.

The significant unobservable input used to calculate the fair value of the embedded derivatives is equity option implied volatility. This volatility assumption is the range of implied volatilities that American National has determined market participants would use to price equity options that match the current derivative characteristics of our in-force equity-indexed contracts. Implied volatility can vary by term and strike price. An increase in implied volatility will result in an increase in the value of the equity-indexed embedded derivatives, all other things being equal. At June 30, 2013 and December 31, 2012, the implied volatility used to estimate embedded derivative value ranges from 15.2% to 31.0% and 15.9.% to 30.1%, respectively.

Other Financial Instruments—Other financial instruments classified as Level 3 measurements, as there is little or no market activity, are as follows:

Policy loans—The carrying value of policy loans is the outstanding balance plus any accrued interest. Due to the collateralized nature of policy loans, unpredictable timing of repayments and the fact that it cannot be separated from the policy contract and it is settled at outstanding value, American National believes that the carrying value of policy loans approximates fair value.

Investment contracts liability—The carrying value of investment contracts liability is equivalent to the accrued account balance. The accrued account balance consists of deposits, net of withdrawals, plus or minus interest credited, fees and charges assessed and other adjustments. American National believes that the carrying value of investment contracts liability approximates fair value because the majority of these contracts’ interest rates reset to current rates offered at anniversary.

Notes payable—Notes payable are carried at outstanding principal balance. The carrying value of the notes payable approximates fair value because the underlying interest rates approximate market rates at the balance sheet date.

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Quantitative Disclosures

The fair value hierarchy measurements of the financial instruments are shown below (in thousands):

	Fair Value Measurement as of June 30, 2013
	Total Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	2,005	$	—	$	2,005	$	—
U.S. states and political subdivisions		394,182		—		394,182		—
Foreign governments		32,308		—		32,308		—
Corporate debt securities		8,438,580		—		8,376,947		61,633
Residential mortgage-backed securities		479,092		—		478,057		1,035
Collateralized debt securities		2,641		—		—		2,641
Other debt securities		40,165		—		40,165		—
Total bonds held-to-maturity		9,388,973		—		9,323,664		65,309
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		22,437		—		22,437		—
U.S. states and political subdivisions		618,268		—		615,743		2,525
Foreign governments		6,873		—		6,873		—
Corporate debt securities		3,775,215		—		3,760,252		14,963
Residential mortgage-backed securities		75,063		—		72,857		2,206
Commercial mortgage-backed securities		33,926		—		—		33,926
Collateralized debt securities		16,936		—		15,001		1,935
Other debt securities		11,196		—		11,196		—
Total bonds available-for-sale		4,559,914		—		4,504,359		55,555
Equity securities
Common stock		1,185,645		1,185,645		—		—
Preferred stock		42,958		42,955		—		3
Total equity securities		1,228,603		1,228,600		—		3
Options		115,558		—		—		115,558
Mortgage loans on real estate		3,441,676		—		3,441,676		—
Policy loans		393,272		—		—		393,272
Short-term investments		171,785		—		171,785		—
Separate account assets		885,773		—		885,773		—
Total financial assets	$	20,185,554	$	1,228,600	$	18,327,257	$	629,697
Financial liabilities
Investment contracts	$	9,581,289	$	—	$	—	$	9,581,289
Embedded derivative liability for equity-indexed contracts		100,963		—		—		100,963
Notes payable		114,736		—		—		114,736
Separate account liabilities		885,773		—		885,773		—
Total financial liabilities	$	10,682,761	$	—	$	885,773	$	9,796,988

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	Fair Value Measurement as of December 31, 2012
	Total Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	3,662	$	—	$	3,662	$	—
U.S. states and political subdivisions		433,695		—		433,695		—
Foreign governments		33,438		—		33,438		—
Corporate debt securities		8,735,158		—		8,662,164		72,994
Residential mortgage-backed securities		590,502		—		589,441		1,061
Collateralized debt securities		2,821		—		—		2,821
Other debt securities		41,475		—		41,475		—
Total bonds held-to-maturity		9,840,751		—		9,763,875		76,876
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		20,805		—		20,805		—
U.S. states and political subdivisions		615,438		—		612,913		2,525
Foreign governments		7,344		—		7,344		—
Corporate debt securities		3,872,633		—		3,796,949		75,684
Residential mortgage-backed securities		94,385		—		91,938		2,447
Commercial mortgage-backed securities		24,442		—		—		24,442
Collateralized debt securities		19,091		—		17,156		1,935
Other debt securities		11,438		—		11,438		—
Total bonds available-for-sale		4,665,576		—		4,558,543		107,033
Equity securities
Common stock		1,037,784		1,037,784		—		—
Preferred stock		37,655		37,652		—		3
Total equity securities		1,075,439		1,075,436		—		3
Options		82,625		—		—		82,625
Mortgage loans on real estate		3,441,645		—		3,441,645		—
Policy loans		395,333		—		—		395,333
Short-term investments		313,086		—		313,086		—
Separate account assets		841,389		—		841,389		—
Total financial assets	$	20,655,844	$	1,075,436	$	18,918,538	$	661,870
Financial liabilities
Investment contracts	$	9,987,431	$	—	$	—	$	9,987,431
Embedded derivative liability for equity-indexed contracts		75,032		—		—		75,032
Notes payable		163,384		—		—		163,384
Separate account liabilities		841,389		—		841,389		—
Total financial liabilities	$	11,067,236	$	—	$	841,389	$	10,225,847

For financial instruments measured at fair value on a recurring basis using significant unobservable inputs (Level 3) during the period, a reconciliation of the beginning and ending balances is shown below at estimated fair value (in thousands):

	Level 3
	Three months ended June 30,									Six months ended June 30,
	Asset						Liability			Asset						Liability
				Equity-									Equity-
	Investment			Indexed			Embedded			Investment			Indexed			Embedded
	Securities			Options			Derivative			Securities			Options			Derivative
Beginning balance, 2012	$	15,737		$	84,706		$	(78,654	)	$	15,815		$	65,188		$	(63,275	)
Total realized and unrealized investment gains/losses
Included in other comprehensive income		(692	)		—			—			(536	)		—			—
Net fair value change included in realized gains/losses		14			—			—			30			—			—
Net gain (loss) for derivatives included in net investment income		—			(9,628	)		—			—			8,170			—
Net change included in interest credited		—			—			9,447			—			—			(9,010	)
Purchases, sales and settlements or maturities
Purchases		552			4,140			—			552			8,481			—
Sales		(16	)		—			—			(266	)		—			—
Settlements or maturities		(395	)		(2,082	)		—			(395	)		(4,703	)		—
Premiums less benefits		—			—			(2,987	)		—			—			91
Gross transfers into Level 3		32,721			—			—			32,721			—			—
Ending balance June 30, 2012	$	47,921		$	77,136		$	(72,194	)	$	47,921		$	77,136		$	(72,194	)

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	Level 3
	Three months ended June 30,									Six months ended June 30,
	Asset						Liability			Asset						Liability
				Equity-									Equity-
	Investment			Indexed			Embedded			Investment			Indexed			Embedded
	Securities			Options			Derivative			Securities			Options			Derivative
Beginning balance, 2013	$	114,373		$	105,254		$	(93,988	)	$	107,036		$	82,625		$	(75,032	)
Total realized and unrealized investment gains/losses
Included in other comprehensive income		2,720			—			—			11,129			—			—
Net fair value change included in realized gains/losses		8			—			—			219			—			—
Net gain (loss) for derivatives included in net investment income		—			8,700			—			—			31,166			—
Net change included in interest credited		—			—			(8,047	)		—			—			(28,694	)
Purchases, sales and settlements or maturities
Purchases		63			4,418			—			2,070			7,708			—
Sales		(10,844	)		—			—			(14,134	)		—			—
Settlements or maturities		—			(2,814	)		—			—			(5,941	)		—
Premiums less benefits		—			—			1,072			—			—			2,763
Gross transfers into Level 3		—			—			—			—			—			—
Gross transfers out of Level 3		(50,762	)		—			—			(50,762	)		—			—
Ending balance June 30, 2013	$	55,558		$	115,558		$	(100,963	)	$	55,558		$	115,558		$	(100,963	)

Within the net gain (loss) for derivatives included in net investment income were an unrealized gain of $28,651,000 and $2,048,000 relating to assets still held at June 30, 2013 and 2012, respectively.

There were no transfers between Level 1 and Level 2 fair value hierarchies. The transfers into Level 3 were the result of existing securities no longer being priced by the third-party pricing service at the end of the period. American National’s valuation of these securities involves judgment regarding assumptions market participants would use including quotes from independent brokers. The transfers out of Level 3 were securities being priced by a third-party service at the end of the period, using inputs that are observable or derived from market data, which resulted in classification of these assets as Level 2.

10. DEFERRED POLICY ACQUISITION COSTS

Deferred policy acquisition costs and premiums are shown below (in thousands):

							Accident			Property &
	Life			Annuity			& Health			Casualty			Total
Beginning balance 2013	$	653,416		$	406,540		$	49,206		$	138,513		$	1,247,675
Additions		49,227			25,896			5,440			103,960			184,523
Amortization		(34,912	)		(43,155	)		(7,413	)		(111,346	)		(196,826	)
Effect of change in unrealized gains on available-for-sale securities		4,732			35,864			—			—			40,596
Net change		19,047			18,605			(1,973	)		(7,386	)		28,293
Ending balance at June 30, 2013	$	672,463		$	425,145		$	47,233		$	131,127		$	1,275,968

Commissions comprise the majority of the additions to deferred policy acquisition costs for each year.

11. LIABILITY FOR UNPAID CLAIMS AND CLAIM ADJUSTMENT EXPENSES

The liability for unpaid claims and claim adjustment expenses (“claims”) for accident and health, and property and casualty insurance is included in the “Policy and contract claims” in the consolidated statements of financial position and represents the amount estimated for claims that have been reported but not settled and claims incurred but not reported (“IBNR”). Liability for unpaid claims are estimated based upon American National’s historical experience and actuarial assumptions that consider the effects of current developments, anticipated trends and risk management programs, reduced for anticipated salvage and subrogation. The effects of the changes are included in the consolidated results of operations in the period in which the changes occur.

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Information regarding the liability for unpaid claims is shown below (in thousands):

	Six months ended June 30,
	2013			2012
Unpaid claims balance, beginning	$	1,168,047		$	1,180,259
Less reinsurance recoverables		256,885			235,174
Net beginning balance		911,162			945,085
Incurred related to
Current		492,192			553,846
Prior years		(18,633	)		(37,244	)
Total incurred claims		473,559			516,602
Paid claims related to
Current		262,490			268,889
Prior years		210,013			220,479
Total paid claims		472,503			489,368
Net balance		912,218			972,319
Plus reinsurance recoverables		241,079			233,344
Unpaid claims balance, ending	$	1,153,297		$	1,205,663

The net and gross reserve calculations have shown favorable development for the last several years as a result of favorable loss emergence compared to what was implied by the loss development patterns used in the original estimation of losses in prior years. Estimates for ultimate incurred claims and CAE attributable to insured events of prior years decreased by approximately $18,633,000 during the first six months of 2013 and $37,244,000 during the same period in 2012.

12. FEDERAL INCOME TAXES

A reconciliation of the effective tax rate to the statutory federal tax rate is shown below (in thousands, except percentages):

	Three months ended June 30,												Six months ended June 30,
	2013						2012						2013						2012
	Amount			Rate			Amount			Rate			Amount			Rate			Amount			Rate
Income tax expense on pre-tax income	$	29,473			35.0	%	$	6,524			35.0	%	$	51,225			35.0	%	$	28,704			35.0	%
Tax-exempt investment income		(1,575	)		(1.9	)		(1,837	)		(9.9	)		(3,198	)		(2.2	)		(3,742	)		(4.6	)
Dividend exclusion		(1,621	)		(1.9	)		(1,483	)		(8.0	)		(3,092	)		(2.1	)		(2,952	)		(3.6	)
Miscellaneous tax credits, net		(1,929	)		(2.3	)		(2,352	)		(12.6	)		(3,890	)		(2.6	)		(4,463	)		(5.4	)
Other items, net		455			0.6			(3,236	)		(17.3	)		(4,925	)		(3.4	)		(2,948	)		(3.6	)
Effective tax	$	24,803			29.5	%	$	(2,384	)		(12.8	)%	$	36,120			24.7	%	$	14,599			17.8	%

American National made payments of $24,083,000 and $7,599,000 during the six months ended June 30, 2013 and 2012, respectively.

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The tax effects of temporary differences that gave rise to the deferred tax assets and liabilities are shown below (in thousands):

	June 30,			December 31,
	2013			2012
DEFERRED TAX ASSETS
Investments, principally due to impairment losses	$	67,976		$	70,103
Investment in real estate and other invested assets principally due to investment valuation allowances		8,033			7,259
Policyholder funds, principally due to policy reserve discount		229,505			229,429
Policyholder funds, principally due to unearned premium reserve		33,395			30,337
Participating policyholders’ surplus		39,375			37,014
Pension		94,964			94,847
Commissions and other expenses		7,066			7,889
Tax carryforwards		14,779			23,041
Other assets		—			3,343
Gross deferred tax assets		495,093			503,262
DEFERRED TAX LIABILITIES
Available-for-sale securities, principally due to net unrealized gains		(245,760	)		(257,290	)
Investment in bonds, principally due to accrual of discount on bonds		(7,414	)		(9,415	)
Deferred policy acquisition costs, due to difference between GAAP and tax amortization methods		(338,640	)		(327,245	)
Property, plant and equipment, principally due to difference between GAAP and tax depreciation methods		(7,105	)		(1,462	)
Other liabilities		(2,675	)		—
Gross deferred tax liabilities		(601,594	)		(595,412	)
Total net deferred tax liability	$	(106,501	)	$	(92,150	)

Management believes that a sufficient level of taxable income will be achieved over time to utilize the deferred tax assets in the consolidated federal tax return; therefore, no valuation allowance was recorded as of June 30, 2013 and December 31, 2012. However, if not utilized beforehand, approximately $14,779,000 in ordinary loss tax carryforwards will expire on December 31, 2033.

The statute of limitations for the examination of federal income tax returns by the IRS for years 2006 to 2011 either has been extended or has not expired. In the opinion of management, all prior year deficiencies have been paid or adequate provisions have been made for any tax deficiencies that may be upheld. No provision for penalties was established, and no interest expense was incurred for 2013 or 2012, relating to uncertain tax positions. Management does not believe that there are any uncertain tax benefits that could be recognized within the next twelve months that would decrease American National’s effective tax rate.

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13. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The components of and changes in the accumulated other comprehensive income (loss) (“AOCI”), and the related tax effects, are shown below (in thousands):

	Net Unrealized Gains/(Losses) on Securities			Defined Benefit Pension Plan Adjustments			Foreign Currency Adjustments		AOCI
Beginning balance 2012	$	274,837		$	(115,485	)	$	51	$	159,403
Unrealized holding gains (losses) arising during the period (net of tax expense $43,724)		81,202								81,202
Unrealized adjustment to DAC (net of tax benefit $7,602)		(14,496	)							(14,496	)
Unrealized (gains) losses on investments attributable to participating policyholders’ interest (net of tax benefit $1,546)		(2,871	)							(2,871	)
Foreign currency adjustment (net of tax expense $178)								330		330
Amounts reclassified from AOCI (net of tax benefit $2,297 and expense $2,581)		(4,098	)		4,793			—		695
Ending balance at June 30, 2012	$	334,574		$	(110,692	)	$	381	$	224,263
Beginning balance 2013	$	370,842		$	(129,003	)	$	171	$	242,010
Unrealized holding gains (losses) arising during the period (net of tax benefit $3,628)		(6,739	)							(6,739	)
Unrealized adjustment to DAC (net of tax expense $14,822)		25,774								25,774
Unrealized (gains) losses on investments attributable to participating policyholders’ interest (net of tax expense $87)		161								161
Foreign currency adjustment (net of tax expense $223)								414		414
Amounts reclassified from AOCI (net of tax benefit $7,902 and expense $3,097)		(14,374	)		5,751			—		(8,623	)
Ending balance at June 30, 2013	$	375,664		$	(123,252	)	$	585	$	252,997

14. STOCKHOLDERS’ EQUITY AND NONCONTROLLING INTERESTS

American National has one class of common stock with a par value of $1.00 per share and 50,000,000 authorized shares. The amounts outstanding at the dates indicated are shown below:

	June 30,			December 31,
	2013			2012
Common stock
Shares issued		30,832,449			30,832,449
Treasury shares		(3,938,905	)		(3,995,785	)
Outstanding shares		26,893,544			26,836,664
Restricted shares		(195,334	)		(185,334	)
Unrestricted outstanding shares		26,698,210			26,651,330

Stock-based compensation

American National has one stock-based compensation plan, which allows for grants of Non-Qualified Stock Options, Stock Appreciation Rights (“SAR”), Restricted Stock (“RS”) Awards, Restricted Stock Units (“RSU”), Performance Awards, Incentive Awards or any combination thereof. This plan is administered by the American National Board Compensation Committee. The Board Compensation Committee makes incentive awards under this plan to our executives after meeting established performance objectives. All awards are subject to review and approval by the committee and the Board of Directors, both at the time of setting applicable performance objectives and at the time of payment of the awards. The number of shares available for grants under the plan cannot exceed 2,900,000 shares, and no more than 200,000 shares may be granted to any one individual in any calendar year. Grants are made to certain officers and directors as compensation and to align their interests with those of other shareholders.

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SAR, RS and RSU information for the periods indicated is shown below:

	SAR					RS Shares				RS Units
	Shares			Weighted- Average Grant Date Fair Value		Shares		Weighted-Average Grant Date  Fair Value		Units			Weighted-Average Grant Date Fair Value
Outstanding at December 31, 2012		108,951		$	111.31		185,334	$	109.13		127,059		$	75.06
Granted		—			—		10,000		80.05		71,084			80.05
Exercised		(1,233	)		68.57		—		—		(74,679	)		77.03
Forfeited		(334	)		96.53		—		—		(396	)		77.20
Expired		(13,733	)		107.79		—		—		—			—
Outstanding at June 30, 2013		93,651		$	112.44		195,334	$	107.64		123,068		$	76.73

	SAR			RS Shares		RS Units
Weighted-average contractual remaining life		2.60			4.60		2.30
Weighted-average exercise price	$	112.44		$	107.64	$	76.73
Exercisable shares		91,999			N/A		—
Weighted-average exercise price Exercisable shares	$	112.86			N/A		N/A
Compensation expense (credits)
Three months ended June 30, 2013		42,000			524,000		2,716,000
Three months ended June 30, 2012		(1,000	)		669,000		5,819,000
Six months ended June 30, 2013		73,000			1,029,000		8,283,000
Six months ended June 30, 2012		(3,000	)		1,339,000		7,312,000
Fair value of liability award
June 30, 2013		76,000			N/A		11,154,000
December 31, 2012		3,000			N/A		7,974,000

The SARs give the holder the right to cash compensation based on the difference between the price of a share of stock on the grant date and the price on the exercise date. The SARs vest at a rate of 20% per year for five years and expire five years after vesting.

Effective December 31, 2012, the settlement provision within outstanding RSU awards was modified to allow the recipient of the awards to settle the vested RSUs in either cash or American National’s common stock. This change in the settlement provision is expected to apply to all future issuance of RSU awards. Prior to the modification, vested RSUs were converted to American National’s common stock on a one-for-one basis. This modification changes the award classification from equity to liability award. At the date of modification, American National recorded a liability of $7,974,000 with a corresponding reduction in additional paid-in capital. The liability will be remeasured and adjusted for changes in the fair value each reporting period through the vesting date. RSUs generally vest after a three-year graded vesting requirement. Certain awards vest over a shorter period as a result of retirement provisions. The modification, which was applied consistently to all participants added an incremental cost of $1,623,000 and $3,031,000 during the three and six months ended June 30, 2013.

RS Awards entitle the participant to full dividend and voting rights. Each award has the value of one share of restricted stock and vests 10 years from the grant date. Unvested shares are restricted as to disposition, and are subject to forfeiture under certain circumstances. Compensation expense is recognized over the vesting period. The restrictions on these awards lapse after 10 years, and these awards feature a graded vesting schedule in the case of the retirement of an award holder. Restricted stock for 350,334 shares has been granted at an exercise price of zero, of which 195,334 shares are unvested.

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Earnings (loss) per share

Basic earnings (losses) per share were calculated using a weighted average number of shares outstanding. The Restricted Stock awards and units resulted in diluted earnings per share as follows (in thousands, except share-related data):

	Three months ended June 30,				Six months ended June 30,
	2013		2012		2013		2012
Weighted average shares outstanding		26,779,969		26,685,128		26,777,029		26,675,405
Incremental shares from RS awards and RSUs		121,378		169,467		117,769		172,853
Total shares for diluted calculations		26,901,347		26,854,595		26,894,798		26,848,258
Net income (loss) attributable to American National Insurance Company	$	58,169	$	20,506	$	118,140	$	65,722
Basic earnings (loss) per share	$	2.17	$	0.77	$	4.41	$	2.46
Diluted earnings (loss) per share		2.16		0.76		4.39		2.45

Dividends

American National Insurance Company’s payment of dividends to stockholders is restricted by statutory regulations. The restrictions require life insurance companies to maintain minimum amounts of capital and surplus, and in the absence of special approval, limit the payment of dividends to the greater of statutory net gain from operations on an annual, non-cumulative basis, or 10% of statutory surplus. Additionally, insurance companies are not permitted to distribute the excess of stockholders’ equity, as determined on a GAAP basis, over that determined on a statutory basis. At June 30, 2013 and December 31, 2012, American National Insurance Company’s statutory capital and surplus was $2,366,474,000 and $2,260,268,000, respectively. Similar restrictions on amounts that can transfer in the form of dividends, loans, or advances to the parent company apply to American National’s insurance subsidiaries. Net assets of insurance subsidiaries were approximately $1,513,935,000 and $1,535,082,000 at June 30, 2013 and December 31, 2012, respectively.

Noncontrolling interests

American National County Mutual Insurance Company (“County Mutual”) is a mutual insurance company that is owned by its policyholders. American National has a management agreement that effectively gives it complete control of County Mutual. As a result, County Mutual is included in the consolidated financial statements of American National. Policyholder interests in the financial position of County Mutual are reflected as noncontrolling interest of $6,750,000 at June 30, 2013 and December 31, 2012.

American National Insurance Company and its subsidiaries exercise significant control or ownership of various joint ventures, resulting in their consolidation into American National’s consolidated financial statements. The interests of the joint ventures’ other partners are shown as noncontrolling interests, of $6,472,000 and $4,741,000 at June 30, 2013 and December 31, 2012, respectively.

15. SEGMENT INFORMATION

Management organizes the business into five operating segments:

• Life—markets whole, term, universal, indexed and variable life insurance on a national basis primarily through career and multiple-line agents, as well as through independent agents and direct marketing channels.

• Annuity—offers fixed, indexed, and variable annuity products. These products are primarily sold through independent agents, brokers, and financial institutions, along with multiple-line and career agents.

• Health—primary lines of business are Medicare Supplement, stop loss, other supplemental health products and credit disability insurance. Health products are typically distributed through independent agents and managing general underwriters.

• Property and Casualty—writes personal, commercial and credit-related property insurance. These products are primarily sold through multiple-line agents and independent agents.

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• Corporate and Other—consists of net investment income on the investments not allocated to the insurance segments and the operations of non-insurance lines of business.

The accounting policies of the segments are the same as those described in Note 2. All income and expense amounts specifically attributable to policy transactions are recorded directly to the appropriate operating segment. Income and expenses not specifically attributable to policy transactions are allocated to each segment as follows:

• Recurring income from bonds and mortgage loans is allocated based on the assets allocated to each line of business at the average yield available from these assets.

• Net investment income from all other assets is allocated to the insurance segments in accordance with the amount of equity allocated to each segment, with the remainder recorded in the Corporate and Other business segment.

• Expenses are allocated based upon various factors, including premium and commission ratios within the respective operating segments.

The following summarizes results of operations by operating segments (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013		2012
Income (loss) from continuing operations before federal income taxes and equity in earnings/losses of unconsolidated affiliates
Life	$	8,411		$	19,258		$	14,415	$	26,813
Annuity		23,668			23,882			51,002		47,614
Health		9,680			6,260			8,994		4,810
Property and casualty		(4,345	)		(36,409	)		8,564		(11,848	)
Corporate and other		46,796			5,649			63,383		14,622
Total	$	84,210		$	18,640		$	146,358	$	82,011

16. COMMITMENTS AND CONTINGENCIES

Commitments

American National had aggregate commitments at June 30, 2013, to purchase, expand or improve real estate, to fund fixed interest into mortgage loans, and to purchase other invested assets of $378,298,000, of which $271,163,000 is expected to be funded in 2013. The remaining $107,135,000 will be funded in 2014 and beyond.

In September 2012, American National renewed an existing $100,000,000 short-term variable rate borrowing facility containing a $55,000,000 sub-feature for the issuance of letters of credit. Borrowings under the facility are at the discretion of the lender and would be used only for funding working capital requirements. The combination of borrowings and outstanding letters of credit cannot exceed $100,000,000 at any time. As of June 30, 2013 and December 31, 2012, the outstanding letters of credit were $33,495,000 and $33,696,000, respectively, and there were no borrowings on this facility to meet liquidity requirements. This facility expires on September 30, 2013. American National expects it will be renewed on substantially equivalent terms upon expiration.

Guarantees

American National has guaranteed bank loans for customers of a third-party marketing operation. The bank loans are used to fund premium payments on life insurance policies issued by American National. The loans are secured by the cash values of the life insurance policies. If the customer were to default on the bank loan, American National would be obligated to pay off the loans. As the cash values of the life insurance policies always equal or exceed the balance of the loans, management does not foresee any loss on these guarantees. The total amount of the guarantees outstanding as of June 30, 2013, was approximately $206,376,000, while the total cash values of the related life insurance policies was approximately $211,055,000.

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Litigation

American National and certain subsidiaries, in common with the insurance industry in general, are defendants in various lawsuits concerning alleged breaches of contracts, various employment matters, allegedly deceptive insurance sales and marketing practices, and miscellaneous other causes of action arising in the ordinary course of operations. Certain of these lawsuits include claims for compensatory and punitive damages. We provide accruals for these items to the extent we deem the losses probable and reasonably estimable. After reviewing these matters with legal counsel, based upon information presently available, management is of the opinion that the ultimate resultant liability, if any, would not have a material adverse effect on American National’s consolidated financial position, liquidity or results of operations; however, assessing the eventual outcome of litigation necessarily involves forward-looking speculation as to judgments to be made by judges, juries and appellate courts in the future. Such speculation warrants caution, as the frequency of large damage awards, which bear little or no relation to the economic damages incurred by plaintiffs in some jurisdictions, continues to create the potential for an unpredictable judgment in any given lawsuit. These lawsuits are in various stages of development, and future facts and circumstances could result in management’s changing its conclusions. It is possible that, if the defenses in these lawsuits are not successful, and the judgments are greater than management can anticipate, the resulting liability could have a material impact on our consolidated financial position, liquidity or results of operations. With respect to the existing litigation, management currently believes that the possibility of a material judgment adverse to American National is remote and no estimate of range can be made for loss contingencies that are at least reasonably possible but not accrued.

17. RELATED PARTY TRANSACTIONS

American National has entered into recurring transactions and agreements with certain related parties. These include mortgage loans, management contracts, agency commission contracts, marketing agreements, accident and health insurance contracts and legal services. The impact on the consolidated financial statements of the significant related party transactions for the periods indicated is shown below (in thousands):

		Dollar Amount of Transactions				Amount due to/(from) American National
		Six months ended June 30,				June 30,			December 31,
Related Party	Financial Statement Line Impacted	2013		2012		2013			2012
Gal-Tex Hotel Corporation	Mortgage loan on real estate	$	564	$	264	$	8,326		$	8,890
Gal-Tex Hotel Corporation	Net investment income		314		174		50			54
Greer, Herz and Adams, LLP	Other operating expenses		4,872		3,760		(524	)		(268	)

Mortgage Loans to Gal-Tex Hotel Corporation (“Gal-Tex”): American National held a first mortgage loan issued to Gal-Tex collateralized by hotel property in San Antonio, Texas. This loan was originated in 1999, has a current interest rate of 7.30%, and has a final maturity date of April 1, 2019. This loan is current as to principal and interest payments.

Transactions with Greer, Herz & Adams, L.L.P.: Irwin M. Herz, Jr. is an American National advisory director and a Partner with Greer, Herz Adams, L.L.P., which serves as American National’s General Counsel.

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Set forth on the following pages is management’s discussion and analysis (“MD&A”) of financial condition and results of operations for the three and six months ended June 30, 2013 and 2012 of American National Insurance Company and its subsidiaries (referred to in this document as “we”, “our”, “us”, or the “Company”). This information should be read in conjunction with our consolidated financial statements included in Item 1, Financial Statements (unaudited), of this Form 10-Q.

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Forward-Looking Statements

This document contains forward-looking statements that reflect our estimates and assumptions related to business, economic, competitive and legislative developments. Forward-looking statements generally are indicated by words such as “expects,” “intends,” “anticipates,” “plans,” “believes,” “estimates,” “will” or words of similar meaning and include, without limitation, statements regarding the outlook of our business and expected financial performance. Forward-looking statements are not a guarantee of future performance and involve various risks and uncertainties. Moreover, forward-looking statements speak only as of the date made, and we undertake no obligation to update them. Certain important factors could cause our actual results to differ, possibly materially, from our expectations or estimates. These factors are described in greater detail in Item IA, Risk Factors, in our 2012 Annual Report on Form 10-K filed with the SEC on March 8, 2013, and they include among others:

• Economic Risk Factors

• difficult conditions in the economy, which may not improve in the near future, and risks related to persistently low, or unpredictable, interest rates;

• Operational Risk Factors

• differences between actual experience regarding mortality, morbidity, persistency, surrenders and investment returns, and our assumptions for establishing liabilities and reserves or for other purposes;

• potential ineffectiveness of our risk management policies and procedures;

• changes in our experience related to deferred policy acquisition costs;

• failures or limitations of our computer, data security and administration systems;

• potential employee error or misconduct, which may result in fraud or adversely affect the execution and administration of our policies and claims;

• Investment and Financial Market Risk Factors

• fluctuations in the markets for fixed maturity securities, equity securities, and commercial real estate, which could adversely affect the valuation of our investment portfolio, our net investment income, our retirement expense, and sales of or fees from certain of our products;

• lack of liquidity for certain of our investments;

• risk of investment losses and defaults;

• Catastrophic Event Risk Factors

• natural or man-made catastrophes, pandemic disease, or other events resulting in increased claims activity from catastrophic loss of life or property;

• the effects of unanticipated events on our disaster recovery and business continuity planning;

• Marketplace Risk Factors

• the highly competitive nature of the insurance and annuity business;

• potential difficulty in attraction and retention of qualified employees and agents;

• the introduction of alternative healthcare solutions, which could impact our Medicare Supplement business;

• Litigation and Regulation Risk Factors

• adverse determinations in litigation or regulatory proceedings and our exposure to contingent liabilities, including and in connection with our divestiture or winding down of businesses;

• the effects of extensive government regulation;

• changes in tax and securities law;

• changes in statutory or U.S. generally accepted accounting principles (“GAAP”), practices or policies;

• Reinsurance and Counterparty Risk Factors

• potential changes in the availability, affordability and adequacy of reinsurance protection;

• potential default or failure to perform by the counterparties to our reinsurance arrangements and derivative instruments;

• Other Risk Factors

• potentially adverse rating agency actions; and

• control of our company by a small number of stockholders.

We are a diversified insurance and financial services company, offering a broad spectrum of insurance products. Chartered in 1905, we are headquartered in Galveston, Texas. We operate in all 50 states, the District of Columbia, Guam, American Samoa and Puerto Rico.

General Trends

On July 25, 2013, American National’s Board of Directors authorized certain retirement benefit changes that will take effect December 31, 2013. The Company will shift its retirement benefits for non-bargaining employees and officers from defined benefit plans to contributory defined contribution plans. As of December 31, 2013, participation and benefit accruals under the Company’s affected defined benefit plans will be frozen, with no additional years of service credit or salary increase credit. Benefits earned by eligible employees prior to such date will not be affected.

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Critical Accounting Estimates

The unaudited interim consolidated financial statements have been prepared in conformity with GAAP. In addition to GAAP, insurance companies apply specific SEC regulations when preparing the consolidated financial statements. The preparation of the consolidated financial statements in accordance with GAAP requires us to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and notes. Actual results could differ from results reported using those estimates and assumptions.

Our accounting policies inherently require the use of judgments relating to a variety of assumptions and estimates, particularly expectations of current and future mortality, morbidity, persistency, expenses, interest rates, and property and casualty loss frequency, severity, claim reporting and settlement patterns. Due to the inherent uncertainty when using the assumptions and estimates, the effect of certain accounting policies under different conditions or assumptions could vary from those reported in the consolidated financial statements.

For a discussion of our critical accounting estimates, see the MD&A in our 2012 Annual Report on Form 10-K filed with the SEC on March 8, 2013. There were no material changes in accounting policies since December 31, 2012.

Recently Issued Accounting Pronouncements

Refer to Note 3, Recently Issued Accounting Pronouncements, of the Notes to the Unaudited Consolidated Financial Statements in Item 1.

Consolidated Results of Operations

The following sets forth the consolidated results of operations (in thousands):

	Three months ended June 30,							Six months ended June 30,
	2013		2012		Change			2013		2012		Change
Premiums and other revenues
Premiums	$	422,850	$	428,565	$	(5,715	)	$	842,619	$	853,651	$	(11,032	)
Other policy revenues		49,937		49,016		921			99,935		97,063		2,872
Net investment income		246,786		240,563		6,223			498,152		496,259		1,893
Realized investment gains (losses), net		43,536		4,878		38,658			60,487		11,849		48,638
Other income		10,551		7,940		2,611			17,512		14,815		2,697
Total premiums and other revenues		773,660		730,962		42,698			1,518,705		1,473,637		45,068
Benefits, losses and expenses
Policyholder benefits		124,173		120,521		3,652			246,370		243,589		2,781
Claims incurred		241,645		281,441		(39,796	)		470,207		513,668		(43,461	)
Interest credited to policyholder’s account balances		99,770		91,019		8,751			210,876		215,883		(5,007	)
Commissions for acquiring and servicing policies		93,733		95,528		(1,795	)		178,856		191,042		(12,186	)
Other operating expenses		129,160		120,151		9,009			253,735		222,144		31,591
Change in deferred policy acquisition costs (1)		969		3,662		(2,693	)		12,303		5,300		7,003
Total benefits and expenses		689,450		712,322		(22,872	)		1,372,347		1,391,626		(19,279	)
Income (loss) before other items and federal income taxes	$	84,210	$	18,640	$	65,570		$	146,358	$	82,011	$	64,347

(1) A negative amount of net change indicates more expense was deferred than amortized and represents a decrease to expenses in the periods indicated.

Consolidated earnings increased during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily as a result of decreased claims in our property and casualty segment coupled with an increase in realized investment gains. The increase in earnings was partially offset by an increase in other operating expenses in our life segment and a decrease in premiums in our property and casualty segment.

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Results of Operations and Related Information by Segment

Life

Life segment results for the periods indicated were as follows (in thousands):

	Three months ended June 30,									Six months ended June 30,
	2013			2012			Change			2013			2012			Change
Premiums and other revenues
Premiums	$	71,546		$	70,699		$	847		$	140,201		$	137,150		$	3,051
Other policy revenues		46,518			45,711			807			92,876			90,363			2,513
Net investment income		59,238			59,380			(142	)		116,187			118,285			(2,098	)
Other income		878			802			76			1,385			1,552			(167	)
Total premiums and other revenues		178,180			176,592			1,588			350,649			347,350			3,299
Benefits, losses and expenses
Policyholder benefits		81,573			76,799			4,774			163,075			160,622			2,453
Interest credited to policyholder’s account balances		14,310			14,063			247			27,097			28,984			(1,887	)
Commissions for acquiring and servicing policies		30,561			25,042			5,519			56,150			46,431			9,719
Other operating expenses		51,691			44,180			7,511			104,227			88,473			15,754
Change in deferred policy acquisition costs (1)		(8,366	)		(2,750	)		(5,616	)		(14,315	)		(3,973	)		(10,342	)
Total benefits and expenses		169,769			157,334			12,435			336,234			320,537			15,697
Income (loss) before other items and federal income taxes	$	8,411		$	19,258		$	(10,847	)	$	14,415		$	26,813		$	(12,398	)

(1) A negative amount of net change indicates more expense was deferred than amortized and represents a decrease to expenses in the periods indicated.

Earnings decreased during the quarter and year-to-date ended June 30, 2013 primarily due to increased operating expenses and policyholder benefits, partially offset by increases in premiums and other policy revenues.

Premiums and other revenues

Revenues from traditional life insurance products include scheduled premium payments from policyholders on whole life and term life products. The change in these premiums is impacted primarily by policy persistency and new sales during the period. Premiums increased during 2013 compared to 2012 primarily resulting from increased sales of term products following the introduction of a new portfolio of term products during 2012.

Other policy revenues include mortality charges, earned policy service fees and surrender charges on interest-sensitive life insurance policies. These charges increased during 2013 compared to 2012 primarily due to the growing block of interest-sensitive life policies.

Benefits, losses and expenses

Policyholder benefits were increased during the quarter and year-to-date ended June 30, 2013 by $5.0 million for a block of limited pay contracts, which were evaluated as requiring additional reserves.

Commissions increased during 2013 compared to 2012 primarily due to increased sales of our term and equity-indexed universal life products.

Other operating expenses increased during 2013 compared to 2012 as a result of an increase in allocated share-based compensation costs under the stock and incentive plan, as well as increases in production bonuses and costs associated with the growth in our life insurance in-force during 2013.

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The following table presents the components of the change in DAC (in thousands):

	Three months ended June 30,								Six months ended June 30,
	2013			2012			Change		2013			2012			Change
Acquisition cost capitalized	$	23,319		$	22,640		$	679	$	49,227		$	40,315		$	8,912
Amortization of DAC		(14,953	)		(19,890	)		4,937		(34,912	)		(36,342	)		1,430
Change in DAC (1)	$	8,366		$	2,750		$	5,616	$	14,315		$	3,973		$	10,342

(1) A positive amount of net change indicates more expense was deferred than amortized and represents a decrease to expenses in the periods indicated.

The change in DAC decreased expenses primarily as a result of an increase in acquisition costs capitalized during 2013 compared to 2012 due to an increase in commissions from higher production.

Policy in-force information

The following tables summarize the changes in the Life segment’s in-force amounts (in thousands) and number of policies in-force:

	June 30,		December 31,
	2013		2012		Change
Life insurance in-force
Traditional life	$	52,187,072	$	48,856,459	$	3,330,613
Interest-sensitive life		24,665,134		24,132,101		533,033
Total life insurance in-force	$	76,852,206	$	72,988,560	$	3,863,646
Number of policies in-force
Traditional life		2,037,579		2,122,666		(85,087	)
Interest-sensitive life		191,769		185,729		6,040
Total number of policies in-force		2,229,348		2,308,395		(79,047	)

There was an increase in total life insurance in-force amounts during 2013, while there was a decrease in the total number of policies. The increase in life insurance in-force amounts is believed to be attributed to the attractiveness of our new portfolio of products and ease of doing business. The decrease in our policy count during 2013 is attributable to unclaimed property settlements, surrenders and lapses, as well as new business activity generally being comprised of fewer but larger face-value policies.

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Annuity

Annuity segment results for the periods indicated were as follows (in thousands):

	Three months ended June 30,							Six months ended June 30,
	2013		2012		Change			2013		2012		Change
Premiums and other revenues
Premiums	$	33,625	$	34,723	$	(1,098	)	$	66,321	$	63,135	$	3,186
Other policy revenues		3,419		3,305		114			7,059		6,700		359
Net investment income		151,163		138,460		12,703			315,208		304,697		10,511
Other income		95		52		43			145		93		52
Total premiums and other revenues		188,302		176,540		11,762			388,733		374,625		14,108
Benefits, losses and expenses
Policyholder benefits		42,600		43,722		(1,122	)		83,295		82,967		328
Interest credited to policyholder’s account balances		85,460		76,956		8,504			183,779		186,899		(3,120	)
Commissions for acquiring and servicing policies		11,194		15,880		(4,686	)		21,587		29,771		(8,184	)
Other operating expenses		17,544		12,812		4,732			31,811		20,567		11,244
Change in deferred policy acquisition costs (1)		7,836		3,288		4,548			17,259		6,807		10,452
Total benefits and expenses		164,634		152,658		11,976			337,731		327,011		10,720
Income (loss) before other items and federal income taxes	$	23,668	$	23,882	$	(214	)	$	51,002	$	47,614	$	3,388

(1) A negative amount of net change indicates more expense was deferred than amortized and represents a decrease to expenses in the periods indicated.

Earnings increased during the year-to-date ended June 30, 2013 primarily due to increases in net investment income which outpaced the related change in interest credited to policyholders’ account balances. Earnings during the quarter remained relatively unchanged when comparing 2013 to 2012.

Premiums and other revenues

Annuity premium and deposit amounts received are shown below (in thousands):

	Three months ended June 30,							Six months ended June 30,
	2013		2012		Change			2013		2012		Change
Fixed deferred annuity	$	63,158	$	170,270	$	(107,112	)	$	128,152	$	333,517	$	(205,365	)
Single premium immediate annuity		56,032		57,915		(1,883	)		112,785		103,926		8,859
Equity-indexed deferred annuity		42,301		35,545		6,756			79,493		58,043		21,450
Variable deferred annuity		34,902		24,936		9,966			64,068		51,318		12,750
Total premium and deposits		196,393		288,666		(92,273	)		384,498		546,804		(162,306	)
Less: Policy deposits		162,768		253,943		(91,175	)		318,177		483,669		(165,492	)
Total earned premiums	$	33,625	$	34,723	$	(1,098	)	$	66,321	$	63,135	$	3,186

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We monitor account values and changes in those values as a key indicator of performance in our Annuity segment. Changes in account values are mainly the result of net inflows, surrenders, policy fees, interest credited and market value changes. Shown below are the changes in account values (in thousands):

	Six months ended June 30,
	2013			2012
Fixed deferred and equity-indexed annuity
Account value, beginning of period	$	9,803,197		$	9,824,416
Net inflows		136,213			252,601
Surrenders		(635,095	)		(397,144	)
Fees		(4,361	)		(4,347	)
Interest credited		180,614			184,652
Account value, end of period	$	9,480,568		$	9,860,178
Single premium immediate annuity
Reserve, beginning of period	$	1,075,638		$	978,722
Net inflows		34,452			32,979
Interest and mortality		19,517			21,071
Reserve, end of period	$	1,129,607		$	1,032,772
Variable deferred annuity
Account value, beginning of period	$	417,645		$	380,129
Net inflows		61,873			48,955
Surrenders		(60,070	)		(62,174	)
Fees		(2,573	)		(2,329	)
Change in market value and other		22,778			23,223
Account value, end of period	$	439,653		$	387,804

Fixed deferred annuity net inflows decreased during 2013 compared to 2012 primarily resulting from our management of these products to lower sales and to mitigate risks associated with investing in the persistently low interest rate environment.

An equity-indexed annuity allows a policyholder to participate in equity returns while also having certain downside protection from the guaranteed minimum returns defined in the product. Net inflows for this product increased during 2013 compared to 2012 primarily attributed to the current attractiveness of this product compared to fixed annuities.

Single premium immediate annuity (“SPIA”) net inflows increased during 2013 compared to 2012 driven primarily by customers entering the market for guaranteed monthly payouts on a portion of their retirement dollars.

Net investment income increased during the quarter and year-to-date ended June 30, 2013 compared to 2012 due to gains from equity options used to hedge risk relating to equity-indexed annuities.

Benefits, losses and expenses

Policyholder benefits consist of annuity payments and reserve increases for SPIA contracts, and are highly correlated to sales volume. Benefits decreased during the quarter ended June 30, 2013 and increased for the year-to-date ended June 30, 2013, compared to 2012, consistent with net inflows for the SPIA contracts during those periods.

Commissions decreased for 2013 compared to 2012 primarily due to reduced fixed deferred annuity production as well as decreases in commission rates on certain annuities.

Other operating expenses increased during 2013 compared to 2012 primarily due to increases in allocated share-based compensation costs and production bonuses. In addition, the year-to-date increase in other operating expenses includes the effect of the reduction in 2012 other operating expenses relating to final resolution of certain litigation being recorded as interest credited rather than operating expense.

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The change in DAC represents acquisition costs capitalized less the amortization of existing DAC, which is calculated in proportion to gross profits. The following shows the components of the change in DAC (in thousands):

	Three months ended June 30,									Six months ended June 30,
	2013			2012			Change			2013			2012			Change
Acquisition cost capitalized	$	12,667		$	19,049		$	(6,382	)	$	25,896		$	36,617		$	(10,721	)
Amortization of DAC		(20,503	)		(22,337	)		1,834			(43,155	)		(43,424	)		269
Change in DAC (1)	$	(7,836	)	$	(3,288	)	$	(4,548	)	$	(17,259	)	$	(6,807	)	$	(10,452	)

(1) A positive amount of net change indicates more expense was deferred than amortized and represents a decrease to expenses in the periods indicated.

The change in DAC increased expenses primarily due to less commissions being capitalized as a result of lower sales of new deferred annuity contracts.

An important measure of the Annuity segment is amortization of DAC as a percentage of gross profits. The amortization of DAC as a percentage of gross profits for the year-to-date ended June 30, 2013 and 2012 were 35.4% and 41.5%, respectively. The decrease in the ratio during 2013 was primarily driven by increased interest spreads.

Options and Derivatives

Shown below is the analysis of the impact to net investment income of the option return, along with the impact to interest credited of the equity-indexed annuity embedded derivative (in thousands):

	Three months ended June 30,								Six months ended June 30,
	2013		2012			Change			2013		2012		Change
Net investment income
Without option return	$	140,650	$	146,462		$	(5,812	)	$	280,828	$	293,198	$	(12,370	)
Option return		10,513		(8,002	)		18,515			34,380		11,499		22,881
Interest credited to policy account balances
Without embedded derivative		77,520		86,373			(8,853	)		155,420		177,831		(22,411	)
Equity-indexed annuity embedded derivative		7,940		(9,417	)		17,357			28,359		9,068		19,291

Net investment income without option return decreased during year-to-date ended June 30, 2013 primarily due to a decrease in account values of fixed deferred annuities. Interest credited to policyholders’ account balances without embedded derivative decreased during 2013 due to a decrease in crediting rates and certain non-recurring expenses relating to settled litigation benefitting contract holders being charged to interest credited during 2012. Without this charge, the decrease would have amounted to $16.4 million for the year-to-date ended June 30, 2013 compared to 2012.

The option return, as well as the related equity-indexed annuity embedded derivative, increased during 2013 compared to 2012 primarily as a result of a larger number of options held during 2013, in addition to the change in the S&P 500 Index during the respective periods. Option returns correlate to the 2.4% and 12.6% return of the S&P 500 Index during the quarter and year-to-date ended June 30, 2013, compared to (3.3)% and 8.3% for the same periods in 2012.

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Health

Health segment results for the periods indicated were as follows (in thousands):

	Three months ended June 30,							Six months ended June 30,
	2013		2012		Change			2013		2012		Change
Premiums and other revenues
Premiums	$	53,532	$	54,712	$	(1,180	)	$	106,261	$	111,766	$	(5,505	)
Net investment income		2,839		2,960		(121	)		5,704		5,934		(230	)
Other income		4,610		4,034		576			8,816		7,860		956
Total premiums and other revenues		60,981		61,706		(725	)		120,781		125,560		(4,779	)
Benefits, losses and expenses
Claims incurred		33,006		36,475		(3,469	)		71,974		81,150		(9,176	)
Commissions for acquiring and servicing policies		6,680		6,657		23			13,252		12,916		336
Other operating expenses		11,191		11,237		(46	)		24,588		23,055		1,533
Change in deferred policy acquisition costs (1)		424		1,077		(653	)		1,973		3,629		(1,656	)
Total benefits and expenses		51,301		55,446		(4,145	)		111,787		120,750		(8,963	)
Income (loss) before other items and federal income taxes	$	9,680	$	6,260	$	3,420		$	8,994	$	4,810	$	4,184

(1) A negative amount of net change indicates more expense was deferred than amortized and represents a decrease to expenses in the periods indicated.

Earnings increased during the quarter and year-to-date ended June 30, 2013 compared to the same periods in 2012 driven primarily by a decrease in claims incurred, partially offset by a decrease in premiums.

Premiums and other revenues

Health earned premiums for the periods indicated are as follows (in thousands, except percentages):

	Three months ended June 30,										Six months ended June 30,
	2013					2012					2013					2012
	dollars		percentage			dollars		percentage			dollars		percentage			dollars		percentage
Medicare Supplement	$	22,457		41.9	%	$	24,107		44.1	%	$	45,917		43.2	%	$	47,622		42.6	%
Medical expense		7,486		14.0			8,633		15.8			15,705		14.8			19,470		17.4
Group health		10,198		19.1			9,482		17.3			18,265		17.2			19,527		17.5
MGU		5,241		9.8			4,385		8.0			9,928		9.3			8,610		7.7
Credit accident and health		3,725		6.9			4,117		7.5			7,717		7.3			8,647		7.7
All other		4,425		8.3			3,988		7.3			8,729		8.2			7,890		7.1
Total	$	53,532		100.0	%	$	54,712		100.0	%	$	106,261		100.0	%	$	111,766		100.0	%

Earned premiums decreased during the quarter and year-to-date ended June 30, 2013 compared to the same periods in 2012 primarily resulting from the run-off of our closed block of medical expense insurance plans, which will continue decreasing. Also, decreases during the periods were noted in the Medicare Supplement line. These decreases were partially offset by the increase in MGU.

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Our in-force certificates or policies as of the dates indicated are as follows:

	June 30, 2013					December 31, 2012
	number		percentage			number		percentage
Medicare Supplement		40,002		6.4	%		41,562		6.7	%
Medical expense		5,126		0.8			5,745		0.9
Group health		20,978		3.4			19,868		3.2
MGU		220,265		35.2			197,050		31.6
Credit accident and health		235,175		37.6			253,710		40.7
All other		103,392		16.5			105,499		16.9
Total		624,938		100.0	%		623,434		100.0	%

Our total in-force policies increased during the year-to-date ended June 30, 2013 compared to year end 2012. Increases in the MGU line were partially offset by decreases in the credit accident and health, and other lines. The MGU line increased due to increased production by existing MGU’s, and the addition of new MGUs.

Benefits, losses and expenses

Claims incurred decreased during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily as the result of the continued decline in the closed medical expense block and a decrease in group claim submissions.

Other operating expenses increased during the year-to-date ended June 30, 2013 compared to 2012 due primarily to an accrual on the MGU line for an anticipated payment to a state insurance guaranty pool during the first quarter of 2013.

Change in Deferred Policy Acquisition Costs

The following table presents the components of the change in DAC (in thousands):

	Three months ended June 30,									Six months ended June 30,
	2013			2012			Change			2013			2012			Change
Acquisition cost capitalized	$	2,865		$	2,937		$	(72	)	$	5,440		$	5,471		$	(31	)
Amortization of DAC		(3,289	)		(4,014	)		725			(7,413	)		(9,100	)		1,687
Change in DAC(1)	$	(424	)	$	(1,077	)	$	653		$	(1,973	)	$	(3,629	)	$	1,656

(1) A positive amount of net change indicates more expense was deferred than amortized and represents a decrease to expenses in the periods indicated.

The amortization of DAC had a smaller impact during the quarter and year-to-date ended June 30, 2013 compared to the same periods in 2012 due to reduced amortization on the declining aggregate health block of business.

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Property and Casualty

Property and Casualty results for the periods indicated were as follows (in thousands, except percentages):

	Three months ended June 30,									Six months ended June 30,
	2013			2012			Change			2013			2012			Change
Premiums and other revenues
Net premiums written	$	282,543		$	278,777		$	3,766		$	550,760		$	560,026		$	(9,266	)
Net premiums earned	$	264,147		$	268,431		$	(4,284	)	$	529,836		$	541,600		$	(11,764	)
Net investment income		16,818			17,781			(963	)		33,118			35,480			(2,362	)
Other income		2,397			1,737			660			2,650			3,446			(796	)
Total premiums and other revenues		283,362			287,949			(4,587	)		565,604			580,526			(14,922	)
Benefits, losses and expenses
Claims incurred		208,639			244,966			(36,327	)		398,233			432,518			(34,285	)
Commissions for acquiring and servicing policies		45,110			47,949			(2,839	)		87,657			101,924			(14,267	)
Other operating expenses		32,883			29,396			3,487			63,764			59,095			4,669
Change in deferred policy acquisition costs (1)		1,075			2,047			(972	)		7,386			(1,163	)		8,549
Total benefits and expenses		287,707			324,358			(36,651	)		557,040			592,374			(35,334	)
Income (loss) before other items and federal income taxes	$	(4,345	)	$	(36,409	)	$	32,064		$	8,564		$	(11,848	)	$	20,412
Loss ratio		79.0	%		91.3	%		(12.3	)		75.2	%		79.9	%		(4.7	)
Underwriting expense ratio		29.9			29.6			0.3			30.0			29.5			0.5
Combined ratio		108.9	%		120.9	%		(12.0	)		105.2	%		109.4	%		(4.2	)
Impact of catastrophe events on combined ratio		16.7			24.2			(7.5	)		12.5			14.3			(1.8	)
Combined ratio without impact of catastrophe events		92.2	%		96.7	%		(4.5	)%		92.7	%		95.1	%		(2.4	)
Gross catastrophe losses	$	47,076		$	67,771		$	(20,695	)	$	73,873		$	81,741		$	(7,868	)
Net catastrophe losses		43,254			63,765			(20,511	)		64,942			77,002			(12,060	)

(1) A negative amount of net change indicates more expense was deferred than amortized and represents a decrease to expenses in the periods indicated.

Results improved during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily due to a significant decrease in claims incurred.

Premiums and other revenues

Net premiums written increased during the quarter ended June 30, 2013 compared to 2012 primarily due to increases in our homeowner, agribusiness and other commercial business. Net premiums written decreased during the year-to-date ended June 30, 2013 compared to 2012 primarily as a result of changes in credit-related property products. Net premiums earned decreased during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily due to decreases in premiums from our personal auto business.

Benefits, losses and expenses

Claims incurred decreased during the quarter and year-to-date ended June 30, 2013 compared to 2012 as a result of decreases in catastrophe losses as well as a decline in non-catastrophe weather-related losses due primarily to reduced loss frequency. These lower catastrophe losses, together with improved rate adequacy and improved claims frequency, caused the decrease in the loss ratio. The combined ratio, excluding net catastrophe, impact decreased due to improved rate adequacy and lower non-catastrophe weather-related losses.

Commissions decreased during 2013 compared to 2012 primarily due to a shift from commission to non-commission credit-related property products, which also have lower premiums.

The change in DAC during the year-to-date ended June 30, 2013 increased expenses compared to 2012 while its impact on expenses for the quarter remained relatively unchanged. The higher expense is attributable to capitalized costs on credit-related property products written in prior years being amortized while newer credit-related property products sold with lower revenue and without commissions resulted in lower cost being capitalized in the current period.

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For the quarter ended June 30, 2013, the net adverse prior year loss and claims and adjustment expenses (“CAE”) development was $3.1 million, compared to $9.4 million favorable development for the quarter ended June 30, 2012. This adverse development was primarily in our agribusiness and other commercial product lines, due to a slower release of prior year IBNR reserves than corresponding case activity. For the year-to-date ended June 30, 2013, the net favorable prior year loss and CAE development was $17.4 million, compared to $26.2 million favorable development for the year-to-date ended June 30, 2012. This favorable development is primarily in our personal auto lines, which are demonstrating favorable loss emergence compared to what was implied by our historical development patterns.

Products

Our Property and Casualty segment consists of: (i) Personal, which we market primarily to individuals, represents 59.4% of net premiums written, (ii) Commercial, which focuses primarily on agricultural and other commercial markets, represents 32.9% of net premiums written, and (iii) Credit-related property insurance products, which are marketed to and through financial institutions and retailers, represent 7.7% of net premiums written.

Personal Products

Personal products results for the periods indicated were as follows (in thousands, except percentages):

	Three months ended June 30,									Six months ended June 30,
	2013			2012			Change			2013			2012			Change
Net premiums written
Auto	$	100,390		$	103,672		$	(3,282	)	$	203,997		$	212,011		$	(8,014	)
Homeowner		57,435			54,903			2,532			104,146			100,165			3,981
Other Personal		9,651			9,282			369			19,156			18,647			509
Total net premiums written		167,476			167,857			(381	)		327,299			330,823			(3,524	)
Net premiums earned
Auto		100,824			105,585			(4,760	)		201,233			212,787			(11,553	)
Homeowner		49,890			49,974			(84	)		101,401			102,157			(756	)
Other Personal		8,970			8,723			247			17,872			17,665			207
Total net premiums earned	$	159,684		$	164,282		$	(4,597	)	$	320,506		$	332,609		$	(12,102	)
Loss ratio
Auto		75.4	%		82.5	%		(7.1	)		78.6	%		76.8	%		1.8
Homeowner		127.8			163.8			(36.0	)		105.6			122.9			(17.3	)
Other Personal		57.2			66.0			(8.8	)		52.0			50.2			1.8
Personal line loss ratio		90.8	%		106.3	%		(15.5	)		85.7	%		89.5	%		(3.8	)
Combined Ratio
Auto		98.0	%		104.0	%		(6.0	)		101.2	%		97.9	%		3.3
Homeowner		152.5			188.8			(36.3	)		130.2			147.3			(17.1	)
Other Personal		79.8			89.5			(9.7	)		74.5			73.3			1.2
Personal line combined ratio		114.0	%		129.0	%		(15.0	)		108.9	%		111.8	%		(2.9	)

Personal Automobile: Net premiums written and earned decreased in our personal automobile line during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily due to a decline in policies in-force. The loss and combined ratios decreased during the quarter ended June 30, 2013 compared to 2012 due to lower catastrophe losses and favorable prior year development.

Homeowners: Net premiums written increased during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily due to higher premium rates for policies sold in 2013. Net premiums earned remained relatively unchanged for the quarter and year-to-date ended June 30, 2013 compared to 2012. The loss and combined ratios decreased significantly during 2013 compared to 2012 due to a decline in catastrophe losses as well as decline in non-catastrophe weather-related losses and improved rate adequacy.

Other Personal: These products include watercraft, rental-owner and umbrella coverages for individuals seeking to protect their personal property and liability not covered within their homeowner and auto policies. Net premiums written and earned remained substantially unchanged during 2013 compared to 2012. Premiums for these products generally trend with the homeowners and personal automobile lines as policies are typically sold in conjunction with one another.

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Commercial Products

Commercial products results for the periods indicated were as follows (in thousands, except percentages):

	Three months ended June 30,									Six months ended June 30,
	2013			2012			Change			2013			2012			Change
Net premiums written
Other Commercial	$	40,728		$	39,105		$	1,623		$	78,321		$	76,080		$	2,241
Agribusiness		29,977			28,143			1,834			55,679			52,623			3,056
Auto		23,239			23,186			53			47,164			47,576			(412	)
Total net premiums written		93,944			90,434			3,510			181,164			176,279			4,885
Net premiums earned
Other Commercial		31,443			30,946			497			62,232			61,211			1,021
Agribusiness		27,193			26,139			1,054			53,686			52,219			1,467
Auto		19,363			20,029			(666	)		38,545			39,853			(1,308	)
Total net premiums earned	$	77,999		$	77,114		$	885		$	154,463		$	153,283		$	1,180
Loss ratio
Other Commercial		84.7	%		75.2	%		9.5			66.9	%		82.5	%		(15.6	)
Agribusiness		62.0			120.6			(58.6	)		79.2			93.2			(14.0	)
Auto		72.5			54.4			18.1			71.5			62.5			9.0
Commercial line loss ratio		73.7	%		85.2	%		(11.5	)		72.3	%		81.0	%		(8.7	)
Combined ratio
Other Commercial		113.7	%		103.9	%		9.8			96.0	%		111.4	%		(15.4	)
Agribusiness		100.1			157.9			(57.8	)		115.8			129.3			(13.5	)
Auto		96.9			77.0			19.9			96.0			86.0			10.0
Commercial line combined ratio		104.8	%		115.2	%		(10.4	)		102.9	%		110.9	%		(8.0	)

Other Commercial: Net premiums written and earned increased during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily due to an increase in workers’ compensation premiums. The loss and combined ratios increased during the quarter ended June 30, 2013 compared to 2012 primarily due to prior year workers’ compensation claims development. The loss and combined ratios decreased during the year-to-date ended June 30, 2013 compared to 2012 primarily due to the frequency and severity of workers’ compensation claims during the period.

Agribusiness Product: Our agribusiness product allows policyholders to customize and cover their agriculture exposure using a package policy which includes coverage for residences and household contents, farm buildings and building contents, personal and commercial liability and personal property. Net premiums written and earned increased during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily as a result of increased business in several states in the northeast. The loss and combined ratios decreased during the quarter ended June 30, 2013 compared to 2012, primarily due to a combination of rate and underwriting actions.

Commercial Auto: Net premiums written and earned remained relatively unchanged during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily as a result of lower new business writings in our small commercial business as well as improved selective underwritings.

Credit-related property products

Credit-related property products results for the periods indicated were as follows (in thousands, except percentages):

	Three months ended June 30,									Six months ended June 30,
	2013			2012			Change			2013			2012			Change
Net premiums written	$	21,123		$	20,486		$	637		$	42,297		$	52,924		$	(10,627	)
Net premiums earned		26,464			27,035			(571	)		54,867			55,708			(841	)
Loss ratio		23.5	%		17.1	%		6.4	%		21.8	%		19.0	%		2.8	%
Combined ratio		75.6	%		79.2	%		(3.6	)%		87.1	%		88.1	%		(1.0	)%

Credit-related property products are offered on automobiles, furniture and appliances in connection with the financing of those items. These policies pay an amount if the insured property is lost or damaged and the amount paid is not directly related to an event affecting the consumer’s ability to pay the debt. The primary distribution channel for credit-related property insurance is general agents who market to sellers of covered products and financial institutions.

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Net premiums written and earned remained relatively unchanged for the quarter ended June 30, 2013 compared to 2012. Net premiums written decreased during the year-to-date ended June 30, 2013 compared to 2012 as sales and premiums shifted from Guaranteed Auto Protection (“GAP”) Insurance to GAP Waiver, a lower premium debt protection product. Net premiums earned remained relatively unchanged for the year-to-date ended June 30, 2013.

Corporate and Other

Corporate and Other segment results for the periods indicated were as follows (in thousands):

	Three months ended June 30,							Six months ended June 30,
	2013		2012		Change			2013		2012		Change
Premiums and other revenues
Net investment income	$	16,728	$	21,982	$	(5,254	)	$	27,935	$	31,863	$	(3,928	)
Realized investment gains, net of OTTI		43,536		4,878		38,658			60,487		11,849		48,638
Other income		2,571		1,315		1,256			4,516		1,864		2,652
Total premiums and other revenues		62,835		28,175		34,660			92,938		45,576		47,362
Benefits, losses and expenses
Commissions		188		—		188			210		—		210
Other operating expenses		15,851		22,526		(6,675	)		29,345		30,954		(1,609	)
Total benefits and expenses		16,039		22,526		(6,487	)		29,555		30,954		(1,399	)
Income (loss) before other items and federal income taxes	$	46,796	$	5,649	$	41,147		$	63,383	$	14,622	$	48,761

Earnings increased during the quarter and year-to-date ended June 30, 2013 compared to 2012 primarily due to increases in realized gains, driven by sales of investment real estate properties in addition to an increase on gains from sales of equity securities.

Investments

We manage our investment portfolio to optimize the rate of return commensurate with sound and prudent asset selection and to maintain a well-diversified portfolio. Our investment operations are regulated by the state insurance departments where we or our insurance subsidiaries are domiciled. Investment activities, including the setting of investment policies and defining an acceptable risk appetite, are subject to review and approval by our Board of Directors, which is assisted by our Finance Committee and Management Risk Committee.

Our insurance and annuity products are primarily supported by investment-grade bonds, and to a lesser extent collateralized mortgage obligations and commercial mortgage loans. We purchase fixed maturity securities and designate them as either held-to-maturity or available-for-sale considering our estimated future cash flow needs. We also monitor the composition of our fixed maturity securities classified as held-to-maturity and available-for-sale and adjust the mix within the portfolio as investments mature or new investments are purchased.

We invest in commercial mortgage loans when the yield and credit risk compare favorably with fixed maturity securities. Individual residential mortgage loans have not been part of our investment portfolio, and we do not anticipate investing in them in the future. We invest in real estate and equity securities based on a risk and reward analysis where we believe there are opportunities for enhanced returns.

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Composition of Invested Assets

The following summarizes the carrying values of our invested assets (other than investments in unconsolidated affiliates) by asset class (in thousands, except percentages):

	June 30, 2013				December 31, 2012
	Amount		Percent		Amount		Percent
Bonds held-to-maturity, at amortized cost	$	8,941,077		46.7	$	9,009,282		46.8
Bonds available-for-sale, at fair value		4,559,914		23.8		4,665,576		24.3
Equity securities, at fair value		1,228,603		6.4		1,075,439		5.6
Mortgage loans on real estate, net of allowance		3,240,456		17.0		3,143,011		16.2
Policy loans		393,272		2.1		395,333		2.1
Investment real estate, net of accumulated depreciation		437,748		2.3		511,233		2.7
Short-term investments		171,785		0.9		313,086		1.6
Other invested assets		156,837		0.8		125,104		0.7
Total investments	$	19,129,692		100.0	$	19,238,064		100.0

The decrease in our total investments as of June 30, 2013 as compared to December 31, 2012 was primarily a result of decreases in bonds, short-term investments and investment real estate, which were offset by increases in equity securities and mortgage loans. The decrease in bonds was primarily due to fair value decreases in corporate debt securities, while the decrease in investment real estate was due to disposition of certain real estate properties. The increase in equity securities is primarily attributed to a 12.6% increase in the S&P 500 year-to-date. The decrease in short-term investments is attributed to the exchange of short-term investment into long-term investments.

Each component of our invested assets and its related revenues are described further in the Notes to the Unaudited Consolidated Financial Statements. Additionally, Note 2, Summary of Significant Accounting Policies and Practices, of the Notes to the Consolidated Financial Statements within our Annual Report on Form 10-K for the year ended December 31, 2012 filed with the SEC on March 8, 2013 contains a detailed description of the Company’s methodology for evaluating other-than-temporary impairment losses on its investments.

Bonds—We allocate most of our fixed maturity securities to support our insurance business. At June 30, 2013, our fixed maturity securities had an estimated fair market value of $13.9 billion, which was $0.6 billion, or 4.9%, above amortized cost. At December 31, 2012, our fixed maturity securities had an estimated fair value of $14.5 billion, which was $1.2 billion, or 8.9%, above amortized cost.

Fixed maturity securities’ estimated fair value, due in one year or less, decreased to $1.5 billion as of June 30, 2013 from $1.7 billion as of December 31, 2012, primarily as a result of long-term bonds maturing during the period.

The following table identifies the total bonds by credit quality rating, using both Standard & Poor’s and Moody’s ratings (in thousands, except percentages):

	June 30, 2013						December 31, 2012
	Amortized		Estimated		% of Fair		Amortized		Estimated		% of Fair
	Cost		Fair Value		Value		Cost		Fair Value		Value
AAA	$	660,401	$	700,364		5.0	$	731,004	$	796,658		5.5
AA		1,437,313		1,490,967		10.7		1,412,669		1,536,119		10.6
A		5,446,019		5,722,214		41.0		5,044,344		5,549,050		38.2
BBB		5,254,457		5,500,380		39.4		5,538,870		6,004,743		41.4
BB and below		503,488		534,962		3.9		598,862		619,757		4.3
Total	$	13,301,678	$	13,948,887		100.0	$	13,325,749	$	14,506,327		100.0

We expect the exposure to below investment grade securities to decrease as these bonds approach maturity. We do not own direct investments in sovereign debt issued by Greece, Ireland, Italy, Portugal or Spain.

43

Equity Securities—Our equity portfolio consists of companies publicly traded on U.S. national stock exchanges; the cost and estimated value of the equity securities are as follows (in thousands):

	June 30, 2013
			Unrealized		Unrealized					% of Fair
	Cost		Gains		Losses			Fair Value		Value
Common stock	$	696,900	$	497,164	$	(8,419	)	$	1,185,645		96.5
Preferred stock		27,690		15,361		(93	)		42,958		3.5
Total	$	724,590	$	512,525	$	(8,512	)	$	1,228,603		100.0
	December 31, 2012
			Unrealized		Unrealized					% of Fair
	Cost		Gains		Losses			Fair Value		Value
Common stock	$	660,889	$	383,634	$	(6,739	)	$	1,037,784		96.5
Preferred stock		27,690		9,995		(30	)		37,655		3.5
Total	$	688,579	$	393,629	$	(6,769	)	$	1,075,439		100.0

Mortgage Loans—We invest in commercial mortgage loans that are diversified by property-type and geography to support our insurance business. Generally, mortgage loans are secured by first liens on income-producing real estate with a loan-to-value ratio of up to 75%. Mortgage loans held-for-investment are carried at outstanding principal balances, adjusted for any unamortized premium or discount, deferred fees or expenses, and net of allowances. The weighted average coupon yields on the principal funded for mortgage loans were 5.0% and 5.5% at June 30, 2013 and December 31, 2012, respectively. It is likely that the weighted average coupon yield on funded mortgage loans will decline as loans mature and new loans are originated with lower rates in the current interest rate environment.

Policy Loans—For certain life insurance products, policyholders may borrow funds using the policy’s cash value as collateral. The maximum amount of the policy loan depends upon the policy’s surrender value and the number of years since policy origination. As of June 30, 2013, we had $393.3 million in policy loans with a loan to surrender value of 58.8%, and at December 31, 2012, we had $395.3 million in policy loans with a loan to surrender value of 59.5%. Interest rates on policy loans primarily range from 3.0% to 12.0% per annum. Policy loans may be repaid at any time by the policyholder and have priority to any claims on the policy. If the policyholder fails to repay the policy loan, funds are withdrawn from the policy’s benefits.

Investment Real Estate—We invest in commercial real estate with positive cash flows or where appreciation in value is expected. Real estate may be owned directly by our insurance companies, non-insurance affiliates or joint ventures. The carrying value of real estate is stated at cost, less accumulated depreciation and valuation allowances, if any. Depreciation is provided over the estimated useful lives of the properties.

Short-Term Investments—Short-term investments are primarily commercial paper rated at least A2/P2 by Standard & Poor’s and Moody’s, respectively. The amount fluctuates depending on the available long-term investment opportunities and our liquidity needs, including mortgage investment-funding commitments.

Net Investment Income and Realized Gains (Losses)

Net investment income during the quarter and year-to-date ended June 30, 2013 increased $6.2 million and $1.9 million, respectively, compared to the same periods during 2012. The increase was due primarily to the $18.6 million and $23.3 million increases in option income during the quarter and year-to-date, respectively, resulting from increases in the underlying equity markets index. These increases were partially offset by decreases in net investment income from bonds and real estate. Net investment income from bonds decreased as a result of bonds with lower interest yields making up a larger percentage of our portfolio as older bonds purchased when interest rates were higher matured. Net investment income from real estate decreased due primarily to the disposal of income producing real estate properties.

Interest income on mortgage loans is accrued on the principal amount of the loan based on the contractual interest rate. Accretion of discounts is recorded using the effective yield method. Interest income, accretion of discounts and prepayment fees are reported in net investment income. Interest is not accrued on loans generally more than 90 days past due or when the collection of interest is not considered probable. Loans in foreclosure are placed on non-accrual status. Interest received on non-accrual status mortgage loans is included in net investment income in the period received.

44

Realized gains for the quarter and year-to-date ended June 30, 2013 increased $35.0 million and $43.7 million, respectively, as compared to the same periods 2012, primarily as a result of realized gains on sales of investment real estate and equity securities.

Net Unrealized Gains and Losses

The net unrealized gains on available-for-sale securities at June 30, 2013 and December 31, 2012 were $703.3 and $736.0 million, respectively; a net decrease of $32.7 million for the year-to-date ended June 30, 2013. Unrealized gains or losses on available-for-sale securities have no impact on earnings. Rather, they are recognized as other comprehensive income or loss, which directly impacts equity. The gross unrealized gains of available-for-sale securities increased $8.2 million to $765.5 million for the year-to-date ended June 30, 2013 primarily resulting from increases in equity securities. The gross unrealized losses of available-for-sale securities increased to $62.2 million from $21.4 million. The $40.8 million increase in gross unrealized losses during the year-to-date ended June 30, 2013 primarily resulted from corporate debt securities.

The gross unrealized gains on held-to-maturity securities decreased $299.7 million to $539.8 million during the year-to-date ended June 30, 2013 primarily related to corporate debt securities. The gross unrealized losses on held-to-maturity securities increased $83.9 million to $91.9 million during 2013 primarily related to corporate debt securities.

The fair value of our investment securities is affected by fixed maturity securities approaching maturity and for all investments by various factors, including volatility of financial markets, changes in interest rates and fluctuations in credit spread. We have the ability and intent to hold those securities in unrealized loss positions until a market price recovery or maturity. Further, it is unlikely that we will be required to sell them prior to recovery, and recovery is expected in a reasonable period of time.

Liquidity

Our liquidity requirements have been and are expected to continue to be met by funds from operations, comprised of premiums received from our customers and investment income. The primary use of cash has been and is expected to continue to be payment of policyholder benefits and claims incurred. Current and expected patterns of claim frequency and severity may change from period to period but continue to be within historical norms. Management considers our current liquidity position to be sufficient to meet anticipated demands over the next twelve months. Our contractual obligations are not expected to have a significant negative impact to cash flow from operations.

Current continued low-interest rate environments are expected to curtail our appetite to sell the volume of annuity contracts we sold in previous years and to require us to consider higher than historical contributions to our defined benefit plans covering our employees. There are no other known trends or uncertainties regarding product pricing, changes in product lines or rising costs, that would have a significant impact to cash flows from operations. Additionally, we have paid dividends to stockholders for over 100 consecutive years and expect to continue this trend. No unusually large capital expenditures are expected in the next 12-24 months.

The funds received as premium payments and deposits are invested in bonds and commercial mortgages. Funds are invested with the intent that income from the investments and proceeds from the maturities will meet our ongoing cash flow needs. Historically we have not had to liquidate invested assets in order to cover cash flow needs. Additionally, our portfolio of highly liquid available-for-sale investment securities are available to meet future liquidity needs as necessary.

Our cash, cash equivalents and short-term investment position was $285.7 million and $616.1 million at June 30, 2013 and December 31, 2012, respectively. The $330.4 million decrease relates primarily to increased opportunity in long-term investments during the quarter.

A downgrade or a potential downgrade in our financial strength ratings could result in a loss of business and could adversely affect our cash flow from operations. Further information regarding additional sources or uses of cash is described in Note 16, Commitments and Contingencies, of the Notes to the Unaudited Consolidated Financial Statements.

45

Capital Resources

Our capital resources are summarized below (in thousands):

	June 30,		December 31,
	2013		2012
American National stockholders’ equity, excluding accumulated other comprehensive income (loss), net of tax (“AOCI”)	$	3,666,631	$	3,585,826
AOCI		252,997		242,010
Total American National stockholders’ equity	$	3,919,628	$	3,827,836

We have notes payable that are not part of our capital resources relating to amounts borrowed by real estate joint ventures that we consolidate into our financial statements. The lenders for the notes payable have no recourse against us in the event of default by the joint ventures. Therefore, the only amount of liability we have for these notes payable is limited to our investment in the respective ventures, which totaled $12.7 million and $18.1 million at June 30, 2013 and December 31, 2012, respectively.

The changes in our capital resources are summarized below (in thousands):

	Six months ended
	June 30, 2013
Net income	$	118,140
Increase (decrease) in unrealized gains		4,822
Minimum pension liability adjustment		5,751
Dividends to shareholders		(41,418	)
Other		4,497
Total	$	91,792

Statutory Capital and Surplus and Risk-based Capital

Statutory capital and surplus is the capital of our insurance companies reported in accordance with accounting practices prescribed or permitted by the applicable state insurance departments. Risk-based capital (“RBC”) is a standard calculation using formulas and instructions from the National Association of Insurance Commissioners (“NAIC”). State laws specify regulatory actions if an insurer’s ratio of statutory capital and surplus to RBC falls below certain levels. The RBC formula for life insurance companies establishes capital requirements for asset, interest rate, market, insurance and business risks. The RBC formula for property and casualty insurance companies establishes capital requirements for asset and underwriting risks including reserve risk.

The achievement of long-term growth will require growth in American National Insurance Company’s statutory capital and surplus. Our subsidiaries may obtain additional statutory capital through various sources, such as retained statutory earnings or equity contributions from us. As of December 31, 2012, the levels of our and our insurance subsidiaries’ capital and surplus exceeded the minimum RBC requirements.

Contractual Obligations

Our future cash payments associated with claims and claims adjustment expenses, life, annuity and disability obligations, contractual obligations pursuant to operating leases for office space and equipment, and notes payable have not materially changed since December 31, 2012. We expect to have the capacity to pay our obligations as they come due.

46

Off-Balance Sheet Arrangements

We have off-balance sheet arrangements relating to third-party marketing operation bank loans discussed in Note 16, Commitments and Contingencies, of the Notes to the Unaudited Consolidated Financial Statements. We could be exposed to a liability for these loans, which are supported by the cash value of the underlying insurance contracts. The cash value of the life insurance policies is designed to always equal or exceed the balance of the loans. Accordingly, management does not foresee any loss related to these arrangements.

Related-Party Transactions

We have various agency, consulting and service arrangements with individuals and entities considered to be related parties. Each of these arrangements has been reviewed and approved by our Audit Committee, which retains final decision-making authority for these transactions. The total amount involved in these arrangements, both individually and in the aggregate, is not material to any segment or to our overall operations. For additional details see Note 17, Related Party Transactions, of the Notes to the Unaudited Consolidated Financial Statements in Item 1.

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Our market risks have not changed materially from those disclosed in our 2012 Annual Report on Form 10-K filed with the SEC on March 8, 2013.

ITEM 4. CONTROLS AND PROCEDURES

The Company maintains disclosure controls and procedures (as that term is defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (Exchange Act)) that are designed to ensure that information required to be disclosed in the Company’s reports under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission’s rules and forms, and that such information is accumulated and communicated to the Company’s management, including its Chief Executive Officer and Corporate Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosures.

Any controls and procedures, no matter how well designed and operated, can provide only reasonable assurance of achieving the desired control objectives. The Company’s management, with the participation of the Company’s Chief Executive Officer and Corporate Chief Financial Officer, has evaluated the effectiveness of the design and operation of the Company’s disclosure controls and procedures as of June 30, 2013. Based upon that evaluation and subject to the foregoing, the Company’s Chief Executive Officer and Corporate Chief Financial Officer concluded that, as of June 30, 2013, the design and operation of the Company’s disclosure controls and procedures were effective to accomplish their objectives at the reasonable assurance level.

Management has monitored the internal controls over financial reporting, including any material changes to the internal control over financial reporting. There were no changes in the Company’s internal control over financial reporting (as that term is defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) that occurred during the year-to-date ended June 30, 2013 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

47

PART II – OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

Information required for Item 1 is incorporated by reference to the discussion under the heading “Litigation” in Note 16, Commitments and Contingencies, of the Notes to the Unaudited Consolidated Financial Statements.

ITEM 1A. RISK FACTORS

There have been no material changes with respect to the risk factors as previously disclosed in our 2012 Annual Report on Form 10-K filed with the SEC on March 8, 2013.

ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

None.

ITEM 3. DEFAULTS UPON SENIOR SECURITIES

None.

ITEM 4. MINE SAFETY DISCLOSURES

Not Applicable.

ITEM 5. OTHER INFORMATION

None.

48

ITEM 6. EXHIBITS

Exhibit Number	Basic Documents
3.1	Restated Articles of Incorporation, as amended (incorporated by reference to Exhibit No. 3.1 to the registrant’s Registration Statement on Form 10-12B filed April 10, 2009).
3.2	Amended and Restated Bylaws (incorporated by reference to Exhibit No. 3.2 to the registrant’s Current Report on Form 8-K filed May 2, 2012).
31.1	Certification of the principal executive officer pursuant to Section 302 of the Sarbanes- Oxley Act of 2002 (filed herewith).
31.2	Certification of the principal financial officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (filed herewith).
32.1	Certification of the principal executive officer and principal financial officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (filed herewith).
101	The following unaudited financial information from American National Insurance Company’s Quarterly Report on Form 10-Q for three and six months ended June 30, 2013 formatted in eXtensible Business Reporting Language (“XBRL”): (i) Consolidated Statements of Financial Position, (ii) Consolidated Statements of Operations, (iii) Consolidated Statements of Comprehensive Income (Loss), (iv) Consolidated Statements of Changes in Stockholders’ Equity, (v) Consolidated Statements of Cash Flows, and (vi) Notes to the Unaudited Consolidated Financial Statements.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

By:	/s/ Robert L. Moody
	Name: Robert L. Moody
	Title: Chairman of the Board,
		Chief Executive Officer
By:	/s/ John J. Dunn, Jr.
	Name: John J. Dunn, Jr.,
	Title: Executive Vice President,
		Corporate Chief Financial Officer

Date: August 6, 2013

49

EX-31.1

Exhibit 31.1

CERTIFICATION

I, Robert L. Moody, certify that:

1. I have reviewed this Quarterly Report on Form 10-Q of American National Insurance Company;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the consolidated financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of consolidated financial statements for external purposes in accordance with the generally accepted accounting principles;

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal controls over financial reporting.

/s/ Robert L. Moody

Robert L. Moody,

Chairman of the Board,

Chief Executive Officer

(Principal Executive Officer)

Date: August 6, 2013

EX-31.2

Exhibit 31.2

CERTIFICATION

I, John J. Dunn, Jr., certify that:

1. I have reviewed this Quarterly Report on Form 10-Q of American National Insurance Company;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the consolidated financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of consolidated financial statements for external purposes in accordance with the generally accepted accounting principles;

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal controls over financial reporting.

/s/ John J. Dunn, Jr.

John J. Dunn, Jr.,

Executive Vice President,

Corporate Chief Financial Officer

(Principal Financial Officer)

Date: August 6, 2013

EX-32.1

Exhibit 32.1

SECTION 906 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350

OF PRINCIPAL EXECUTIVE OFFICER AND PRINCIPAL FINANCIAL OFFICER

AMERICAN NATIONAL INSURANCE COMPANY

In connection with the Quarterly Report of American National Insurance Company (the “Company”) on Form 10-Q for the quarter ended June 30, 2013, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), We, Robert L. Moody, Chief Executive Officer of the Company and John J. Dunn, Jr., Corporate Chief Financial Officer of the Company certify, pursuant to 18 U.S.C. § 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to our knowledge:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Robert L. Moody

Robert L. Moody

Chairman of the Board,

Chief Executive Officer

(Principal Executive Officer)

/s/ John J. Dunn, Jr.

John J. Dunn, Jr.

Executive Vice President,

Corporate Chief Financial Officer

(Principal Financial Officer)

Dated: August 6, 2013

This certification is being furnished as an exhibit to the Report pursuant to Item 601(b)(32) of Regulation S-K and Section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) and, accordingly, will not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section. This certification will not be incorporated by reference into any filing under the Securities Act or the Exchange Act, except to the extent that the Company specifically incorporates it by reference.

XML

Related Party Transactions - Additional Information (Detail)	6 Months Ended
	Jun. 30, 2013
Related Party Transactions [Abstract]
Interest rate on mortgage loans	7.30%
Due date of mortgage loans receivable	Apr. 01, 2019

XML

Accumulated Other Comprehensive Income (Loss) - Components of Other Comprehensive Income (Loss) (Parenthetical) (Detail) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Investments Debt And Equity Securities [Abstract]
Unrealized holding gains (losses) arising during the period, tax expense (benefit)	$ (3,628)	$ 43,724
Unrealized adjustment to deferred policy acquisition costs, tax benefit (expense)	(14,822)	7,602
Unrealized (gains) losses on investments attributable to participating policyholders' interest, tax benefit (expense)	(87)	1,546
Foreign currency adjustment, tax expense	223	178
Amounts reclassified from AOCI, tax benefit	7,902	2,297
Amounts reclassified from AOCI, tax expense	$ 3,097	$ 2,581

XML

Stockholders' Equity and Noncontrolling Interests - Common Stock, Amounts Outstanding (Detail)	Jun. 30, 2013	Dec. 31, 2012
Stockholders Equity Note [Abstract]
Shares issued	30,832,449	30,832,449
Treasury shares	(3,938,905)	(3,995,785)
Outstanding shares	26,893,544	26,836,664
Restricted shares	(195,334)	(185,334)
Unrestricted outstanding shares	26,698,210	26,651,330

XML

Deferred Policy Acquisition Costs

6 Months Ended

Jun. 30, 2013

Insurance [Abstract]

Deferred Policy Acquisition Costs

10. DEFERRED POLICY ACQUISITION COSTS

Deferred policy acquisition costs and premiums are shown below (in thousands): 

							Accident			Property &
	Life			Annuity			& Health			Casualty			Total
Beginning balance 2013	$	653,416		$	406,540		$	49,206		$	138,513		$	1,247,675
Additions		49,227			25,896			5,440			103,960			184,523
Amortization		(34,912	)		(43,155	)		(7,413	)		(111,346	)		(196,826	)
Effect of change in unrealized gains on available-for-sale securities		4,732			35,864			—			—			40,596
Net change		19,047			18,605			(1,973	)		(7,386	)		28,293
Ending balance at June 30, 2013	$	672,463		$	425,145		$	47,233		$	131,127		$	1,275,968

Commissions comprise the majority of the additions to deferred policy acquisition costs for each year.

XML

Mortgage Loans - Change in Allowance for Credit Losses in Commercial Mortgage Loans (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Financing Receivable Allowance For Credit Losses [Roll Forward]
Allowance for credit losses, Collectively Evaluated for Impairment, Beginning Balance	$ 11,231	$ 9,640	$ 11,519	$ 10,828
Write down, Collectively Evaluated for Impairment		0		0
Change in allowance, Collectively Evaluated for Impairment	788	2,233	500	1,045
Allowance for credit losses, Collectively Evaluated for Impairment, Ending Balance	12,019	11,873	12,019	11,873
Allowance for credit losses, Individually Evaluated for Impairment, Beginning balance	493	493	493	493
Write down, Individually Evaluated for Impairment		(2,277)		(2,277)
Change in allowance, Individually Evaluated for Impairment	1,169	2,277	1,169	2,277
Allowance for credit losses, Individually Evaluated for Impairment, Ending balance	$ 1,662	$ 493	$ 1,662	$ 493

XML

Consolidated Statements of Operations (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Premiums
Life	$ 71,546	$ 70,699	$ 140,201	$ 137,150
Annuity	33,625	34,723	66,321	63,135
Accident and health	53,532	54,712	106,261	111,766
Property and casualty	264,147	268,431	529,836	541,600
Other policy revenues	49,937	49,016	99,935	97,063
Net investment income	246,786	240,563	498,152	496,259
Realized investment gains (losses)	45,140	10,139	63,678	19,947
Other-than-temporary impairments	(1,604)	(5,261)	(3,191)	(8,098)
Other income	10,551	7,940	17,512	14,815
Total premiums and other revenues	773,660	730,962	1,518,705	1,473,637
Policyholder benefits
Life	81,573	76,799	163,075	160,622
Annuity	42,600	43,722	83,295	82,967
Claims incurred
Accident and health	33,006	36,475	71,974	81,150
Property and casualty	208,639	244,966	398,233	432,518
Interest credited to policyholders' account balances	99,770	91,019	210,876	215,883
Commissions for acquiring and servicing policies	93,733	95,528	178,856	191,042
Other operating expenses	129,160	120,151	253,735	222,144
Change in deferred policy acquisition costs	969	3,662	12,303	5,300
Total benefits, losses and expenses	689,450	712,322	1,372,347	1,391,626
Income (loss) before federal income tax and equity in earnings/losses of unconsolidated affiliates	84,210	18,640	146,358	82,011
Less: Provision (benefit) for federal income taxes
Current	22,415	16,197	27,379	23,484
Deferred	2,388	(18,581)	8,741	(8,885)
Effective tax, Amount	24,803	(2,384)	36,120	14,599
Equity in earnings (losses) of unconsolidated affiliates, net of tax	1,076	314	9,653	(1,567)
Net income (loss)	60,483	21,338	119,891	65,845
Less: Net income (loss) attributable to noncontrolling interest, net of tax	2,314	832	1,751	123
Net income (loss) attributable to American National Insurance Company	$ 58,169	$ 20,506	$ 118,140	$ 65,722
Earnings per share
Basic	$ 2.17	$ 0.77	$ 4.41	$ 2.46
Diluted	$ 2.16	$ 0.76	$ 4.39	$ 2.45
Cash dividends to common stockholders	$ 0.77	$ 0.77	$ 1.54	$ 1.54
Weighted average common shares outstanding	26,779,969	26,685,128	26,777,029	26,675,405
Weighted average common shares outstanding and dilutive potential common shares	26,901,347	26,854,595	26,894,798	26,848,258

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Recently Issued Accounting Pronouncements

6 Months Ended

Jun. 30, 2013

Accounting Changes And Error Corrections [Abstract]

Recently Issued Accounting Pronouncements

3. RECENTLY ISSUED ACCOUNTING PRONOUNCEMENTS

Adoption of New Accounting Standards—The Financial Accounting Standards Board (“FASB”) issued the following accounting guidance relevant to American National, including technical amendments and corrections to make the accounting standards easier to understand and fair value measurement easier to apply. Each became effective for American National on January 1, 2013, and unless stated otherwise, did not have a material effect on the consolidated financial statements:

Amended guidance for derecognition of an in substance real estate subsidiary. The amendment clarifies that when a reporting entity ceases to have a controlling financial interest in a subsidiary that is in substance real estate because of a default on the subsidiary’s nonrecourse debt secured by the real estate, the reporting entity should apply the guidance for real estate sales when evaluating the subsidiary for deconsolidation.

Guidance that amends the disclosures about offsetting assets and liabilities. The new guidance requires disclosures of both gross and net information about offsetting and related arrangements. Subsequently, amendments were issued to clarify the scope of this guidance covering only those derivatives that are either offsets in accordance with the right of setoff conditions, the balance sheet netting criteria or subject to an enforceable master netting arrangement or similar agreement.

Amended guidance on presentation of accumulated other comprehensive income (“AOCI”). The amendments require disclosures about the amounts reclassified out of AOCI by component. In addition, an entity is required to present, either on the face of the statement of operations or in the notes, significant amounts reclassified out of AOCI by the respective line items of net income but only if the amount reclassified is required under GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under GAAP that provide additional detail about those amounts.

Future Adoption of New Accounting Standards—The FASB issued the following significant accounting guidance relevant to American National. Each will become effective for American National on January 1, 2014 and unless stated otherwise, is not expected to have a material effect on the consolidated financial statements:

Guidance addressing questions on the recognition and classification of fees mandated by the Patient Protection and Affordable Care Act on the health insures’ financial statements. The guidance specifies that the liability for the fee should be recorded in full once the entity provides qualifying health insurance in the applicable calendar year. The corresponding deferred cost is then amortized to expense using a straight-line method of allocation unless another method better allocates the fee over the calendar year that it is payable.

Amended guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of the guidance is fixed at the reporting date, except for obligations addressed within existing GAAP guidance.

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Related Party Transactions

6 Months Ended

Jun. 30, 2013

Related Party Transactions [Abstract]

Related Party Transactions

17. RELATED PARTY TRANSACTIONS

American National has entered into recurring transactions and agreements with certain related parties. These include mortgage loans, management contracts, agency commission contracts, marketing agreements, accident and health insurance contracts and legal services. The impact on the consolidated financial statements of the significant related party transactions for the periods indicated is shown below (in thousands):

		Dollar Amount of Transactions				Amount due to/(from) American National
		Six months ended June 30,				June 30,			December 31,
Related Party	Financial Statement Line Impacted	2013		2012		2013			2012
Gal-Tex Hotel Corporation	Mortgage loan on real estate	$	564	$	264	$	8,326		$	8,890
Gal-Tex Hotel Corporation	Net investment income		314		174		50			54
Greer, Herz and Adams, LLP	Other operating expenses		4,872		3,760		(524	)		(268	)

Mortgage Loans to Gal-Tex Hotel Corporation (“Gal-Tex”): American National held a first mortgage loan issued to Gal-Tex collateralized by hotel property in San Antonio, Texas. This loan was originated in 1999, has a current interest rate of 7.30%, and has a final maturity date of April 1, 2019. This loan is current as to principal and interest payments.

Transactions with Greer, Herz & Adams, L.L.P.: Irwin M. Herz, Jr. is an American National advisory director and a Partner with Greer, Herz Adams, L.L.P., which serves as American National’s General Counsel.

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Fair Value of Financial Instruments - Quantitative Disclosures Regarding Fair Value Hierarchy Measurements (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	$ 9,388,973	$ 9,840,751
Separate account assets, fair value disclosure	885,773	841,389
Separate account liabilities, fair value disclosure	885,773	841,389
U.S. Treasury and Other U.S. Government Corporations and Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	2,005	3,662
U.S. States and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	394,182	433,695
Foreign Governments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	32,308	33,438
Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	8,438,580	8,735,158
Residential Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	479,092	590,502
Collateralized Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	2,641	2,821
Other Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	40,165	41,475
Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	9,388,973	9,840,751
Equity Indexed Options, fair value disclosure	115,558	82,625
Short-term investments, fair value disclosure	171,785	313,086
Separate account assets, fair value disclosure	885,773	841,389
Total financial assets, fair value disclosure	20,185,554	20,655,844
Liabilities related to investment contracts, fair value disclosure	9,581,289	9,987,431
Embedded derivative liability for equity-indexed, fair value disclosure	100,963	75,032
Notes payable, fair value disclosure	114,736	163,384
Separate account liabilities, fair value disclosure	885,773	841,389
Total financial liabilities, fair value disclosure	10,682,761	11,067,236
Estimated Fair Value [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, fair value disclosure	3,441,676	3,441,645
Estimated Fair Value [Member] | Policy Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, fair value disclosure	393,272	395,333
Estimated Fair Value [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Equity Indexed Options, fair value disclosure	0	0
Short-term investments, fair value disclosure	0	0
Separate account assets, fair value disclosure	0	0
Total financial assets, fair value disclosure	1,228,600	1,075,436
Liabilities related to investment contracts, fair value disclosure	0	0
Embedded derivative liability for equity-indexed, fair value disclosure	0	0
Notes payable, fair value disclosure	0	0
Separate account liabilities, fair value disclosure	0	0
Total financial liabilities, fair value disclosure	0	0
Estimated Fair Value [Member] | Level 1 [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, fair value disclosure	0	0
Estimated Fair Value [Member] | Level 1 [Member] | Policy Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, fair value disclosure	0	0
Estimated Fair Value [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	9,323,664	9,763,875
Equity Indexed Options, fair value disclosure	0	0
Short-term investments, fair value disclosure	171,785	313,086
Separate account assets, fair value disclosure	885,773	841,389
Total financial assets, fair value disclosure	18,327,257	18,918,538
Liabilities related to investment contracts, fair value disclosure	0	0
Embedded derivative liability for equity-indexed, fair value disclosure	0	0
Notes payable, fair value disclosure	0	0
Separate account liabilities, fair value disclosure	885,773	841,389
Total financial liabilities, fair value disclosure	885,773	841,389
Estimated Fair Value [Member] | Level 2 [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, fair value disclosure	3,441,676	3,441,645
Estimated Fair Value [Member] | Level 2 [Member] | Policy Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, fair value disclosure	0	0
Estimated Fair Value [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	65,309	76,876
Equity Indexed Options, fair value disclosure	115,558	82,625
Short-term investments, fair value disclosure	0	0
Separate account assets, fair value disclosure	0	0
Total financial assets, fair value disclosure	629,697	661,870
Liabilities related to investment contracts, fair value disclosure	9,581,289	9,987,431
Embedded derivative liability for equity-indexed, fair value disclosure	100,963	75,032
Notes payable, fair value disclosure	114,736	163,384
Separate account liabilities, fair value disclosure	0	0
Total financial liabilities, fair value disclosure	9,796,988	10,225,847
Estimated Fair Value [Member] | Level 3 [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, fair value disclosure	0	0
Estimated Fair Value [Member] | Level 3 [Member] | Policy Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, fair value disclosure	393,272	395,333
Estimated Fair Value [Member] | U.S. Treasury and Other U.S. Government Corporations and Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	2,005	3,662
Available-for-sale securities, fair value disclosure	22,437	20,805
Estimated Fair Value [Member] | U.S. Treasury and Other U.S. Government Corporations and Agencies [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | U.S. Treasury and Other U.S. Government Corporations and Agencies [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	2,005	3,662
Available-for-sale securities, fair value disclosure	22,437	20,805
Estimated Fair Value [Member] | U.S. Treasury and Other U.S. Government Corporations and Agencies [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | U.S. States and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	394,182	433,695
Available-for-sale securities, fair value disclosure	618,268	615,438
Estimated Fair Value [Member] | U.S. States and Political Subdivisions [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | U.S. States and Political Subdivisions [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	394,182	433,695
Available-for-sale securities, fair value disclosure	615,743	612,913
Estimated Fair Value [Member] | U.S. States and Political Subdivisions [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	2,525	2,525
Estimated Fair Value [Member] | Foreign Governments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	32,308	33,438
Available-for-sale securities, fair value disclosure	6,873	7,344
Estimated Fair Value [Member] | Foreign Governments [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Foreign Governments [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	32,308	33,438
Available-for-sale securities, fair value disclosure	6,873	7,344
Estimated Fair Value [Member] | Foreign Governments [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	8,438,580	8,735,158
Available-for-sale securities, fair value disclosure	3,775,215	3,872,633
Estimated Fair Value [Member] | Corporate Debt Securities [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Corporate Debt Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	8,376,947	8,662,164
Available-for-sale securities, fair value disclosure	3,760,252	3,796,949
Estimated Fair Value [Member] | Corporate Debt Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	61,633	72,994
Available-for-sale securities, fair value disclosure	14,963	75,684
Estimated Fair Value [Member] | Residential Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	479,092	590,502
Available-for-sale securities, fair value disclosure	75,063	94,385
Estimated Fair Value [Member] | Residential Mortgage-Backed Securities [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Residential Mortgage-Backed Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	478,057	589,441
Available-for-sale securities, fair value disclosure	72,857	91,938
Estimated Fair Value [Member] | Residential Mortgage-Backed Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	1,035	1,061
Available-for-sale securities, fair value disclosure	2,206	2,447
Estimated Fair Value [Member] | Collateralized Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	2,641	2,821
Available-for-sale securities, fair value disclosure	16,936	19,091
Estimated Fair Value [Member] | Collateralized Debt Securities [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Collateralized Debt Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	15,001	17,156
Estimated Fair Value [Member] | Collateralized Debt Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	2,641	2,821
Available-for-sale securities, fair value disclosure	1,935	1,935
Estimated Fair Value [Member] | Other Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	40,165	41,475
Available-for-sale securities, fair value disclosure	11,196	11,438
Estimated Fair Value [Member] | Other Debt Securities [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Other Debt Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	40,165	41,475
Available-for-sale securities, fair value disclosure	11,196	11,438
Estimated Fair Value [Member] | Other Debt Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, fair value disclosure	0	0
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Commercial Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	33,926	24,442
Estimated Fair Value [Member] | Commercial Mortgage-Backed Securities [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Commercial Mortgage-Backed Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Commercial Mortgage-Backed Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	33,926	24,442
Estimated Fair Value [Member] | Bonds Available-for-Sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	4,559,914	4,665,576
Estimated Fair Value [Member] | Bonds Available-for-Sale [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Bonds Available-for-Sale [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	4,504,359	4,558,543
Estimated Fair Value [Member] | Bonds Available-for-Sale [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	55,555	107,033
Estimated Fair Value [Member] | Common Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	1,185,645	1,037,784
Estimated Fair Value [Member] | Common Stock [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	1,185,645	1,037,784
Estimated Fair Value [Member] | Common Stock [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Common Stock [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Preferred Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	42,958	37,655
Estimated Fair Value [Member] | Preferred Stock [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	42,955	37,652
Estimated Fair Value [Member] | Preferred Stock [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Preferred Stock [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	3	3
Estimated Fair Value [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	1,228,603	1,075,439
Estimated Fair Value [Member] | Equity Securities [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	1,228,600	1,075,436
Estimated Fair Value [Member] | Equity Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	0	0
Estimated Fair Value [Member] | Equity Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, fair value disclosure	$ 3	$ 3

XML

Mortgage Loans - Loans Individually Evaluated for Impairment With and Without Allowance (Recorded Investment and Unpaid Principal Balance) (Parenthetical) (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Office [Member]
Financing Receivable, Impaired [Line Items]
Related Allowance	$ 1,169	$ 0
Retail [Member]
Financing Receivable, Impaired [Line Items]
Related Allowance	$ 493	$ 493

XML

Liability for Unpaid Claims and Claim Adjustment Expenses

6 Months Ended

Jun. 30, 2013

Text Block [Abstract]

Liability for Unpaid Claims and Claim Adjustment Expenses

11. LIABILITY FOR UNPAID CLAIMS AND CLAIM ADJUSTMENT EXPENSES

The liability for unpaid claims and claim adjustment expenses (“claims”) for accident and health, and property and casualty insurance is included in the “Policy and contract claims” in the consolidated statements of financial position and represents the amount estimated for claims that have been reported but not settled and claims incurred but not reported (“IBNR”). Liability for unpaid claims are estimated based upon American National’s historical experience and actuarial assumptions that consider the effects of current developments, anticipated trends and risk management programs, reduced for anticipated salvage and subrogation. The effects of the changes are included in the consolidated results of operations in the period in which the changes occur.

Information regarding the liability for unpaid claims is shown below (in thousands):

	Six months ended June 30,
	2013			2012
Unpaid claims balance, beginning	$	1,168,047		$	1,180,259
Less reinsurance recoverables		256,885			235,174
Net beginning balance		911,162			945,085
Incurred related to
Current		492,192			553,846
Prior years		(18,633	)		(37,244	)
Total incurred claims		473,559			516,602
Paid claims related to
Current		262,490			268,889
Prior years		210,013			220,479
Total paid claims		472,503			489,368
Net balance		912,218			972,319
Plus reinsurance recoverables		241,079			233,344
Unpaid claims balance, ending	$	1,153,297		$	1,205,663

The net and gross reserve calculations have shown favorable development for the last several years as a result of favorable loss emergence compared to what was implied by the loss development patterns used in the original estimation of losses in prior years. Estimates for ultimate incurred claims and CAE attributable to insured events of prior years decreased by approximately $18,633,000 during the first six months of 2013 and $37,244,000 during the same period in 2012.

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Investments in Securities - Equity Securities with Market Sector Distribution (Detail)	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2012
Concentration Risk [Line Items]
Equity securities with market sector distribution	100.00%	100.00%
Equity Securities [Member]
Concentration Risk [Line Items]
Equity securities with market sector distribution	100.00%	100.00%
Equity Securities [Member] | Consumer Goods [Member]
Concentration Risk [Line Items]
Equity securities with market sector distribution	19.50%	20.30%
Equity Securities [Member] | Financials [Member]
Concentration Risk [Line Items]
Equity securities with market sector distribution	19.60%	18.90%
Equity Securities [Member] | Information Technology [Member]
Concentration Risk [Line Items]
Equity securities with market sector distribution	15.70%	16.90%
Equity Securities [Member] | Energy and Utilities [Member]
Concentration Risk [Line Items]
Equity securities with market sector distribution	16.10%	15.80%
Equity Securities [Member] | Healthcare [Member]
Concentration Risk [Line Items]
Equity securities with market sector distribution	12.40%	12.70%
Equity Securities [Member] | Industrials [Member]
Concentration Risk [Line Items]
Equity securities with market sector distribution	8.70%	9.10%
Equity Securities [Member] | Other [Member]
Concentration Risk [Line Items]
Equity securities with market sector distribution	8.00%	6.30%

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Stockholders' Equity and Noncontrolling Interests - Summary of Basic and Diluted Earnings Per Share (Detail) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Earnings Per Share [Abstract]
Weighted average shares outstanding	26,779,969	26,685,128	26,777,029	26,675,405
Incremental shares from RS awards and RSUs	121,378	169,467	117,769	172,853
Total shares for diluted calculations	26,901,347	26,854,595	26,894,798	26,848,258
Net income (loss) attributable to American National Insurance Company	$ 58,169	$ 20,506	$ 118,140	$ 65,722
Basic earnings (loss) per share	$ 2.17	$ 0.77	$ 4.41	$ 2.46
Diluted earnings (loss) per share	$ 2.16	$ 0.76	$ 4.39	$ 2.45

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Investment Real Estate - Investment Real Estate by Property-Type and Geographic Distribution (Detail)	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2012
Concentration Risk [Line Items]
Investment real estate	100.00%	100.00%
Real Estate Investment [Member]
Concentration Risk [Line Items]
Investment real estate	100.00%	100.00%
Real Estate Investment [Member] | Shopping Centers [Member]
Concentration Risk [Line Items]
Investment real estate	33.40%	41.00%
Real Estate Investment [Member] | Office [Member]
Concentration Risk [Line Items]
Investment real estate	25.70%	21.90%
Real Estate Investment [Member] | Industrial [Member]
Concentration Risk [Line Items]
Investment real estate	17.80%	18.10%
Real Estate Investment [Member] | Other [Member]
Concentration Risk [Line Items]
Investment real estate	23.10%	19.00%
Real Estate Investment [Member] | West South Central [Member]
Concentration Risk [Line Items]
Investment real estate	58.80%	60.80%
Real Estate Investment [Member] | South Atlantic [Member]
Concentration Risk [Line Items]
Investment real estate	10.70%	11.20%
Real Estate Investment [Member] | East North Central [Member]
Concentration Risk [Line Items]
Investment real estate	8.90%	10.30%
Real Estate Investment [Member] | Mountain [Member]
Concentration Risk [Line Items]
Investment real estate	6.90%	6.20%
Real Estate Investment [Member] | East South Central [Member]
Concentration Risk [Line Items]
Investment real estate	6.40%	5.30%
Real Estate Investment [Member] | Other [Member]
Concentration Risk [Line Items]
Investment real estate	8.30%	6.20%

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Related Party Transactions (Tables)

6 Months Ended

Jun. 30, 2013

Related Party Transactions [Abstract]

Related Party Transactions

The impact on the consolidated financial statements of the significant related party transactions for the periods indicated is shown below (in thousands):

		Dollar Amount of Transactions				Amount due to/(from) American National
		Six months ended June 30,				June 30,			December 31,
Related Party	Financial Statement Line Impacted	2013		2012		2013			2012
Gal-Tex Hotel Corporation	Mortgage loan on real estate	$	564	$	264	$	8,326		$	8,890
Gal-Tex Hotel Corporation	Net investment income		314		174		50			54
Greer, Herz and Adams, LLP	Other operating expenses		4,872		3,760		(524	)		(268	)

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Mortgage Loans (Tables)

6 Months Ended

Jun. 30, 2013

Receivables [Abstract]

Mortgage Loans by Property Type and Geographic Distribution

Mortgage loans by property-type and geographic distribution are as follows:

	June 30, 2013			December 31, 2012
Office		25.9	%		34.9	%
Industrial		31.3			24.0
Retail		19.4			17.7
Hotel and motel		12.6			13.9
Other		10.8			9.5
Total		100.0	%		100.0	%
	June 30, 2013			December 31, 2012
West South Central		25.0	%		23.2	%
South Atlantic		21.3			23.0
East North Central		19.0			18.2
Pacific		13.9			13.3
East South Central		7.4			7.1
Mountain		5.6			7.0
Other		7.8			8.2
Total		100.0	%		100.0	%

Commercial Mortgage Loans Placed on Nonaccrual Status

Commercial mortgage loan balances placed on nonaccrual status are shown below (in thousands):

	June 30, 2013		December 31, 2012
Commercial mortgages
Retail	$	13,354	$	13,354
Office		6,220		—
Total	$	19,574	$	13,354

Age Analysis of Past Due Commercial Mortgage Loans

The age analysis of past due commercial mortgage loans is shown below (in thousands):

	June 30, 2013
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Mortgage Loans
Commercial mortgages
Office	$	18,866	$	—	$	6,220	$	25,086	$	992,988	$	1,018,074
Industrial		—		—		—		—		841,027		841,027
Retail		—		—		13,354		13,354		622,970		636,324
Other		—		—		—		—		758,712		758,712
Total	$	18,866	$	—	$	19,574	$	38,440	$	3,215,697		3,254,137
Allowance for loan losses												13,681
Mortgage loans on real estate, net of allowance											$	3,240,456

	December 31, 2012
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Mortgage Loans
Commercial mortgages
Office	$	—	$	—	$	—	$	—	$	1,100,407	$	1,100,407
Industrial		—		—		—		—		755,198		755,198
Retail		—		—		13,354		13,354		547,472		560,826
Other		—		—		—		—		738,592		738,592
Total	$	—	$	—	$	13,354	$	13,354	$	3,141,669		3,155,023
Allowance for loan losses												12,012
Mortgage loans on real estate, net of allowance											$	3,143,011

Change in Allowance for Credit Losses in Commercial Mortgage Loans

The change in allowance for credit losses in commercial mortgage loans is shown below (in thousands):

	Three Months Ended June 30,					Six Months Ended June 30,
	Collectively		Individually			Collectively		Individually
	Evaluated		Evaluated			Evaluated		Evaluated
	for Impairment		for Impairment			for Impairment		for Impairment
Beginning balance, 2012	$	9,640	$	493		$	10,828	$	493
Write down		—		(2,277	)		—		(2,277	)
Change in allowance		2,233		2,277			1,045		2,277
Ending balance, 2012	$	11,873	$	493		$	11,873	$	493
Beginning balance, 2013	$	11,231	$	493		$	11,519	$	493
Change in allowance		788		1,169			500		1,169
Ending balance, 2013	$	12,019	$	1,662		$	12,019	$	1,662

Loans Individually Evaluated for Impairment With and Without Allowance

Loans individually evaluated for impairment with and without an allowance are shown below (in thousands):

	June 30, 2013				June 30, 2012
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Three months ended
With an allowance recorded
Office	$	22,209	$	799	$	—	$	—
Without an allowance recorded
Office	$	27,904	$	30	$	26,064	$	1,377
Industrial		—		—		890		—
Retail		17,166		282		22,261		(193	)
Other		55,043		907		59,698		303
Total	$	100,113	$	1,219	$	108,913	$	1,487
Six months ended
With an allowance recorded
Office	$	23,450	$	799	$	—	$	—
Without an allowance recorded
Office	$	19,417	$	643	$	45,358	$	1,482
Retail		17,166		565		15,224		446
Other		55,125		1,831		45,354		1,520
Total	$	91,708	$	3,039	$	105,936	$	3,448
	June 30, 2013				December 31, 2012
			Unpaid				Unpaid
	Recorded		Principal		Recorded		Principal
	Investment		Balance		Investment		Balance
With an allowance recorded
Retail (related allowance of $493 and $493)	$	—	$	493	$	—	$	493
Office (related allowance of $1,169 and $0)		22,209		23,378		—		—
Total with an allowance recorded	$	22,209	$	23,871	$	—	$	493
Without an allowance recorded
Office	$	19,375	$	19,375	$	36,544	$	36,544
Retail		17,152		17,152		17,180		17,180
Other		54,862		54,862		55,320		55,320
Total without an allowance recorded	$	91,389	$	91,389	$	109,044	$	109,044

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Investments in Securities (Tables)

6 Months Ended

Jun. 30, 2013

Investments Debt And Equity Securities [Abstract]

Investment in Securities

The cost or amortized cost and estimated fair value of investments in securities are shown below (in thousands):

	June 30, 2013
	Cost or Amortized Cost		Gross Unrealized Gains		Gross Unrealized (Losses)			Estimated Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	1,973	$	32	$	—		$	2,005
U.S. states and political subdivisions		370,477		24,047		(342	)		394,182
Foreign governments		29,085		3,223		—			32,308
Corporate debt securities		8,047,408		480,818		(89,646	)		8,438,580
Residential mortgage-backed securities		452,074		28,901		(1,883	)		479,092
Collateralized debt securities		2,374		267		—			2,641
Other debt securities		37,686		2,479		—			40,165
Total bonds held-to-maturity		8,941,077		539,767		(91,871	)		9,388,973
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		21,550		889		(2	)		22,437
U.S. states and political subdivisions		601,263		27,328		(10,323	)		618,268
Foreign governments		5,000		1,873		—			6,873
Corporate debt securities		3,613,906		203,991		(42,682	)		3,775,215
Residential mortgage-backed securities		72,178		3,547		(662	)		75,063
Commercial mortgage-backed securities		20,934		12,992		—			33,926
Collateralized debt securities		15,737		1,223		(24	)		16,936
Other debt securities		10,033		1,163		—			11,196
Total bonds available-for-sale		4,360,601		253,006		(53,693	)		4,559,914
Equity securities
Common stock		696,900		497,164		(8,419	)		1,185,645
Preferred stock		27,690		15,361		(93	)		42,958
Total equity securities		724,590		512,525		(8,512	)		1,228,603
Total investments in securities	$	14,026,268	$	1,305,298	$	(154,076	)	$	15,177,490

	December 31, 2012
	Cost or Amortized Cost		Gross Unrealized Gains		Gross Unrealized (Losses)			Estimated Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	3,593	$	69	$	—		$	3,662
U.S. states and political subdivisions		393,541		40,161		(7	)		433,695
Foreign governments		29,071		4,367		—			33,438
Corporate debt securities		7,993,167		748,773		(6,782	)		8,735,158
Residential mortgage-backed securities		549,384		42,313		(1,195	)		590,502
Collateralized debt securities		2,500		321		—			2,821
Other debt securities		38,026		3,449		—			41,475
Total bonds held-to-maturity		9,009,282		839,453		(7,984	)		9,840,751
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		19,649		1,156		—			20,805
U.S. states and political subdivisions		570,751		44,792		(105	)		615,438
Foreign governments		5,000		2,344		—			7,344
Corporate debt securities		3,582,913		303,908		(14,188	)		3,872,633
Residential mortgage-backed securities		89,486		5,165		(266	)		94,385
Commercial mortgage-backed securities		20,933		3,509		—			24,442
Collateralized debt securities		17,676		1,448		(33	)		19,091
Other debt securities		10,059		1,379		—			11,438
Total bonds available-for-sale		4,316,467		363,701		(14,592	)		4,665,576
Equity securities
Common stock		660,889		383,634		(6,739	)		1,037,784
Preferred stock		27,690		9,995		(30	)		37,655
Total equity securities		688,579		393,629		(6,769	)		1,075,439
Total investments in securities	$	14,014,328	$	1,596,783	$	(29,345	)	$	15,581,766

Maturities of Investments

The amortized cost and estimated fair value, by contractual maturity of fixed maturity securities are shown below (in thousands):

	June 30, 2013
	Bonds Held-to-Maturity				Bonds Available-for-Sale
	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Due in one year or less	$	910,170	$	925,314	$	542,969	$	556,380
Due after one year through five years		2,566,756		2,800,700		1,363,358		1,490,856
Due after five years through ten years		4,913,212		5,084,699		2,048,682		2,097,928
Due after ten years		545,089		573,210		400,592		409,950
Without single maturity date		5,850		5,050		5,000		4,800
Total	$	8,941,077	$	9,388,973	$	4,360,601	$	4,559,914

Proceeds from Available for Sale Securities and Realized Gain Loss

Proceeds from the sales of available-for-sale securities, with the related gross realized gains and losses, are shown below (in thousands): 

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Proceeds from sales of available-for-sale securities	$	79,191		$	5,632		$	156,048		$	38,305
Gross realized gains		12,612			947			23,350			12,027
Gross realized losses		(4	)		(11	)		(526	)		(170	)

Change in Net Unrealized Gains (Losses) on Available-for-Sale Securities

The components of the change in net unrealized gains (losses) on securities are shown below (in thousands):

	Six months ended June 30,
	2013			2012
Bonds available-for-sale	$	(149,796	)	$	57,126
Equity securities		117,153			61,405
Change in net unrealized gains (losses) on securities during the year		(32,643	)		118,531
Adjustments for:
Deferred policy acquisition costs		40,596			(22,098	)
Participating policyholders’ interest		248			(4,417	)
Deferred federal income tax benefit (expense)		(3,379	)		(32,279	)
Change in net unrealized gains (losses) on securities, net of tax	$	4,822		$	59,737

Gross Unrealized Losses on Investment Securities and Estimated Fair Value Securities

Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are shown below (in thousands):

	June 30, 2013
	Less than 12 months					12 Months or more					Total
	Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. states and political subdivisions	$	(342	)	$	10,545	$	—		$	—	$	(342	)	$	10,545
Corporate debt securities		(85,632	)		1,539,954		(4,014	)		36,547		(89,646	)		1,576,501
Residential mortgage-backed securities		(1,164	)		39,401		(719	)		10,982		(1,883	)		50,383
Total bonds held-to-maturity		(87,138	)		1,589,900		(4,733	)		47,529		(91,871	)		1,637,429
Fixed maturity securities, bonds available-for-sale
U.S. treasury and other U.S. government corporations and agencies		(2	)		9,086		—			—		(2	)		9,086
U.S. states and political subdivisions		(10,323	)		135,550		—			—		(10,323	)		135,550
Corporate debt securities		(38,954	)		801,335		(3,728	)		65,663		(42,682	)		866,998
Residential mortgage-backed securities		(514	)		17,684		(148	)		2,011		(662	)		19,695
Collateralized debt securities		(5	)		281		(19	)		698		(24	)		979
Total bonds available-for-sale		(49,798	)		963,936		(3,895	)		68,372		(53,693	)		1,032,308
Equity securities
Common stock		(8,419	)		74,429		—			—		(8,419	)		74,429
Preferred stock		(93	)		1,907		—			—		(93	)		1,907
Total equity securities		(8,512	)		76,336		—			—		(8,512	)		76,336
Total investments in securities	$	(145,448	)	$	2,630,172	$	(8,628	)	$	115,901	$	(154,076	)	$	2,746,073
	December 31, 2012
	Less than 12 months					12 Months or more					Total
	Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. states and political subdivisions	$	(6	)	$	914	$	(1	)	$	80	$	(7	)	$	994
Corporate debt securities		(4,394	)		319,434		(2,388	)		39,632		(6,782	)		359,066
Residential mortgage-backed securities		(147	)		13,824		(1,048	)		24,666		(1,195	)		38,490
Total bonds held-to-maturity		(4,547	)		334,172		(3,437	)		64,378		(7,984	)		398,550
Fixed maturity securities, bonds available-for-sale
U.S. states and political subdivisions		(105	)		6,523		—			—		(105	)		6,523
Corporate debt securities		(2,077	)		242,261		(12,111	)		70,187		(14,188	)		312,448
Residential mortgage-backed securities		(34	)		1,527		(232	)		8,029		(266	)		9,556
Collateralized debt securities		(8	)		527		(25	)		911		(33	)		1,438
Total bonds available-for-sale		(2,224	)		250,838		(12,368	)		79,127		(14,592	)		329,965
Equity securities
Common stock		(6,739	)		64,003		—			—		(6,739	)		64,003
Preferred stock		(30	)		30		—			—		(30	)		30
Total equity securities		(6,769	)		64,033		—			—		(6,769	)		64,033
Total investments in securities	$	(13,540	)	$	649,043	$	(15,805	)	$	143,505	$	(29,345	)	$	792,548

Bond Portfolio Distributed with Quality Rating

The bond portfolio distributed by credit quality rating, using both S&P and Moody’s ratings, is shown below:

	June 30, 2013			December 31, 2012
AAA		5.0	%		5.5	%
AA		10.7			10.6
A		41.0			38.2
BBB		39.4			41.4
BB and below		3.9			4.3
Total		100.0	%		100.0	%

Equity Securities with Market Sector Distribution

Equity securities by market sector distribution are shown below:

	June 30, 2013			December 31, 2012
Financials		19.6	%		18.9	%
Consumer goods		19.5			20.3
Energy and utilities		16.1			15.8
Information technology		15.7			16.9
Healthcare		12.4			12.7
Industrials		8.7			9.1
Other		8.0			6.3
Total		100.0	%		100.0	%

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Investments in Securities - Gross Unrealized Losses on Investment Securities and Estimated Fair Value Securities (Detail) (USD $) In Thousands, unless otherwise specified	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2012
Investment [Line Items]
Bonds held-to-maturity, Less than 12 months, Unrealized Losses	$ (87,138)	$ (4,547)
Bonds held-to-maturity, Less than 12 months, Estimated Fair Value	1,589,900	334,172
Bonds held-to-maturity, 12 months or more, Unrealized Losses	(4,733)	(3,437)
Bonds held-to-maturity, 12 months or more, Estimated Fair Value	47,529	64,378
Bonds held-to-maturity, Total, Unrealized Losses	(91,871)	(7,984)
Bonds held-to-maturity, Total, Estimated Fair Value	1,637,429	398,550
Investment in securities, Less than 12 months, Unrealized Losses	(145,448)	(13,540)
Investment in securities, Less than 12 months, Estimated Fair Value	2,630,172	649,043
Investment in securities, More than 12 months, Unrealized Losses	(8,628)	(15,805)
Investment in securities, More than 12 months, Fair Value	115,901	143,505
Investment in securities, Total, Unrealized Losses	(154,076)	(29,345)
Investment in securities, Total, Estimated Fair Value	2,746,073	792,548
Common Stock [Member]
Investment [Line Items]
Available-for-sale securities, Less than 12 months, Unrealized Losses	(8,419)	(6,739)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	74,429	64,003
Available-for-sale securities, 12 months or more, Unrealized Losses	0	0
Available-for-sale securities, 12 months or more, Estimated Fair Value	0	0
Available-for-sale securities, Total, Unrealized (Losses)	(8,419)	(6,739)
Available-for-sale securities, Total, Estimated Fair Value	74,429	64,003
Equity Securities [Member]
Investment [Line Items]
Available-for-sale securities, Less than 12 months, Unrealized Losses	(8,512)	(6,769)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	76,336	64,033
Available-for-sale securities, 12 months or more, Unrealized Losses	0	0
Available-for-sale securities, 12 months or more, Estimated Fair Value	0	0
Available-for-sale securities, Total, Unrealized (Losses)	(8,512)	(6,769)
Available-for-sale securities, Total, Estimated Fair Value	76,336	64,033
Preferred Stock [Member]
Investment [Line Items]
Available-for-sale securities, Less than 12 months, Unrealized Losses	(93)	(30)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	1,907	30
Available-for-sale securities, 12 months or more, Unrealized Losses	0	0
Available-for-sale securities, 12 months or more, Estimated Fair Value	0	0
Available-for-sale securities, Total, Unrealized (Losses)	(93)	(30)
Available-for-sale securities, Total, Estimated Fair Value	1,907	30
U.S. Treasury and Other U.S. Government Corporations and Agencies [Member]
Investment [Line Items]
Available-for-sale securities, Less than 12 months, Unrealized Losses	(2)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	9,086
Available-for-sale securities, 12 months or more, Unrealized Losses	0
Available-for-sale securities, 12 months or more, Estimated Fair Value	0
Available-for-sale securities, Total, Unrealized (Losses)	(2)	0
Available-for-sale securities, Total, Estimated Fair Value	9,086
U.S. States and Political Subdivisions [Member]
Investment [Line Items]
Bonds held-to-maturity, Less than 12 months, Unrealized Losses	(342)	(6)
Bonds held-to-maturity, Less than 12 months, Estimated Fair Value	10,545	914
Bonds held-to-maturity, 12 months or more, Unrealized Losses	0	(1)
Bonds held-to-maturity, 12 months or more, Estimated Fair Value	0	80
Bonds held-to-maturity, Total, Unrealized Losses	(342)	(7)
Bonds held-to-maturity, Total, Estimated Fair Value	10,545	994
Available-for-sale securities, Less than 12 months, Unrealized Losses	(10,323)	(105)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	135,550	6,523
Available-for-sale securities, 12 months or more, Unrealized Losses	0	0
Available-for-sale securities, 12 months or more, Estimated Fair Value	0	0
Available-for-sale securities, Total, Unrealized (Losses)	(10,323)	(105)
Available-for-sale securities, Total, Estimated Fair Value	135,550	6,523
Corporate Debt Securities [Member]
Investment [Line Items]
Bonds held-to-maturity, Less than 12 months, Unrealized Losses	(85,632)	(4,394)
Bonds held-to-maturity, Less than 12 months, Estimated Fair Value	1,539,954	319,434
Bonds held-to-maturity, 12 months or more, Unrealized Losses	(4,014)	(2,388)
Bonds held-to-maturity, 12 months or more, Estimated Fair Value	36,547	39,632
Bonds held-to-maturity, Total, Unrealized Losses	(89,646)	(6,782)
Bonds held-to-maturity, Total, Estimated Fair Value	1,576,501	359,066
Available-for-sale securities, Less than 12 months, Unrealized Losses	(38,954)	(2,077)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	801,335	242,261
Available-for-sale securities, 12 months or more, Unrealized Losses	(3,728)	(12,111)
Available-for-sale securities, 12 months or more, Estimated Fair Value	65,663	70,187
Available-for-sale securities, Total, Unrealized (Losses)	(42,682)	(14,188)
Available-for-sale securities, Total, Estimated Fair Value	866,998	312,448
Residential Mortgage-Backed Securities [Member]
Investment [Line Items]
Bonds held-to-maturity, Less than 12 months, Unrealized Losses	(1,164)	(147)
Bonds held-to-maturity, Less than 12 months, Estimated Fair Value	39,401	13,824
Bonds held-to-maturity, 12 months or more, Unrealized Losses	(719)	(1,048)
Bonds held-to-maturity, 12 months or more, Estimated Fair Value	10,982	24,666
Bonds held-to-maturity, Total, Unrealized Losses	(1,883)	(1,195)
Bonds held-to-maturity, Total, Estimated Fair Value	50,383	38,490
Available-for-sale securities, Less than 12 months, Unrealized Losses	(514)	(34)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	17,684	1,527
Available-for-sale securities, 12 months or more, Unrealized Losses	(148)	(232)
Available-for-sale securities, 12 months or more, Estimated Fair Value	2,011	8,029
Available-for-sale securities, Total, Unrealized (Losses)	(662)	(266)
Available-for-sale securities, Total, Estimated Fair Value	19,695	9,556
Collateralized Debt Securities [Member]
Investment [Line Items]
Available-for-sale securities, Less than 12 months, Unrealized Losses	(5)	(8)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	281	527
Available-for-sale securities, 12 months or more, Unrealized Losses	(19)	(25)
Available-for-sale securities, 12 months or more, Estimated Fair Value	698	911
Available-for-sale securities, Total, Unrealized (Losses)	(24)	(33)
Available-for-sale securities, Total, Estimated Fair Value	979	1,438
Bonds Available-for-Sale [Member]
Investment [Line Items]
Available-for-sale securities, Less than 12 months, Unrealized Losses	(49,798)	(2,224)
Available-for-sale securities, Less than 12 months, Estimated Fair Value	963,936	250,838
Available-for-sale securities, 12 months or more, Unrealized Losses	(3,895)	(12,368)
Available-for-sale securities, 12 months or more, Estimated Fair Value	68,372	79,127
Available-for-sale securities, Total, Unrealized (Losses)	(53,693)	(14,592)
Available-for-sale securities, Total, Estimated Fair Value	$ 1,032,308	$ 329,965

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Federal Income Taxes (Tables)

6 Months Ended

Jun. 30, 2013

Income Tax Disclosure [Abstract]

Effective Income Tax Reconciliation

A reconciliation of the effective tax rate to the statutory federal tax rate is shown below (in thousands, except percentages):

	Three months ended June 30,												Six months ended June 30,
	2013						2012						2013						2012
	Amount			Rate			Amount			Rate			Amount			Rate			Amount			Rate
Income tax expense on pre-tax income	$	29,473			35.0	%	$	6,524			35.0	%	$	51,225			35.0	%	$	28,704			35.0	%
Tax-exempt investment income		(1,575	)		(1.9	)		(1,837	)		(9.9	)		(3,198	)		(2.2	)		(3,742	)		(4.6	)
Dividend exclusion		(1,621	)		(1.9	)		(1,483	)		(8.0	)		(3,092	)		(2.1	)		(2,952	)		(3.6	)
Miscellaneous tax credits, net		(1,929	)		(2.3	)		(2,352	)		(12.6	)		(3,890	)		(2.6	)		(4,463	)		(5.4	)
Other items, net		455			0.6			(3,236	)		(17.3	)		(4,925	)		(3.4	)		(2,948	)		(3.6	)
Effective tax	$	24,803			29.5	%	$	(2,384	)		(12.8	)%	$	36,120			24.7	%	$	14,599			17.8	%

Components of Deferred Tax Assets and Liabilities

The tax effects of temporary differences that gave rise to the deferred tax assets and liabilities are shown below (in thousands):

	June 30,			December 31,
	2013			2012
DEFERRED TAX ASSETS
Investments, principally due to impairment losses	$	67,976		$	70,103
Investment in real estate and other invested assets principally due to investment valuation allowances		8,033			7,259
Policyholder funds, principally due to policy reserve discount		229,505			229,429
Policyholder funds, principally due to unearned premium reserve		33,395			30,337
Participating policyholders’ surplus		39,375			37,014
Pension		94,964			94,847
Commissions and other expenses		7,066			7,889
Tax carryforwards		14,779			23,041
Other assets		—			3,343
Gross deferred tax assets		495,093			503,262
DEFERRED TAX LIABILITIES
Available-for-sale securities, principally due to net unrealized gains		(245,760	)		(257,290	)
Investment in bonds, principally due to accrual of discount on bonds		(7,414	)		(9,415	)
Deferred policy acquisition costs, due to difference between GAAP and tax amortization methods		(338,640	)		(327,245	)
Property, plant and equipment, principally due to difference between GAAP and tax depreciation methods		(7,105	)		(1,462	)
Other liabilities		(2,675	)		—
Gross deferred tax liabilities		(601,594	)		(595,412	)
Total net deferred tax liability	$	(106,501	)	$	(92,150	)

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Summary of Significant Accounting Policies and Practices - Additional Information (Detail)	Jun. 30, 2013
Accounting Policies [Abstract]
Entity ownership percentage	100.00%

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Mortgage Loans - Mortgage Loans by Property Type and Geographic Distribution (Detail)	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2012
Concentration Risk [Line Items]
Mortgage loans	100.00%	100.00%
Mortgage Loans on Real Estate [Member] | Office [Member]
Concentration Risk [Line Items]
Mortgage loans	25.90%	34.90%
Mortgage Loans on Real Estate [Member] | Industrial [Member]
Concentration Risk [Line Items]
Mortgage loans	31.30%	24.00%
Mortgage Loans on Real Estate [Member] | Retail [Member]
Concentration Risk [Line Items]
Mortgage loans	19.40%	17.70%
Mortgage Loans on Real Estate [Member] | Hotel and motel [Member]
Concentration Risk [Line Items]
Mortgage loans	12.60%	13.90%
Mortgage Loans on Real Estate [Member] | Other [Member]
Concentration Risk [Line Items]
Mortgage loans	10.80%	9.50%
Mortgage Loans on Real Estate [Member] | Mortgage Loans by Property-type [Member]
Concentration Risk [Line Items]
Mortgage loans	100.00%	100.00%
Mortgage Loans on Real Estate [Member] | West South Central [Member]
Concentration Risk [Line Items]
Mortgage loans	25.00%	23.20%
Mortgage Loans on Real Estate [Member] | South Atlantic [Member]
Concentration Risk [Line Items]
Mortgage loans	21.30%	23.00%
Mortgage Loans on Real Estate [Member] | East North Central [Member]
Concentration Risk [Line Items]
Mortgage loans	19.00%	18.20%
Mortgage Loans on Real Estate [Member] | Pacific [Member]
Concentration Risk [Line Items]
Mortgage loans	13.90%	13.30%
Mortgage Loans on Real Estate [Member] | East South Central [Member]
Concentration Risk [Line Items]
Mortgage loans	7.40%	7.10%
Mortgage Loans on Real Estate [Member] | Mountain [Member]
Concentration Risk [Line Items]
Mortgage loans	5.60%	7.00%
Mortgage Loans on Real Estate [Member] | Other [Member]
Concentration Risk [Line Items]
Mortgage loans	7.80%	8.20%
Mortgage Loans on Real Estate [Member] | Mortgage Loans by Geographic Distribution [Member]
Concentration Risk [Line Items]
Mortgage loans	100.00%	100.00%

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Fair Value of Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2013

Fair Value Disclosures [Abstract]

Carrying Amount and Estimated Fair Value of Financial Instruments

The carrying amount and estimated fair value of financial instruments are shown below (in thousands):

	June 30, 2013				December 31, 2012
	Carrying		Estimated		Carrying		Estimated
	Amount		Fair Value		Amount		Fair Value
Financial assets
Fixed maturity securities, bonds held-to-maturity	$	8,941,077	$	9,388,973	$	9,009,282	$	9,840,751
Fixed maturity securities, bonds available-for-sale		4,559,914		4,559,914		4,665,576		4,665,576
Equity securities		1,228,603		1,228,603		1,075,439		1,075,439
Equity-indexed options		115,558		115,558		82,625		82,625
Mortgage loans on real estate, net of allowance		3,240,456		3,441,676		3,143,011		3,441,645
Policy loans		393,272		393,272		395,333		395,333
Short-term investments		171,785		171,785		313,086		313,086
Separate account assets		885,773		885,773		841,389		841,389
Total financial assets	$	19,536,438	$	20,185,554	$	19,525,741	$	20,655,844
Financial liabilities
Investment contracts	$	9,581,289	$	9,581,289	$	9,987,431	$	9,987,431
Embedded derivative liability for equity-indexed contracts		100,963		100,963		75,032		75,032
Notes payable		114,736		114,736		163,384		163,384
Separate account liabilities		885,773		885,773		841,389		841,389
Total financial liabilities	$	10,682,761	$	10,682,761	$	11,067,236	$	11,067,236

Quantitative Disclosures Regarding Fair Value Hierarchy Measurements

The fair value hierarchy measurements of the financial instruments are shown below (in thousands):

	Fair Value Measurement as of June 30, 2013
	Total Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	2,005	$	—	$	2,005	$	—
U.S. states and political subdivisions		394,182		—		394,182		—
Foreign governments		32,308		—		32,308		—
Corporate debt securities		8,438,580		—		8,376,947		61,633
Residential mortgage-backed securities		479,092		—		478,057		1,035
Collateralized debt securities		2,641		—		—		2,641
Other debt securities		40,165		—		40,165		—
Total bonds held-to-maturity		9,388,973		—		9,323,664		65,309
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		22,437		—		22,437		—
U.S. states and political subdivisions		618,268		—		615,743		2,525
Foreign governments		6,873		—		6,873		—
Corporate debt securities		3,775,215		—		3,760,252		14,963
Residential mortgage-backed securities		75,063		—		72,857		2,206
Commercial mortgage-backed securities		33,926		—		—		33,926
Collateralized debt securities		16,936		—		15,001		1,935
Other debt securities		11,196		—		11,196		—
Total bonds available-for-sale		4,559,914		—		4,504,359		55,555
Equity securities
Common stock		1,185,645		1,185,645		—		—
Preferred stock		42,958		42,955		—		3
Total equity securities		1,228,603		1,228,600		—		3
Options		115,558		—		—		115,558
Mortgage loans on real estate		3,441,676		—		3,441,676		—
Policy loans		393,272		—		—		393,272
Short-term investments		171,785		—		171,785		—
Separate account assets		885,773		—		885,773		—
Total financial assets	$	20,185,554	$	1,228,600	$	18,327,257	$	629,697
Financial liabilities
Investment contracts	$	9,581,289	$	—	$	—	$	9,581,289
Embedded derivative liability for equity-indexed contracts		100,963		—		—		100,963
Notes payable		114,736		—		—		114,736
Separate account liabilities		885,773		—		885,773		—
Total financial liabilities	$	10,682,761	$	—	$	885,773	$	9,796,988

	Fair Value Measurement as of December 31, 2012
	Total Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	3,662	$	—	$	3,662	$	—
U.S. states and political subdivisions		433,695		—		433,695		—
Foreign governments		33,438		—		33,438		—
Corporate debt securities		8,735,158		—		8,662,164		72,994
Residential mortgage-backed securities		590,502		—		589,441		1,061
Collateralized debt securities		2,821		—		—		2,821
Other debt securities		41,475		—		41,475		—
Total bonds held-to-maturity		9,840,751		—		9,763,875		76,876
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		20,805		—		20,805		—
U.S. states and political subdivisions		615,438		—		612,913		2,525
Foreign governments		7,344		—		7,344		—
Corporate debt securities		3,872,633		—		3,796,949		75,684
Residential mortgage-backed securities		94,385		—		91,938		2,447
Commercial mortgage-backed securities		24,442		—		—		24,442
Collateralized debt securities		19,091		—		17,156		1,935
Other debt securities		11,438		—		11,438		—
Total bonds available-for-sale		4,665,576		—		4,558,543		107,033
Equity securities
Common stock		1,037,784		1,037,784		—		—
Preferred stock		37,655		37,652		—		3
Total equity securities		1,075,439		1,075,436		—		3
Options		82,625		—		—		82,625
Mortgage loans on real estate		3,441,645		—		3,441,645		—
Policy loans		395,333		—		—		395,333
Short-term investments		313,086		—		313,086		—
Separate account assets		841,389		—		841,389		—
Total financial assets	$	20,655,844	$	1,075,436	$	18,918,538	$	661,870
Financial liabilities
Investment contracts	$	9,987,431	$	—	$	—	$	9,987,431
Embedded derivative liability for equity-indexed contracts		75,032		—		—		75,032
Notes payable		163,384		—		—		163,384
Separate account liabilities		841,389		—		841,389		—
Total financial liabilities	$	11,067,236	$	—	$	841,389	$	10,225,847

Financial Instruments Measured at Fair Value on Recurring Basis Using Significant Unobservable Inputs (Level 3)

For financial instruments measured at fair value on a recurring basis using significant unobservable inputs (Level 3) during the period, a reconciliation of the beginning and ending balances is shown below at estimated fair value (in thousands):

	Level 3
	Three months ended June 30,									Six months ended June 30,
	Asset						Liability			Asset						Liability
				Equity-									Equity-
	Investment			Indexed			Embedded			Investment			Indexed			Embedded
	Securities			Options			Derivative			Securities			Options			Derivative
Beginning balance, 2012	$	15,737		$	84,706		$	(78,654	)	$	15,815		$	65,188		$	(63,275	)
Total realized and unrealized investment gains/losses
Included in other comprehensive income		(692	)		—			—			(536	)		—			—
Net fair value change included in realized gains/losses		14			—			—			30			—			—
Net gain (loss) for derivatives included in net investment income		—			(9,628	)		—			—			8,170			—
Net change included in interest credited		—			—			9,447			—			—			(9,010	)
Purchases, sales and settlements or maturities
Purchases		552			4,140			—			552			8,481			—
Sales		(16	)		—			—			(266	)		—			—
Settlements or maturities		(395	)		(2,082	)		—			(395	)		(4,703	)		—
Premiums less benefits		—			—			(2,987	)		—			—			91
Gross transfers into Level 3		32,721			—			—			32,721			—			—
Ending balance June 30, 2012	$	47,921		$	77,136		$	(72,194	)	$	47,921		$	77,136		$	(72,194	)

	Level 3
	Three months ended June 30,									Six months ended June 30,
	Asset						Liability			Asset						Liability
				Equity-									Equity-
	Investment			Indexed			Embedded			Investment			Indexed			Embedded
	Securities			Options			Derivative			Securities			Options			Derivative
Beginning balance, 2013	$	114,373		$	105,254		$	(93,988	)	$	107,036		$	82,625		$	(75,032	)
Total realized and unrealized investment gains/losses
Included in other comprehensive income		2,720			—			—			11,129			—			—
Net fair value change included in realized gains/losses		8			—			—			219			—			—
Net gain (loss) for derivatives included in net investment income		—			8,700			—			—			31,166			—
Net change included in interest credited		—			—			(8,047	)		—			—			(28,694	)
Purchases, sales and settlements or maturities
Purchases		63			4,418			—			2,070			7,708			—
Sales		(10,844	)		—			—			(14,134	)		—			—
Settlements or maturities		—			(2,814	)		—			—			(5,941	)		—
Premiums less benefits		—			—			1,072			—			—			2,763
Gross transfers into Level 3		—			—			—			—			—			—
Gross transfers out of Level 3		(50,762	)		—			—			(50,762	)		—			—
Ending balance June 30, 2013	$	55,558		$	115,558		$	(100,963	)	$	55,558		$	115,558		$	(100,963	)

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Net Investment Income and Realized Investment Gains (Losses) - Summary of Realized Investment Gains (Losses), Before Federal Income Taxes and Other than Temporary Impairment Losses (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Gain (Loss) on Investments [Line Items]
Realized investments gain (losses)	$ 45,140	$ 10,139	$ 63,678	$ 19,947
Other-than-temporary impairments	(1,604)	(5,261)	(3,191)	(8,098)
Bonds Available-for-Sale [Member]
Gain (Loss) on Investments [Line Items]
Realized investments gain (losses)	3,696	9,610	6,919	13,420
Equity Securities [Member]
Gain (Loss) on Investments [Line Items]
Realized investments gain (losses)	11,836	2,859	20,519	10,214
Other-than-temporary impairments	(1,604)	(5,261)	(3,191)	(8,098)
Mortgage Loans on Real Estate [Member]
Gain (Loss) on Investments [Line Items]
Realized investments gain (losses)	101	(2,233)	389	(3,322)
Real Estate [Member]
Gain (Loss) on Investments [Line Items]
Realized investments gain (losses)	29,563	0	35,946	(252)
Other Invested Assets [Member]
Gain (Loss) on Investments [Line Items]
Realized investments gain (losses)	$ (56)	$ (97)	$ (95)	$ (113)

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Federal Income Taxes - Effective Income Tax Reconciliation (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Income Tax Disclosure [Abstract]
Income tax expense on pre-tax income	$ 29,473	$ 6,524	$ 51,225	$ 28,704
Tax-exempt investment income	(1,575)	(1,837)	(3,198)	(3,742)
Dividend exclusion	(1,621)	(1,483)	(3,092)	(2,952)
Miscellaneous tax credits, net	(1,929)	(2,352)	(3,890)	(4,463)
Other items, net	455	(3,236)	(4,925)	(2,948)
Effective tax, Amount	$ 24,803	$ (2,384)	$ 36,120	$ 14,599
Income tax expense on pre-tax income	35.00%	35.00%	35.00%	35.00%
Tax-exempt investment income	(1.90%)	(9.90%)	(2.20%)	(4.60%)
Dividend exclusion	(1.90%)	(8.00%)	(2.10%)	(3.60%)
Miscellaneous tax credits, net	(2.30%)	(12.60%)	(2.60%)	(5.40%)
Other items, net	0.60%	(17.30%)	(3.40%)	(3.60%)
Effective tax, Rate	29.50%	(12.80%)	24.70%	17.80%

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Net Investment Income and Realized Investment Gains (Losses) - Summary of Net Investment Income, Before Federal Income Taxes (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Net Investment Income [Line Items]
Net Investment Income, Total	$ 246,786	$ 240,563	$ 498,152	$ 496,259
Bonds Available-for-Sale [Member]
Net Investment Income [Line Items]
Net Investment Income, Total	157,975	170,443	321,408	342,722
Equity Securities [Member]
Net Investment Income [Line Items]
Net Investment Income, Total	8,421	7,508	15,236	13,753
Mortgage Loans on Real Estate [Member]
Net Investment Income [Line Items]
Net Investment Income, Total	56,083	50,749	107,868	100,507
Real Estate [Member]
Net Investment Income [Line Items]
Net Investment Income, Total	352	8,498	(1,069)	8,283
Options [Member]
Net Investment Income [Line Items]
Net Investment Income, Total	10,419	(8,189)	34,759	11,458
Other Invested Assets [Member]
Net Investment Income [Line Items]
Net Investment Income, Total	$ 13,536	$ 11,554	$ 19,950	$ 19,536

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Investments in Securities - Proceeds from Available for Sale Securities and Realized Gain Loss (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Available For Sale Securities Gross Realized Gain Loss [Abstract]
Proceeds from sales of available-for-sale securities	$ 79,191	$ 5,632	$ 156,048	$ 38,305
Gross realized gains	12,612	947	23,350	12,027
Gross realized losses	$ (4)	$ (11)	$ (526)	$ (170)

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Deferred Policy Acquisition Costs - Deferred Policy Acquisition Costs (Detail) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Deferred Policy Acquisition Costs [Line Items]
Beginning balance	$ 1,247,675
Additions	184,523
Amortization	(196,826)
Effect of change in unrealized gains on available-for-sale securities	40,596	(22,098)
Net change	28,293
Ending balance	1,275,968
Life [Member]
Deferred Policy Acquisition Costs [Line Items]
Beginning balance	653,416
Additions	49,227
Amortization	(34,912)
Effect of change in unrealized gains on available-for-sale securities	4,732
Net change	19,047
Ending balance	672,463
Annuity [Member]
Deferred Policy Acquisition Costs [Line Items]
Beginning balance	406,540
Additions	25,896
Amortization	(43,155)
Effect of change in unrealized gains on available-for-sale securities	35,864
Net change	18,605
Ending balance	425,145
Accident & Health [Member]
Deferred Policy Acquisition Costs [Line Items]
Beginning balance	49,206
Additions	5,440
Amortization	(7,413)
Effect of change in unrealized gains on available-for-sale securities	0
Net change	(1,973)
Ending balance	47,233
Property & Casualty [Member]
Deferred Policy Acquisition Costs [Line Items]
Beginning balance	138,513
Additions	103,960
Amortization	(111,346)
Effect of change in unrealized gains on available-for-sale securities	0
Net change	(7,386)
Ending balance	$ 131,127

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Summary of Significant Accounting Policies and Practices (Policies)

6 Months Ended

Jun. 30, 2013

Accounting Policies [Abstract]

Basis of Accounting

The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles (“GAAP”) and are reported in U.S. currency.

The interim consolidated financial statements and notes herein are unaudited and reflect all adjustments which management considers necessary for the fair presentation of the interim consolidated statements of financial position, operations, comprehensive income (loss), changes in stockholders’ equity, and cash flows.

The interim consolidated financial statements and notes should be read in conjunction with the annual consolidated financial statements and notes thereto included in American National’s Annual Report on Form 10-K as of and for the year ended December 31, 2012. The consolidated results of operations for the interim periods should not be considered indicative of results to be expected for the full year.

Consolidation Policy

American National consolidates all entities that are wholly-owned and those in which American National owns less than 100% but controls, as well as any variable interest entities in which American National is the primary beneficiary. All material intercompany transactions with consolidated entities have been eliminated. Investments in unconsolidated affiliates are accounted for using the equity method of accounting.

Reclassification Policy

Certain amounts in prior years have been reclassified to conform to current year presentation.

Use of Estimates

The preparation of the consolidated financial statements in conformity with GAAP requires the use of estimates and assumptions that affect the reported consolidated financial statement balances. Actual results could differ from those estimates.

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Consolidated Statements of Changes in Stockholders' Equity (USD $) In Thousands	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Noncontrolling Interest [Member]
Balance at beginning of the period at Dec. 31, 2011		$ 30,832	$ 0	$ 159,403	$ 3,545,546	$ (98,490)	$ 12,947
Reissuance of treasury shares			(203)			203
Contributions							0
Net income (loss) attributable to American National Insurance Company	65,722				65,722
Other comprehensive income (loss)	64,860			64,860
Income tax effect from restricted stock arrangement			(534)
Distributions							(17)
Cash dividends to common stockholders					(41,331)
Amortization of restricted stock			8,651
Gain (loss) attributable to noncontrolling interest	123						123
Balance at end of period at Jun. 30, 2012	3,747,712		7,914	224,263	3,569,937	(98,287)	13,053
Balance at beginning of the period at Dec. 31, 2012	3,839,327	30,832	0	242,010	3,653,280	(98,286)	11,491
Reissuance of treasury shares			2,926			823
Contributions							1
Net income (loss) attributable to American National Insurance Company	118,140				118,140
Other comprehensive income (loss)	10,987			10,987
Income tax effect from restricted stock arrangement			79
Distributions							(21)
Cash dividends to common stockholders					(41,418)
Amortization of restricted stock			255
Gain (loss) attributable to noncontrolling interest	1,751						1,751
Balance at end of period at Jun. 30, 2013	$ 3,932,850		$ 3,260	$ 252,997	$ 3,730,002	$ (97,463)	$ 13,222

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Nature of Operations

6 Months Ended

Jun. 30, 2013

Accounting Policies [Abstract]

Nature of Operations

1. NATURE OF OPERATIONS

American National Insurance Company and its consolidated subsidiaries (collectively “American National”) offer a broad spectrum of insurance products, including individual and group life insurance, health insurance, annuities, and property and casualty insurance. Through non-insurance subsidiaries, American National invests in stocks and real estate. Business is conducted in all 50 states, the District of Columbia, Puerto Rico, Guam and American Samoa. The majority of revenues are generated by the insurance business. Various distribution systems are utilized, including multiple-line exclusive agents, independent agents, third-party marketing organizations, career agents, and direct sales to the public.

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Investments in Securities

6 Months Ended

Jun. 30, 2013

Investments Debt And Equity Securities [Abstract]

Investments in Securities

4. INVESTMENTS IN SECURITIES

The cost or amortized cost and estimated fair value of investments in securities are shown below (in thousands):

	June 30, 2013
	Cost or Amortized Cost		Gross Unrealized Gains		Gross Unrealized (Losses)			Estimated Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	1,973	$	32	$	—		$	2,005
U.S. states and political subdivisions		370,477		24,047		(342	)		394,182
Foreign governments		29,085		3,223		—			32,308
Corporate debt securities		8,047,408		480,818		(89,646	)		8,438,580
Residential mortgage-backed securities		452,074		28,901		(1,883	)		479,092
Collateralized debt securities		2,374		267		—			2,641
Other debt securities		37,686		2,479		—			40,165
Total bonds held-to-maturity		8,941,077		539,767		(91,871	)		9,388,973
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		21,550		889		(2	)		22,437
U.S. states and political subdivisions		601,263		27,328		(10,323	)		618,268
Foreign governments		5,000		1,873		—			6,873
Corporate debt securities		3,613,906		203,991		(42,682	)		3,775,215
Residential mortgage-backed securities		72,178		3,547		(662	)		75,063
Commercial mortgage-backed securities		20,934		12,992		—			33,926
Collateralized debt securities		15,737		1,223		(24	)		16,936
Other debt securities		10,033		1,163		—			11,196
Total bonds available-for-sale		4,360,601		253,006		(53,693	)		4,559,914
Equity securities
Common stock		696,900		497,164		(8,419	)		1,185,645
Preferred stock		27,690		15,361		(93	)		42,958
Total equity securities		724,590		512,525		(8,512	)		1,228,603
Total investments in securities	$	14,026,268	$	1,305,298	$	(154,076	)	$	15,177,490

	December 31, 2012
	Cost or Amortized Cost		Gross Unrealized Gains		Gross Unrealized (Losses)			Estimated Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	3,593	$	69	$	—		$	3,662
U.S. states and political subdivisions		393,541		40,161		(7	)		433,695
Foreign governments		29,071		4,367		—			33,438
Corporate debt securities		7,993,167		748,773		(6,782	)		8,735,158
Residential mortgage-backed securities		549,384		42,313		(1,195	)		590,502
Collateralized debt securities		2,500		321		—			2,821
Other debt securities		38,026		3,449		—			41,475
Total bonds held-to-maturity		9,009,282		839,453		(7,984	)		9,840,751
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		19,649		1,156		—			20,805
U.S. states and political subdivisions		570,751		44,792		(105	)		615,438
Foreign governments		5,000		2,344		—			7,344
Corporate debt securities		3,582,913		303,908		(14,188	)		3,872,633
Residential mortgage-backed securities		89,486		5,165		(266	)		94,385
Commercial mortgage-backed securities		20,933		3,509		—			24,442
Collateralized debt securities		17,676		1,448		(33	)		19,091
Other debt securities		10,059		1,379		—			11,438
Total bonds available-for-sale		4,316,467		363,701		(14,592	)		4,665,576
Equity securities
Common stock		660,889		383,634		(6,739	)		1,037,784
Preferred stock		27,690		9,995		(30	)		37,655
Total equity securities		688,579		393,629		(6,769	)		1,075,439
Total investments in securities	$	14,014,328	$	1,596,783	$	(29,345	)	$	15,581,766

The amortized cost and estimated fair value, by contractual maturity, of fixed maturity securities are shown below (in thousands):

	June 30, 2013
	Bonds Held-to-Maturity				Bonds Available-for-Sale
	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Due in one year or less	$	910,170	$	925,314	$	542,969	$	556,380
Due after one year through five years		2,566,756		2,800,700		1,363,358		1,490,856
Due after five years through ten years		4,913,212		5,084,699		2,048,682		2,097,928
Due after ten years		545,089		573,210		400,592		409,950
Without single maturity date		5,850		5,050		5,000		4,800
Total	$	8,941,077	$	9,388,973	$	4,360,601	$	4,559,914

Actual maturities differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Residential and commercial mortgage-backed securities, which are not due at a single maturity, have been allocated to their respective categories based on the year of final contractual maturity.

Proceeds from the sales of available-for-sale securities, with the related gross realized gains and losses, are shown below (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Proceeds from sales of available-for-sale securities	$	79,191		$	5,632		$	156,048		$	38,305
Gross realized gains		12,612			947			23,350			12,027
Gross realized losses		(4	)		(11	)		(526	)		(170	)

All gains and losses for securities sold throughout the year were determined using specific identification of the securities sold. During the six months ended June 30, 2013, bonds with a carrying value of $13,492,000 were transferred from held-to-maturity to available-for-sale after a significant deterioration in the issuer’s creditworthiness became evident. An unrealized loss of $263,000 was established at the time of the transfer. There were no transfers during the same period in 2012.

Change in net unrealized gains (losses) on securities

The components of the change in net unrealized gains (losses) on securities are shown below (in thousands):

	Six months ended June 30,
	2013			2012
Bonds available-for-sale	$	(149,796	)	$	57,126
Equity securities		117,153			61,405
Change in net unrealized gains (losses) on securities during the year		(32,643	)		118,531
Adjustments for:
Deferred policy acquisition costs		40,596			(22,098	)
Participating policyholders’ interest		248			(4,417	)
Deferred federal income tax benefit (expense)		(3,379	)		(32,279	)
Change in net unrealized gains (losses) on securities, net of tax	$	4,822		$	59,737

Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are shown below (in thousands):

	June 30, 2013
	Less than 12 months					12 Months or more					Total
	Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. states and political subdivisions	$	(342	)	$	10,545	$	—		$	—	$	(342	)	$	10,545
Corporate debt securities		(85,632	)		1,539,954		(4,014	)		36,547		(89,646	)		1,576,501
Residential mortgage-backed securities		(1,164	)		39,401		(719	)		10,982		(1,883	)		50,383
Total bonds held-to-maturity		(87,138	)		1,589,900		(4,733	)		47,529		(91,871	)		1,637,429
Fixed maturity securities, bonds available-for-sale
U.S. treasury and other U.S. government corporations and agencies		(2	)		9,086		—			—		(2	)		9,086
U.S. states and political subdivisions		(10,323	)		135,550		—			—		(10,323	)		135,550
Corporate debt securities		(38,954	)		801,335		(3,728	)		65,663		(42,682	)		866,998
Residential mortgage-backed securities		(514	)		17,684		(148	)		2,011		(662	)		19,695
Collateralized debt securities		(5	)		281		(19	)		698		(24	)		979
Total bonds available-for-sale		(49,798	)		963,936		(3,895	)		68,372		(53,693	)		1,032,308
Equity securities
Common stock		(8,419	)		74,429		—			—		(8,419	)		74,429
Preferred stock		(93	)		1,907		—			—		(93	)		1,907
Total equity securities		(8,512	)		76,336		—			—		(8,512	)		76,336
Total investments in securities	$	(145,448	)	$	2,630,172	$	(8,628	)	$	115,901	$	(154,076	)	$	2,746,073
	December 31, 2012
	Less than 12 months					12 Months or more					Total
	Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value		Unrealized (Losses)			Fair Value
Fixed maturity securities, bonds held-to-maturity
U.S. states and political subdivisions	$	(6	)	$	914	$	(1	)	$	80	$	(7	)	$	994
Corporate debt securities		(4,394	)		319,434		(2,388	)		39,632		(6,782	)		359,066
Residential mortgage-backed securities		(147	)		13,824		(1,048	)		24,666		(1,195	)		38,490
Total bonds held-to-maturity		(4,547	)		334,172		(3,437	)		64,378		(7,984	)		398,550
Fixed maturity securities, bonds available-for-sale
U.S. states and political subdivisions		(105	)		6,523		—			—		(105	)		6,523
Corporate debt securities		(2,077	)		242,261		(12,111	)		70,187		(14,188	)		312,448
Residential mortgage-backed securities		(34	)		1,527		(232	)		8,029		(266	)		9,556
Collateralized debt securities		(8	)		527		(25	)		911		(33	)		1,438
Total bonds available-for-sale		(2,224	)		250,838		(12,368	)		79,127		(14,592	)		329,965
Equity securities
Common stock		(6,739	)		64,003		—			—		(6,739	)		64,003
Preferred stock		(30	)		30		—			—		(30	)		30
Total equity securities		(6,769	)		64,033		—			—		(6,769	)		64,033
Total investments in securities	$	(13,540	)	$	649,043	$	(15,805	)	$	143,505	$	(29,345	)	$	792,548

As of June 30, 2013, the securities with unrealized losses were not deemed to be other-than-temporarily impaired, including those with the duration of the unrealized losses exceeding one year. American National has the ability and intent to hold those securities until a market price recovery or maturity. Further, it is not more-likely-than-not that American National will be required to sell them prior to recovery, and recovery is expected in a reasonable period of time. It is possible the issuer’s financial circumstances may be different in the future, which may lead to a different impairment conclusion in future periods.

Credit Risk Management

The bond portfolio distributed by credit quality rating, using both S&P and Moody’s ratings, is shown below:

	June 30, 2013			December 31, 2012
AAA		5.0	%		5.5	%
AA		10.7			10.6
A		41.0			38.2
BBB		39.4			41.4
BB and below		3.9			4.3
Total		100.0	%		100.0	%

Equity securities by market sector distribution are shown below:

	June 30, 2013			December 31, 2012
Financials		19.6	%		18.9	%
Consumer goods		19.5			20.3
Energy and utilities		16.1			15.8
Information technology		15.7			16.9
Healthcare		12.4			12.7
Industrials		8.7			9.1
Other		8.0			6.3
Total		100.0	%		100.0	%

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Federal Income Taxes - Additional Information (Detail) (USD $)	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Dec. 31, 2012
Income Tax Disclosure [Abstract]
Income taxes paid or refunded, net	$ 24,083,000	$ 7,599,000
Valuation allowance	0		0
Ordinary loss tax carryforwards subject to expiration	14,779,000
Operating loss carryforwards expiration dates	Dec. 31, 2033
Interest or penalties recognized	$ 0	$ 0

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Summary of Significant Accounting Policies and Practices

6 Months Ended

Jun. 30, 2013

Accounting Policies [Abstract]

Summary of Significant Accounting Policies and Practices

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND PRACTICES

The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles (“GAAP”) and are reported in U.S. currency. American National consolidates all entities that are wholly-owned and those in which American National owns less than 100% but controls, as well as any variable interest entities in which American National is the primary beneficiary. All material intercompany transactions with consolidated entities have been eliminated. Investments in unconsolidated affiliates are accounted for using the equity method of accounting. Certain amounts in prior years have been reclassified to conform to current year presentation.

The interim consolidated financial statements and notes herein are unaudited and reflect all adjustments which management considers necessary for the fair presentation of the interim consolidated statements of financial position, operations, comprehensive income (loss), changes in stockholders’ equity, and cash flows.

The interim consolidated financial statements and notes should be read in conjunction with the annual consolidated financial statements and notes thereto included in American National’s Annual Report on Form 10-K as of and for the year ended December 31, 2012. The consolidated results of operations for the interim periods should not be considered indicative of results to be expected for the full year.

The preparation of the consolidated financial statements in conformity with GAAP requires the use of estimates and assumptions that affect the reported consolidated financial statement balances. Actual results could differ from those estimates.

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Investments in Securities - Investment in Securities (Detail) (USD $) In Thousands, unless otherwise specified	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2012
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	$ 724,590	$ 688,579
Available-for-sale securities, Estimated Fair Value	1,228,603	1,075,439
Available-for-sale Securities, Estimated Fair Value	4,559,914	4,665,576
Held-to-maturity securities, Cost or Amortized Cost	8,941,077	9,009,282
Investments in securities, Cost or Amortized cost	14,026,268	14,014,328
Held-to-maturity securities, Gross Unrealized Gains	539,767	839,453
Investments in securities, Gross Unrealized Gains	1,305,298	1,596,783
Held-to-maturity securities, Gross Unrealized (Losses)	(91,871)	(7,984)
Investments in securities, Gross Unrealized Losses	(154,076)	(29,345)
Held-to-maturity securities, Fair Value	9,388,973	9,840,751
Investments in securities, Estimated Fair Value	15,177,490	15,581,766
Preferred Stock [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	27,690	27,690
Available-for-sale securities, Gross Unrealized Gains	15,361	9,995
Available-for-sale securities, Gross Unrealized (Losses)	(93)	(30)
Available-for-sale securities, Estimated Fair Value	42,958	37,655
Common Stock [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	696,900	660,889
Available-for-sale securities, Gross Unrealized Gains	497,164	383,634
Available-for-sale securities, Gross Unrealized (Losses)	(8,419)	(6,739)
Available-for-sale securities, Estimated Fair Value	1,185,645	1,037,784
Equity Securities [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	724,590	688,579
Available-for-sale securities, Gross Unrealized Gains	512,525	393,629
Available-for-sale securities, Gross Unrealized (Losses)	(8,512)	(6,769)
Available-for-sale securities, Estimated Fair Value	1,228,603	1,075,439
U.S. Treasury and Other U.S. Government Corporations and Agencies [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	21,550	19,649
Available-for-sale securities, Gross Unrealized Gains	889	1,156
Available-for-sale securities, Gross Unrealized (Losses)	(2)	0
Available-for-sale Securities, Estimated Fair Value	22,437	20,805
Held-to-maturity securities, Cost or Amortized Cost	1,973	3,593
Held-to-maturity securities, Gross Unrealized Gains	32	69
Held-to-maturity securities, Gross Unrealized (Losses)	0	0
Held-to-maturity securities, Fair Value	2,005	3,662
U.S. States and Political Subdivisions [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	601,263	570,751
Available-for-sale securities, Gross Unrealized Gains	27,328	44,792
Available-for-sale securities, Gross Unrealized (Losses)	(10,323)	(105)
Available-for-sale Securities, Estimated Fair Value	618,268	615,438
Held-to-maturity securities, Cost or Amortized Cost	370,477	393,541
Held-to-maturity securities, Gross Unrealized Gains	24,047	40,161
Held-to-maturity securities, Gross Unrealized (Losses)	(342)	(7)
Held-to-maturity securities, Fair Value	394,182	433,695
Foreign Governments [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	5,000	5,000
Available-for-sale securities, Gross Unrealized Gains	1,873	2,344
Available-for-sale securities, Gross Unrealized (Losses)	0	0
Available-for-sale Securities, Estimated Fair Value	6,873	7,344
Held-to-maturity securities, Cost or Amortized Cost	29,085	29,071
Held-to-maturity securities, Gross Unrealized Gains	3,223	4,367
Held-to-maturity securities, Gross Unrealized (Losses)	0	0
Held-to-maturity securities, Fair Value	32,308	33,438
Corporate Debt Securities [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	3,613,906	3,582,913
Available-for-sale securities, Gross Unrealized Gains	203,991	303,908
Available-for-sale securities, Gross Unrealized (Losses)	(42,682)	(14,188)
Available-for-sale Securities, Estimated Fair Value	3,775,215	3,872,633
Held-to-maturity securities, Cost or Amortized Cost	8,047,408	7,993,167
Held-to-maturity securities, Gross Unrealized Gains	480,818	748,773
Held-to-maturity securities, Gross Unrealized (Losses)	(89,646)	(6,782)
Held-to-maturity securities, Fair Value	8,438,580	8,735,158
Residential Mortgage-Backed Securities [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	72,178	89,486
Available-for-sale securities, Gross Unrealized Gains	3,547	5,165
Available-for-sale securities, Gross Unrealized (Losses)	(662)	(266)
Available-for-sale Securities, Estimated Fair Value	75,063	94,385
Held-to-maturity securities, Cost or Amortized Cost	452,074	549,384
Held-to-maturity securities, Gross Unrealized Gains	28,901	42,313
Held-to-maturity securities, Gross Unrealized (Losses)	(1,883)	(1,195)
Held-to-maturity securities, Fair Value	479,092	590,502
Commercial Mortgage-Backed Securities [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	20,934	20,933
Available-for-sale securities, Gross Unrealized Gains	12,992	3,509
Available-for-sale securities, Gross Unrealized (Losses)	0	0
Available-for-sale Securities, Estimated Fair Value	33,926	24,442
Collateralized Debt Securities [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	15,737	17,676
Available-for-sale securities, Gross Unrealized Gains	1,223	1,448
Available-for-sale securities, Gross Unrealized (Losses)	(24)	(33)
Available-for-sale Securities, Estimated Fair Value	16,936	19,091
Held-to-maturity securities, Cost or Amortized Cost	2,374	2,500
Held-to-maturity securities, Gross Unrealized Gains	267	321
Held-to-maturity securities, Gross Unrealized (Losses)	0	0
Held-to-maturity securities, Fair Value	2,641	2,821
Other Debt Securities [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	10,033	10,059
Available-for-sale securities, Gross Unrealized Gains	1,163	1,379
Available-for-sale securities, Gross Unrealized (Losses)	0	0
Available-for-sale Securities, Estimated Fair Value	11,196	11,438
Held-to-maturity securities, Cost or Amortized Cost	37,686	38,026
Held-to-maturity securities, Gross Unrealized Gains	2,479	3,449
Held-to-maturity securities, Gross Unrealized (Losses)	0	0
Held-to-maturity securities, Fair Value	40,165	41,475
Bonds Available-for-Sale [Member]
Investment [Line Items]
Available-for-sale securities, Cost or Amortized Cost	4,360,601	4,316,467
Available-for-sale securities, Gross Unrealized Gains	253,006	363,701
Available-for-sale securities, Gross Unrealized (Losses)	(53,693)	(14,592)
Available-for-sale Securities, Estimated Fair Value	$ 4,559,914	$ 4,665,576

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Investment Real Estate (Tables)

6 Months Ended

Jun. 30, 2013

Banking And Thrift [Abstract]

Investment Real Estate by Property-Type and Geographic Distribution

Investment real estate by property-type and geographic distribution are as follows:

	June 30, 2013			December 31, 2012
Shopping centers		33.4	%		41.0	%
Office buildings		25.7			21.9
Industrial		17.8			18.1
Other		23.1			19.0
Total		100.0	%		100.0	%
	June 30, 2013			December 31, 2012
West South Central		58.8	%		60.8	%
South Atlantic		10.7			11.2
East North Central		8.9			10.3
Mountain		6.9			6.2
East South Central		6.4			5.3
Other		8.3			6.2
Total		100.0	%		100.0	%

Assets and Liabilities Related to VIEs

The assets and liabilities relating to VIEs which are consolidated in American National’s financial statements are as follows (in thousands):

	June 30, 2013		December 31, 2012
Investment real estate	$	113,879	$	162,502
Short-term investments		674		969
Cash and cash equivalents		2,326		3,671
Accrued investment income		1,927		2,641
Other receivables		8,699		11,709
Other assets		4,603		6,487
Total assets of consolidated VIEs	$	132,108	$	187,979
Notes payable	$	114,736	$	163,384
Other liabilities		4,153		6,647
Total liabilities of consolidated VIEs	$	118,889	$	170,031

Carrying Amount and Maximum Exposure to Loss Related to VIEs

The following table presents the carrying amount and maximum exposure to loss relating to unconsolidated VIEs (in thousands):

	June 30, 2013				December 31, 2012
	Carrying Amount		Maximum Exposure to Loss		Carrying Amount		Maximum Exposure to Loss
Investment in unconsolidated affiliates	$	133,192	$	133,192	$	81,548	$	81,548

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Deferred Policy Acquisition Costs (Tables)

6 Months Ended

Jun. 30, 2013

Insurance [Abstract]

Deferred Policy Acquisition Costs

Deferred policy acquisition costs and premiums are shown below (in thousands):

							Accident			Property &
	Life			Annuity			& Health			Casualty			Total
Beginning balance 2013	$	653,416		$	406,540		$	49,206		$	138,513		$	1,247,675
Additions		49,227			25,896			5,440			103,960			184,523
Amortization		(34,912	)		(43,155	)		(7,413	)		(111,346	)		(196,826	)
Effect of change in unrealized gains on available-for-sale securities		4,732			35,864			—			—			40,596
Net change		19,047			18,605			(1,973	)		(7,386	)		28,293
Ending balance at June 30, 2013	$	672,463		$	425,145		$	47,233		$	131,127		$	1,275,968

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Liability for Unpaid Claims and Claim Adjustment Expenses - Additional Information (Detail) (USD $)	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Insurance [Abstract]
Description of increase (decrease) in claims and claim adjustment expenses	The net and gross reserve calculations have shown favorable development for the last several years as a result of favorable loss emergence compared to what was implied by the loss development patterns used in the original estimation	The net and gross reserve calculations have shown favorable development for the last several years as a result of favorable loss emergence compared to what was implied by the loss development patterns used in the original estimation
Increase (decrease) in claims and claim adjustments expenses amount	$ 18,633,000	$ 37,244,000

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Segment Information (Tables)

6 Months Ended

Jun. 30, 2013

Segment Reporting [Abstract]

Summary of Results of Operations by Operating Segments

The following summarizes results of operations by operating segments (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013		2012
Income (loss) from continuing operations before federal income taxes and equity in earnings/losses of unconsolidated affiliates
Life	$	8,411		$	19,258		$	14,415	$	26,813
Annuity		23,668			23,882			51,002		47,614
Health		9,680			6,260			8,994		4,810
Property and casualty		(4,345	)		(36,409	)		8,564		(11,848	)
Corporate and other		46,796			5,649			63,383		14,622
Total	$	84,210		$	18,640		$	146,358	$	82,011

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Liability for Unpaid Claims and Claim Adjustment Expenses - Liability for Unpaid Claims and Claim Adjustment Expenses (Detail) (USD $) In Thousands, unless otherwise specified			6 Months Ended
	Jun. 30, 2013	Dec. 31, 2012	Jun. 30, 2013 Property and Casualty Accident and Health [Member]	Jun. 30, 2012 Property and Casualty Accident and Health [Member]
Liability For Unpaid Claims And Claims Adjustment Expense Net
Unpaid claims balance, beginning			$ 1,168,047	$ 1,180,259
Less reinsurance recoverables	392,968	418,743	256,885	235,174
Net beginning balance			911,162	945,085
Incurred related to
Current			492,192	553,846
Prior years			(18,633)	(37,244)
Total incurred claims			473,559	516,602
Paid claims related to
Current			262,490	268,889
Prior years			210,013	220,479
Total paid claims			472,503	489,368
Net balance			912,218	972,319
Plus reinsurance recoverables	392,968	418,743	241,079	233,344
Unpaid claims balance, ending			$ 1,153,297	$ 1,205,663

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Mortgage Loans - Loans Individually Evaluated for Impairment With and Without Allowance (Recorded Investment and Unpaid Principal Balance) (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Financing Receivable, Impaired [Line Items]
Recorded Investment	$ 22,209	$ 0
Unpaid Principal Balance	23,871	493
Recorded Investment	91,389	109,044
Unpaid Principal Balance	91,389	109,044
Office [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	22,209	0
Unpaid Principal Balance	23,378	0
Recorded Investment	19,375	36,544
Unpaid Principal Balance	19,375	36,544
Retail [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	0	0
Unpaid Principal Balance	493	493
Recorded Investment	17,152	17,180
Unpaid Principal Balance	17,152	17,180
Other [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment	54,862	55,320
Unpaid Principal Balance	$ 54,862	$ 55,320

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Mortgage Loans - Commercial Mortgage Loans Placed on Nonaccrual Status (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amounts of commercial mortgage loans	$ 19,574	$ 13,354
Retail [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amounts of commercial mortgage loans	13,354	13,354
Office [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amounts of commercial mortgage loans	$ 6,220	$ 0

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Investments in Securities - Change in Net Unrealized Gains (Losses) on Available-for-Sale Securities (Detail) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Schedule of Available-for-sale Securities [Line Items]
Change in net unrealized gains (losses) on securities during the year	$ (32,643)	$ 118,531
Adjustments for:
Deferred policy acquisition costs	40,596	(22,098)
Participating policyholders' interest	248	(4,417)
Deferred federal income tax benefit (expense)	(3,379)	(32,279)
Change in net unrealized gains (losses) on securities, net of tax	4,822	59,737
Bonds Available-for-Sale [Member]
Schedule of Available-for-sale Securities [Line Items]
Change in net unrealized gains (losses) on securities during the year	(149,796)	57,126
Equity Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Change in net unrealized gains (losses) on securities during the year	$ 117,153	$ 61,405

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Consolidated Statements of Financial Position (Parenthetical) (USD $) In Thousands, except Share data, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Statement Of Financial Position [Abstract]
Fair value of bonds held-to-maturity	$ 9,388,973	$ 9,840,751
Amortized cost of bonds available-for-sale	4,360,601	4,316,467
Cost of equity securities	724,590	688,579
Accumulated depreciation of investment real estate	$ 212,186	$ 223,462
Common stock, par value	$ 1.00	$ 1.00
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	30,832,449	30,832,449
Common stock, shares outstanding	26,893,544	26,836,664

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Derivative Instruments

6 Months Ended

Jun. 30, 2013

Derivative Instruments And Hedging Activities Disclosure [Abstract]

Derivative Instruments

7. DERIVATIVE INSTRUMENTS

American National purchases over-the-counter equity-indexed options as economic hedges against fluctuations in the equity markets to which equity-indexed products are exposed. Equity-indexed contracts include a fixed host universal-life or annuity contract and an equity-indexed embedded derivative. The detail of derivative instruments is shown below (in thousands):

Derivatives Not Designated as Hedging Instruments	Location in the Consolidated Statements of Financial Position	June 30, 2013						December 31, 2012
		Number of Instruments		Notional Amounts		Estimated Fair Value		Number of Instruments		Notional Amounts		Estimated Fair Value
Equity-indexed options	Other invested assets		366	$	884,100	$	115,558		356	$	846,900	$	82,625
Equity-indexed embedded derivative	Future policy benefits		28,400		760,300		100,963		22,941		722,500		75,032

	Location in the Consolidated Statements of Operations	Gains (Losses) Recognized in Income on Derivatives
Derivatives Not Designated		Three months ended June 30,						Six months ended June 30,
as Hedging Instruments		2013			2012			2013			2012
Equity-indexed options	Net investment income	$	10,419		$	(8,189	)	$	34,759		$	11,458
Equity-indexed embedded derivative	Interest credited to policyholders’ account balances		(8,047	)		9,447			(28,694	)		(9,010	)

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Consolidated Statements of Comprehensive Income (Loss) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Statement Of Partners Capital [Abstract]
Net income (loss)	$ 60,483	$ 21,338	$ 119,891	$ 65,845
Other comprehensive income (loss), net of tax
Change in net unrealized gain (loss) on securities	(57,897)	(16,794)	4,822	59,737
Foreign currency transaction and translation adjustments	265	178	414	330
Defined benefit plan adjustment	2,875	2,125	5,751	4,793
Other comprehensive income (loss), net of tax	(54,757)	(14,491)	10,987	64,860
Total comprehensive income (loss)	5,726	6,847	130,878	130,705
Less: Comprehensive income (loss) attributable to noncontrolling interest	2,314	832	1,751	123
Total comprehensive income (loss) attributable to American National Insurance Company	$ 3,412	$ 6,015	$ 129,127	$ 130,582

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Investment Real Estate - Assets and Liabilities Related to VIEs (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012	Jun. 30, 2012	Dec. 31, 2011
Variable Interest Entity [Line Items]
Investment real estate	$ 437,748	$ 511,233
Short-term investments	171,785	313,086
Cash and cash equivalents	113,870	303,008	150,746	102,114
Accrued investment income	199,591	207,314
Other assets	207,046	154,911
Other liabilities	438,835	432,041
Variable Interest Entity, Primary Beneficiary [Member]
Variable Interest Entity [Line Items]
Investment real estate	113,879	162,502
Short-term investments	674	969
Cash and cash equivalents	2,326	3,671
Accrued investment income	1,927	2,641
Other receivables	8,699	11,709
Other assets	4,603	6,487
Total assets of consolidated VIEs	132,108	187,979
Notes payable	114,736	163,384
Other liabilities	4,153	6,647
Total liabilities of consolidated VIEs	$ 118,889	$ 170,031

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Consolidated Statements of Financial Position (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
ASSETS
Fixed maturity, bonds held-to-maturity, at amortized cost (Fair Value $9,388,973 and $9,840,751)	$ 8,941,077	$ 9,009,282
Fixed maturity, bonds available-for-sale, at fair value (Amortized cost $4,360,601 and $4,316,467)	4,559,914	4,665,576
Equity securities, at fair value (Cost $724,590 and $688,579)	1,228,603	1,075,439
Mortgage loans on real estate, net of allowance	3,240,456	3,143,011
Policy loans	393,272	395,333
Investment real estate, net of accumulated depreciation of $212,186 and $223,462	437,748	511,233
Short-term investments	171,785	313,086
Other invested assets	156,837	125,104
Total investments	19,129,692	19,238,064
Cash and cash equivalents	113,870	303,008
Investments in unconsolidated affiliates	293,479	248,425
Accrued investment income	199,591	207,314
Reinsurance recoverables	392,968	418,743
Prepaid reinsurance premiums	52,775	56,826
Premiums due and other receivables	308,601	283,446
Deferred policy acquisition costs	1,275,968	1,247,675
Property and equipment, net	98,102	92,695
Current tax receivable	6,699	14,578
Other assets	207,046	154,911
Separate account assets	885,773	841,389
Total assets	22,964,564	23,107,074
LIABILITIES
Life	2,661,007	2,650,822
Annuity	844,304	811,192
Accident and health	67,147	69,962
Policyholders' account balances	11,267,213	11,555,201
Policy and contract claims	1,304,120	1,340,366
Unearned premium reserve	773,049	757,532
Other policyholder funds	298,284	288,391
Liability for retirement benefits	270,745	265,317
Current portion of long-term notes payable	2,236	50,884
Long-term notes payable	112,500	112,500
Deferred tax liabilities, net	106,501	92,150
Other liabilities	438,835	432,041
Separate account liabilities	885,773	841,389
Total liabilities	19,031,714	19,267,747
STOCKHOLDERS' EQUITY
Common stock, $1.00 par value, - Authorized 50,000,000 Issued 30,832,449 and 30,832,449, Outstanding 26,893,544 and 26,836,664 shares	30,832	30,832
Additional paid-in capital	3,260	0
Accumulated other comprehensive income	252,997	242,010
Retained earnings	3,730,002	3,653,280
Treasury stock, at cost	(97,463)	(98,286)
Total American National Insurance Company stockholders' equity	3,919,628	3,827,836
Noncontrolling interest	13,222	11,491
Total stockholders' equity	3,932,850	3,839,327
Total liabilities and stockholders' equity	$ 22,964,564	$ 23,107,074

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Mortgage Loans - Age Analysis of Past Due Commercial Mortgage Loans (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	$ 18,866	$ 0
60-89 Days Past Due	0	0
Greater Than 90 Days	19,574	13,354
Total Past Due	38,440	13,354
Current	3,215,697	3,141,669
Mortgage loans on Real estate, gross	3,254,137	3,155,023
Allowance for loan losses	13,681	12,012
Mortgage loans on real estate, net of allowance	3,240,456	3,143,011
Office [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	18,866	0
60-89 Days Past Due	0	0
Greater Than 90 Days	6,220	0
Total Past Due	25,086	0
Current	992,988	1,100,407
Mortgage loans on Real estate, gross	1,018,074	1,100,407
Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days	0	0
Total Past Due	0	0
Current	841,027	755,198
Mortgage loans on Real estate, gross	841,027	755,198
Retail [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days	13,354	13,354
Total Past Due	13,354	13,354
Current	622,970	547,472
Mortgage loans on Real estate, gross	636,324	560,826
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days	0	0
Total Past Due	0	0
Current	758,712	738,592
Mortgage loans on Real estate, gross	$ 758,712	$ 738,592

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Stockholders' Equity and Noncontrolling Interests - Stock-Based Compensation Information (Detail) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012	Dec. 31, 2012
Stock Appreciation Rights [Member]
Authorized Classes Of Cumulative Preferred And Preference Stocks [Line Items]
Beginning balance, Shares			108,951
Granted, Shares			0
Exercised, Shares			(1,233)
Forfeited, Shares			(334)
Expired, Shares			(13,733)
Ending balance, Shares	93,651		93,651
Weighted-Average Grant Date Fair Value, Beginning balance			$ 111.31
Weighted-Average Grant Date Fair Value, Granted			$ 0.00
Weighted-Average Grant Date Fair Value, Exercised			$ 68.57
Weighted-Average Grant Date Fair Value, Forfeited			$ 96.53
Weighted-Average Grant Date Fair Value, Expired			$ 107.79
Weighted-Average Grant Date Fair Value, Ending balance	$ 112.44		$ 112.44
Weighted-average contractual remaining life			2 years 7 months 6 days
Weighted-average exercise price			$ 112.44
Exercisable shares	91,999		91,999
Weighted-average exercise price Exercisable shares	$ 112.86		$ 112.86
Compensation expense (credits)	$ 42,000	$ (1,000)	$ 73,000	$ (3,000)
Fair value of liability award	76,000		76,000		3,000
Restricted Stock Awards [Member]
Authorized Classes Of Cumulative Preferred And Preference Stocks [Line Items]
Beginning balance, Shares			185,334
Granted, Shares			10,000
Exercised, Shares			0
Forfeited, Shares			0
Expired, Shares			0
Ending balance, Shares	195,334		195,334
Weighted-Average Grant Date Fair Value, Beginning balance			$ 109.13
Weighted-Average Grant Date Fair Value, Granted			$ 80.05
Weighted-Average Grant Date Fair Value, Exercised			$ 0.00
Weighted-Average Grant Date Fair Value, Forfeited			$ 0.00
Weighted-Average Grant Date Fair Value, Expired			$ 0.00
Weighted-Average Grant Date Fair Value, Ending balance	$ 107.64		$ 107.64
Weighted-average contractual remaining life			4 years 7 months 6 days
Weighted-average exercise price			$ 107.64
Compensation expense (credits)	524,000	669,000	1,029,000	1,339,000
Restricted Stock Units [Member]
Authorized Classes Of Cumulative Preferred And Preference Stocks [Line Items]
Beginning balance, Shares			127,059
Granted, Shares			71,084
Exercised, Shares			(74,679)
Forfeited, Shares			(396)
Expired, Shares			0
Ending balance, Shares	123,068		123,068
Weighted-Average Grant Date Fair Value, Beginning balance			$ 75.06
Weighted-Average Grant Date Fair Value, Granted			$ 80.05
Weighted-Average Grant Date Fair Value, Exercised			$ 77.03
Weighted-Average Grant Date Fair Value, Forfeited			$ 77.20
Weighted-Average Grant Date Fair Value, Expired			$ 0.00
Weighted-Average Grant Date Fair Value, Ending balance	$ 76.73		$ 76.73
Weighted-average contractual remaining life			2 years 3 months 18 days
Weighted-average exercise price			$ 76.73
Exercisable shares	0		0
Compensation expense (credits)	2,716,000	5,819,000	8,283,000	7,312,000
Fair value of liability award	$ 11,154,000		$ 11,154,000		$ 7,974,000

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Accumulated Other Comprehensive Income (Loss) - Components of Other Comprehensive Income (Loss) (Detail) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated Other Comprehensive Income, Beginning balance	$ 242,010	$ 159,403
Unrealized holding gains (losses) arising during the period, net of tax expense	(6,739)	81,202
Unrealized adjustment to DAC, net of tax benefit	25,774	(14,496)
Unrealized (gains) losses on investments attributable to participating policyholders' interest, net of tax benefit	161	(2,871)
Foreign currency adjustment, net of tax expense	414	330
Amounts reclassified from AOCI, net of tax benefit (expense)	(8,623)	695
Accumulated Other Comprehensive Income, Ending balance	252,997	224,263
Net Unrealized Gains/(Losses) on Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated Other Comprehensive Income, Beginning balance	370,842	274,837
Unrealized holding gains (losses) arising during the period, net of tax expense	(6,739)	81,202
Unrealized adjustment to DAC, net of tax benefit	25,774	(14,496)
Unrealized (gains) losses on investments attributable to participating policyholders' interest, net of tax benefit	161	(2,871)
Amounts reclassified from AOCI, net of tax benefit (expense)	(14,374)	(4,098)
Accumulated Other Comprehensive Income, Ending balance	375,664	334,574
Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated Other Comprehensive Income, Beginning balance	(129,003)	(115,485)
Amounts reclassified from AOCI, net of tax benefit (expense)	5,751	4,793
Accumulated Other Comprehensive Income, Ending balance	(123,252)	(110,692)
Foreign Currency Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated Other Comprehensive Income, Beginning balance	171	51
Foreign currency adjustment, net of tax expense	414	330
Amounts reclassified from AOCI, net of tax benefit (expense)	0	0
Accumulated Other Comprehensive Income, Ending balance	$ 585	$ 381

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Derivative Instruments (Tables)

6 Months Ended

Jun. 30, 2013

Derivative Instruments And Hedging Activities Disclosure [Abstract]

Schedule of Derivative Instruments Reported in Financial Position

The detail of derivative instruments is shown below (in thousands):

Derivatives Not Designated as Hedging Instruments	Location in the Consolidated Statements of Financial Position	June 30, 2013						December 31, 2012
		Number of Instruments		Notional Amounts		Estimated Fair Value		Number of Instruments		Notional Amounts		Estimated Fair Value
Equity-indexed options	Other invested assets		366	$	884,100	$	115,558		356	$	846,900	$	82,625
Equity-indexed embedded derivative	Future policy benefits		28,400		760,300		100,963		22,941		722,500		75,032

Schedule of Derivative Instruments Reported in Statements of Operations

	Location in the Consolidated Statements of Operations	Gains (Losses) Recognized in Income on Derivatives
Derivatives Not Designated		Three months ended June 30,						Six months ended June 30,
as Hedging Instruments		2013			2012			2013			2012
Equity-indexed options	Net investment income	$	10,419		$	(8,189	)	$	34,759		$	11,458
Equity-indexed embedded derivative	Interest credited to policyholders’ account balances		(8,047	)		9,447			(28,694	)		(9,010	)

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Commitments and Contingencies

6 Months Ended

Jun. 30, 2013

Commitments And Contingencies Disclosure [Abstract]

Commitments and Contingencies

16. COMMITMENTS AND CONTINGENCIES

Commitments

American National had aggregate commitments at June 30, 2013, to purchase, expand or improve real estate, to fund fixed interest into mortgage loans, and to purchase other invested assets of $378,298,000, of which $271,163,000 is expected to be funded in 2013. The remaining $107,135,000 will be funded in 2014 and beyond.

In September 2012, American National renewed an existing $100,000,000 short-term variable rate borrowing facility containing a $55,000,000 sub-feature for the issuance of letters of credit. Borrowings under the facility are at the discretion of the lender and would be used only for funding working capital requirements. The combination of borrowings and outstanding letters of credit cannot exceed $100,000,000 at any time. As of June 30, 2013 and December 31, 2012, the outstanding letters of credit were $33,495,000 and $33,696,000, respectively, and there were no borrowings on this facility to meet liquidity requirements. This facility expires on September 30, 2013. American National expects it will be renewed on substantially equivalent terms upon expiration.

Guarantees

American National has guaranteed bank loans for customers of a third-party marketing operation. The bank loans are used to fund premium payments on life insurance policies issued by American National. The loans are secured by the cash values of the life insurance policies. If the customer were to default on the bank loan, American National would be obligated to pay off the loans. As the cash values of the life insurance policies always equal or exceed the balance of the loans, management does not foresee any loss on these guarantees. The total amount of the guarantees outstanding as of June 30, 2013, was approximately $206,376,000, while the total cash values of the related life insurance policies was approximately $211,055,000.

Litigation

American National and certain subsidiaries, in common with the insurance industry in general, are defendants in various lawsuits concerning alleged breaches of contracts, various employment matters, allegedly deceptive insurance sales and marketing practices, and miscellaneous other causes of action arising in the ordinary course of operations. Certain of these lawsuits include claims for compensatory and punitive damages. We provide accruals for these items to the extent we deem the losses probable and reasonably estimable. After reviewing these matters with legal counsel, based upon information presently available, management is of the opinion that the ultimate resultant liability, if any, would not have a material adverse effect on American National’s consolidated financial position, liquidity or results of operations; however, assessing the eventual outcome of litigation necessarily involves forward-looking speculation as to judgments to be made by judges, juries and appellate courts in the future. Such speculation warrants caution, as the frequency of large damage awards, which bear little or no relation to the economic damages incurred by plaintiffs in some jurisdictions, continues to create the potential for an unpredictable judgment in any given lawsuit. These lawsuits are in various stages of development, and future facts and circumstances could result in management’s changing its conclusions. It is possible that, if the defenses in these lawsuits are not successful, and the judgments are greater than management can anticipate, the resulting liability could have a material impact on our consolidated financial position, liquidity or results of operations. With respect to the existing litigation, management currently believes that the possibility of a material judgment adverse to American National is remote and no estimate of range can be made for loss contingencies that are at least reasonably possible but not accrued.

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Investments in Securities - Additional Information (Detail) (USD $)	6 Months Ended
	Jun. 30, 2013
Held To Maturity Securities Sales Or Transfers Of Investments [Abstract]
Securities transferred from held-to-maturity to available-for-sale	$ 13,492,000
Unrealized gain (loss), transferred securities	$ (263,000)

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Stockholders' Equity and Noncontrolling Interests - Additional Information (Detail) (USD $)	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Jun. 30, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock, par value	$ 1.00	$ 1.00	$ 1.00
Common stock, shares authorized	50,000,000	50,000,000	50,000,000
Maximum limit of shares available for grants under stock-based compensation plan	2,900,000	2,900,000
Maximum limit of shares granted to any one individual in any calendar year		200,000
Description of regulatory capital requirement		American National Insurance Company's payment of dividends to stockholders is restricted by statutory regulations. The restrictions require life insurance companies to maintain minimum amounts of capital and surplus, and in the absence of special approval, limit the payment of dividends to the greater of statutory net gain from operations on an annual, non-cumulative basis, or 10% of statutory surplus. Additionally, insurance companies are not permitted to distribute the excess of stockholders' equity, as determined on a GAAP basis over that determined on a statutory basis
Company's statutory capital and surplus	$ 2,366,474,000	$ 2,366,474,000	$ 2,260,268,000
Net assets of insurance subsidiaries	1,513,935,000	1,513,935,000	1,535,082,000
Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Lapse restrictions on restricted stock awards		10 years
Shares available for grant		350,334
Exercise price of Restricted shares granted		$ 0
Number of shares unvested	195,334	195,334
Restricted Stock Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Reclassification of equity to liability			7,974,000
Incremental cost of modification	$ 1,623,000	$ 3,031,000
Restricted Stock Units [Member] | Graded Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		3 years
Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rate per year		20.00%
Vesting period		5 years
Expiration of vesting period		5 years

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Mortgage Loans - Loans Individually Evaluated for Impairment With and Without Allowance (Average Recorded Investment and Interest Income Recognized) (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 100,113	$ 108,913	$ 91,708	$ 105,936
Interest Income Recognized	1,219	1,487	3,039	3,448
Office [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	27,904	26,064	19,417	45,358
Interest Income Recognized	30	1,377	643	1,482
Average Recorded Investment	22,209	0	23,450	0
Interest Income Recognized	799	0	799	0
Industrial [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	0	890
Interest Income Recognized	0	0
Retail [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	17,166	22,261	17,166	15,224
Interest Income Recognized	282	(193)	565	446
Other [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	55,043	59,698	55,125	45,354
Interest Income Recognized	$ 907	$ 303	$ 1,831	$ 1,520

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Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Value of Financial Instruments (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Financial assets
Held-to-maturity, fair value disclosure	$ 9,388,973	$ 9,840,751
Separate account assets, fair value disclosure	885,773	841,389
Financial liabilities
Separate account liabilities, fair value disclosure	885,773	841,389
Carrying Amount [Member]
Financial assets
Held-to-maturity, fair value disclosure	8,941,077	9,009,282
Equity Indexed Options, fair value disclosure	115,558	82,625
Short-term investments, fair value disclosure	171,785	313,086
Separate account assets, fair value disclosure	885,773	841,389
Total financial assets, fair value disclosure	19,536,438	19,525,741
Financial liabilities
Liabilities related to investment contracts, fair value disclosure	9,581,289	9,987,431
Embedded derivative liability for equity-indexed contracts, fair value disclosure	100,963	75,032
Notes payable, fair value disclosure	114,736	163,384
Separate account liabilities, fair value disclosure	885,773	841,389
Total financial liabilities, fair value disclosure	10,682,761	11,067,236
Carrying Amount [Member] | Mortgage Loans on Real Estate [Member]
Financial assets
Loans receivable, fair value disclosure	3,240,456	3,143,011
Carrying Amount [Member] | Policy Loans [Member]
Financial assets
Loans receivable, fair value disclosure	393,272	395,333
Carrying Amount [Member] | Bonds Available-for-Sale [Member]
Financial assets
Available-for-sale securities fair value disclosure	4,559,914	4,665,576
Carrying Amount [Member] | Equity Securities [Member]
Financial assets
Available-for-sale securities fair value disclosure	1,228,603	1,075,439
Estimated Fair Value [Member]
Financial assets
Held-to-maturity, fair value disclosure	9,388,973	9,840,751
Equity Indexed Options, fair value disclosure	115,558	82,625
Short-term investments, fair value disclosure	171,785	313,086
Separate account assets, fair value disclosure	885,773	841,389
Total financial assets, fair value disclosure	20,185,554	20,655,844
Financial liabilities
Liabilities related to investment contracts, fair value disclosure	9,581,289	9,987,431
Embedded derivative liability for equity-indexed contracts, fair value disclosure	100,963	75,032
Notes payable, fair value disclosure	114,736	163,384
Separate account liabilities, fair value disclosure	885,773	841,389
Total financial liabilities, fair value disclosure	10,682,761	11,067,236
Estimated Fair Value [Member] | Mortgage Loans on Real Estate [Member]
Financial assets
Loans receivable, fair value disclosure	3,441,676	3,441,645
Estimated Fair Value [Member] | Policy Loans [Member]
Financial assets
Loans receivable, fair value disclosure	393,272	395,333
Estimated Fair Value [Member] | Bonds Available-for-Sale [Member]
Financial assets
Available-for-sale securities fair value disclosure	4,559,914	4,665,576
Estimated Fair Value [Member] | Equity Securities [Member]
Financial assets
Available-for-sale securities fair value disclosure	$ 1,228,603	$ 1,075,439

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Nature of Operations - Additional Information (Detail)	Jun. 30, 2013 State
Organization Consolidation And Presentation Of Financial Statements [Abstract]
Number of States	50

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Accumulated Other Comprehensive Income (Loss) (Tables)

6 Months Ended

Jun. 30, 2013

Equity [Abstract]

Components of Other Comprehensive Income (Loss)

The components of and changes in the accumulated other comprehensive income (loss) (“AOCI”), and the related tax effects, are shown below (in thousands):

	Net Unrealized Gains/(Losses) on Securities			Defined Benefit Pension Plan Adjustments			Foreign Currency Adjustments		AOCI
Beginning balance 2012	$	274,837		$	(115,485	)	$	51	$	159,403
Unrealized holding gains (losses) arising during the period (net of tax expense $43,724)		81,202								81,202
Unrealized adjustment to DAC (net of tax benefit $7,602)		(14,496	)							(14,496	)
Unrealized (gains) losses on investments attributable to participating policyholders’ interest (net of tax benefit $1,546)		(2,871	)							(2,871	)
Foreign currency adjustment (net of tax expense $178)								330		330
Amounts reclassified from AOCI (net of tax benefit $2,297 and expense $2,581)		(4,098	)		4,793			—		695
Ending balance at June 30, 2012	$	334,574		$	(110,692	)	$	381	$	224,263
Beginning balance 2013	$	370,842		$	(129,003	)	$	171	$	242,010
Unrealized holding gains (losses) arising during the period (net of tax benefit $3,628)		(6,739	)							(6,739	)
Unrealized adjustment to DAC (net of tax expense $14,822)		25,774								25,774
Unrealized (gains) losses on investments attributable to participating policyholders’ interest (net of tax expense $87)		161								161
Foreign currency adjustment (net of tax expense $223)								414		414
Amounts reclassified from AOCI (net of tax benefit $7,902 and expense $3,097)		(14,374	)		5,751			—		(8,623	)
Ending balance at June 30, 2013	$	375,664		$	(123,252	)	$	585	$	252,997

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Stockholders' Equity and Noncontrolling Interests (Tables)

6 Months Ended

Jun. 30, 2013

Equity [Abstract]

Common Stock, Amounts Outstanding

The amounts outstanding at the dates indicated are shown below:

	June 30,			December 31,
	2013			2012
Common stock
Shares issued		30,832,449			30,832,449
Treasury shares		(3,938,905	)		(3,995,785	)
Outstanding shares		26,893,544			26,836,664
Restricted shares		(195,334	)		(185,334	)
Unrestricted outstanding shares		26,698,210			26,651,330

Stock-Based Compensation Information

SAR, RS and RSU information for the periods indicated is shown below:

	SAR					RS Shares				RS Units
	Shares			Weighted- Average Grant Date Fair Value		Shares		Weighted- Average Grant Date Fair Value		Units			Weighted- Average Grant Date Fair Value
Outstanding at December 31, 2012		108,951		$	111.31		185,334	$	109.13		127,059		$	75.06
Granted		—			—		10,000		80.05		71,084			80.05
Exercised		(1,233	)		68.57		—		—		(74,679	)		77.03
Forfeited		(334	)		96.53		—		—		(396	)		77.20
Expired		(13,733	)		107.79		—		—		—			—
Outstanding at June 30, 2013		93,651		$	112.44		195,334	$	107.64		123,068		$	76.73

	SAR			RS Shares		RS Units
Weighted-average contractual remaining life		2.60			4.60		2.30
Weighted-average exercise price	$	112.44		$	107.64	$	76.73
Exercisable shares		91,999			N/A		—
Weighted-average exercise price Exercisable shares	$	112.86			N/A		N/A
Compensation expense (credits)
Three months ended June 30, 2013		42,000			524,000		2,716,000
Three months ended June 30, 2012		(1,000	)		669,000		5,819,000
Six months ended June 30, 2013		73,000			1,029,000		8,283,000
Six months ended June 30, 2012		(3,000	)		1,339,000		7,312,000
Fair value of liability award
June 30, 2013		76,000			N/A		11,154,000
December 31, 2012		3,000			N/A		7,974,000

Summary of Basic and Diluted Earnings Per Share

The Restricted Stock awards and units resulted in diluted earnings per share as follows (in thousands, except share-related data):

	Three months ended June 30,				Six months ended June 30,
	2013		2012		2013		2012
Weighted average shares outstanding		26,779,969		26,685,128		26,777,029		26,675,405
Incremental shares from RS awards and RSUs		121,378		169,467		117,769		172,853
Total shares for diluted calculations		26,901,347		26,854,595		26,894,798		26,848,258
Net income (loss) attributable to American National Insurance Company	$	58,169	$	20,506	$	118,140	$	65,722
Basic earnings (loss) per share	$	2.17	$	0.77	$	4.41	$	2.46
Diluted earnings (loss) per share		2.16		0.76		4.39		2.45

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Investment Real Estate

6 Months Ended

Jun. 30, 2013

Banking And Thrift [Abstract]

Investment Real Estate

6. INVESTMENT REAL ESTATE

Investment real estate by property-type and geographic distribution are as follows:

	June 30, 2013			December 31, 2012
Shopping centers		33.4	%		41.0	%
Office buildings		25.7			21.9
Industrial		17.8			18.1
Other		23.1			19.0
Total		100.0	%		100.0	%
	June 30, 2013			December 31, 2012
West South Central		58.8	%		60.8	%
South Atlantic		10.7			11.2
East North Central		8.9			10.3
Mountain		6.9			6.2
East South Central		6.4			5.3
Other		8.3			6.2
Total		100.0	%		100.0	%

American National and its wholly-owned subsidiaries regularly invest in real estate partnerships and joint ventures. American National participates in the design of these entities with the sponsor, but in most cases, its involvement is limited to financing. Through analysis performed by American National, some of these partnerships and joint ventures have been determined to be variable interest entities (“VIEs”). In certain instances, in addition to an economic interest in the entity, American National holds the power to direct the most significant activities of the entity and is deemed the primary beneficiary or consolidator of the entity. The assets of the consolidated VIEs are restricted and must be used first to settle the liabilities of the VIE. Creditors or beneficial interest holders of these VIEs have no recourse to the general credit of American National, as American National’s obligation is limited to the amount of its committed investment. American National has not provided financial or other support to the VIEs in the form of liquidity arrangements, guarantees, or other commitments to third parties that may affect the fair value or risk of its variable interest in the VIEs in 2013 or 2012.

The assets and liabilities relating to VIEs which are consolidated in American National’s financial statements are as follows (in thousands):

	June 30, 2013		December 31, 2012
Investment real estate	$	113,879	$	162,502
Short-term investments		674		969
Cash and cash equivalents		2,326		3,671
Accrued investment income		1,927		2,641
Other receivables		8,699		11,709
Other assets		4,603		6,487
Total assets of consolidated VIEs	$	132,108	$	187,979
Notes payable	$	114,736	$	163,384
Other liabilities		4,153		6,647
Total liabilities of consolidated VIEs	$	118,889	$	170,031

The total notes payable in the consolidated statements of financial position pertain to the borrowings of American National Insurance Company’s consolidated VIEs. The liability of American National Insurance Company on notes payable of the consolidated VIEs is limited to the amount of its direct or indirect investment in the respective ventures, which totaled $12,740,000 and $18,063,000 at June 30, 2013 and December 31, 2012, respectively. The average interest rate on the current portion of the notes payable was 4.0% during 2013. The total long-term portion of notes payable consists of three notes with the following interest rates: 4.0%, adjusted LIBOR plus 1.0% and adjusted LIBOR plus 2.5%. Of the long-term notes payable, $12,500,000 will mature in 2016, with the remainder maturing beyond 5 years.

For other VIEs in which American National is a partner, it is not the primary beneficiary and these entities were not consolidated, as the major decisions that most significantly impact the economic activities of the VIE require unanimous consent of all partners. The following table presents the carrying amount and maximum exposure to loss relating to unconsolidated VIEs (in thousands):

	June 30, 2013				December 31, 2012
	Carrying Amount		Maximum Exposure to Loss		Carrying Amount		Maximum Exposure to Loss
Investment in unconsolidated affiliates	$	133,192	$	133,192	$	81,548	$	81,548

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Derivative Instruments - Schedule of Derivative Instruments Reported in Statements of Operations (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Equity-Indexed Options [Member] | Net Investment Income [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Equity-indexed options embedded derivative	$ 10,419	$ (8,189)	$ 34,759	$ 11,458
Equity-Indexed Embedded Derivative [Member] | Interest Credited to Policyholders' Account Balances [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Equity-indexed options embedded derivative	$ (8,047)	$ 9,447	$ (28,694)	$ (9,010)

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Net Investment Income and Realized Investment Gains (Losses) (Tables)

6 Months Ended

Jun. 30, 2013

Text Block [Abstract]

Summary of Net Investment Income, Before Federal Income Taxes

Net investment income, before federal income taxes, is shown below (in thousands):

	Three months ended June 30,					Six months ended June 30,
	2013		2012			2013			2012
Bonds	$	157,975	$	170,443		$	321,408		$	342,722
Equity securities		8,421		7,508			15,236			13,753
Mortgage loans		56,083		50,749			107,868			100,507
Real estate		352		8,498			(1,069	)		8,283
Options		10,419		(8,189	)		34,759			11,458
Other invested assets		13,536		11,554			19,950			19,536
Total	$	246,786	$	240,563		$	498,152		$	496,259

Summary of Realized Investment Gains (Losses), Before Federal Income Taxes and Other Than Temporary Impairment Losses

Realized investment gains (losses), before federal income taxes, are shown below (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Bonds	$	3,696		$	9,610		$	6,919		$	13,420
Equity securities		11,836			2,859			20,519			10,214
Mortgage loans		101			(2,233	)		389			(3,322	)
Real estate		29,563			—			35,946			(252	)
Other invested assets		(56	)		(97	)		(95	)		(113	)
Total	$	45,140		$	10,139		$	63,678		$	19,947

The OTTI losses are shown below (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Equity securities	$	(1,604	)	$	(5,261	)	$	(3,191	)	$	(8,098	)

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Investments in Securities - Maturities of Investments (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Available For Sale Securities And Held To Maturity Securities [Abstract]
Bonds Held-to-Maturity, Amortized Cost, Due in one year or less	$ 910,170
Bonds Held-to-Maturity, Amortized Cost, Due after one year through five years	2,566,756
Bonds Held-to-Maturity, Amortized Cost, Due after five years through ten years	4,913,212
Bonds Held-to-Maturity, Amortized Cost, Due after ten years	545,089
Bonds Held-to-Maturity, Amortized Cost, Without single maturity date	5,850
Bonds Held-to-Maturity, Amortized Cost	8,941,077	9,009,282
Bonds Held-to-Maturity, Estimated Fair Value, Due in one year or less	925,314
Bonds Held-to-Maturity, Estimated Fair Value, Due after one year through five years	2,800,700
Bonds Held-to-Maturity, Estimated Fair Value, Due after five years through ten years	5,084,699
Bonds Held-to-Maturity, Estimated Fair Value, Due after ten years	573,210
Bonds Held-to-Maturity, Estimated Fair Value, Without single maturity date	5,050
Held-to-maturity securities, Fair Value	9,388,973	9,840,751
Bonds Available-for-Sale, Amortized Cost, Due in one year or less	542,969
Bonds Available-for-Sale, Amortized Cost, Due after one year through five years	1,363,358
Bonds Available-for-Sale, Amortized Cost, Due after five years through ten years	2,048,682
Bonds Available-for-Sale, Amortized Cost, Due after ten years	400,592
Bonds Available-for-Sale, Amortized Cost, Without single maturity date	5,000
Bonds Available-for-Sale, Amortized Cost	4,360,601	4,316,467
Bonds Available-for-Sale, Estimated Fair Value, Due in one year or less	556,380
Bonds Available-for-Sale, Estimated Fair Value, Due after one year through five years	1,490,856
Bonds Available-for-Sale, Estimated Fair Value, Due after five years through ten years	2,097,928
Bonds Available-for-Sale, Estimated Fair Value, Due after ten years	409,950
Bonds Available-for-Sale, Estimated Fair Value, Without single maturity date	4,800
Available-for-sale securities, Estimated Fair Value	$ 4,559,914	$ 4,665,576

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Fair Value of Financial Instruments

6 Months Ended

Jun. 30, 2013

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

9. FAIR VALUE OF FINANCIAL INSTRUMENTS

The carrying amount and estimated fair value of financial instruments are shown below (in thousands):

	June 30, 2013				December 31, 2012
	Carrying		Estimated		Carrying		Estimated
	Amount		Fair Value		Amount		Fair Value
Financial assets
Fixed maturity securities, bonds held-to-maturity	$	8,941,077	$	9,388,973	$	9,009,282	$	9,840,751
Fixed maturity securities, bonds available-for-sale		4,559,914		4,559,914		4,665,576		4,665,576
Equity securities		1,228,603		1,228,603		1,075,439		1,075,439
Equity-indexed options		115,558		115,558		82,625		82,625
Mortgage loans on real estate, net of allowance		3,240,456		3,441,676		3,143,011		3,441,645
Policy loans		393,272		393,272		395,333		395,333
Short-term investments		171,785		171,785		313,086		313,086
Separate account assets		885,773		885,773		841,389		841,389
Total financial assets	$	19,536,438	$	20,185,554	$	19,525,741	$	20,655,844
Financial liabilities
Investment contracts	$	9,581,289	$	9,581,289	$	9,987,431	$	9,987,431
Embedded derivative liability for equity-indexed contracts		100,963		100,963		75,032		75,032
Notes payable		114,736		114,736		163,384		163,384
Separate account liabilities		885,773		885,773		841,389		841,389
Total financial liabilities	$	10,682,761	$	10,682,761	$	11,067,236	$	11,067,236

Summary

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability. A fair value hierarchy is used to determine fair value based on a hypothetical transaction at the measurement date from the perspective of a market participant. American National has evaluated the types of securities in its investment portfolio to determine an appropriate hierarchy level based upon trading activity and the observability of market inputs. The classification of assets or liabilities within the fair value hierarchy is based on the lowest level of significant input to its valuation. The input levels are defined as follows:

Level 1	Unadjusted quoted prices in active markets for identical assets or liabilities.
Level 2	Quoted prices in markets that are not active or inputs that are observable directly or indirectly. Level 2 inputs include quoted prices for similar assets or liabilities other than quoted prices in Level 1; quoted prices in markets that are not active; or other inputs that are observable or can be derived principally from or corroborated by observable market data for substantially the full term of the assets or liabilities.
Level 3	Unobservable inputs that are supported by little or no market activity and are significant to the fair value of the assets or liabilities. Unobservable inputs reflect American National’s own assumptions about the assumptions that market participants would use in pricing the asset or liability. Level 3 assets and liabilities include financial instruments whose values are determined using pricing models and third-party evaluation, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

Fixed Maturity Securities and Equity Options—American National utilizes a pricing service to estimate fair value measurements. The estimates of fair value for most fixed maturity securities, including municipal bonds, provided by the pricing service are disclosed as Level 2 measurements as the estimates are based on observable market information rather than market quotes.

The pricing service utilizes market quotations for fixed maturity securities that have quoted prices in active markets. Since fixed maturity securities generally do not trade on a daily basis, the pricing service prepares estimates of fair value measurements for these securities using its proprietary pricing applications, which include available relevant market information, benchmark curves, benchmarking of like securities, sector groupings and matrix pricing. Additionally, an option adjusted spread model is used to develop prepayment and interest rate scenarios.

The pricing service evaluates each asset class based on relevant market information, relevant credit information, perceived market movements and sector news. The market inputs utilized in the pricing evaluation, listed in the approximate order of priority, include: benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data, and economic events. The extent of the use of each market input depends on the asset class and the market conditions. Depending on the security, the priority of the use of inputs may change or some market inputs may not be relevant. For some securities, additional inputs may be necessary.

American National has reviewed the inputs and methodology used and the techniques applied by the pricing service to produce quotes that represent the fair value of a specific security. The review confirms the service is utilizing information from observable transactions or a technique that represents a market participant’s assumptions. American National does not adjust quotes received from the pricing service. The pricing service utilized by American National has indicated that they will only produce an estimate of fair value if there is objectively verifiable information available.

American National holds a small amount of private placement debt and fixed maturity securities that have characteristics that make them unsuitable for matrix pricing. For these securities, a quote from an independent broker (typically a market maker) is obtained. Due to the disclaimers on the quotes that indicate that the price is indicative only, American National includes these fair value estimates in Level 3.

The pricing of certain commercial mortgage-backed securities use discounted cash flow models and these securities are classified as Level 3 measurements. These models include significant non-observable inputs including an internally determined credit rating of the security and an externally provided credit spread. At June 30, 2013 and December 31, 2012, the modeled discount rate ranges from 5.9% to 6.0%.

For securities priced using a quote from an independent broker, such as the equity options and certain fixed maturity securities, American National uses a market-based fair value analysis to validate the reasonableness of prices received from an independent broker. Price variances above a certain threshold are analyzed further to determine if any pricing issue exists. This analysis is generally performed on a weekly basis, but no less frequently than on a monthly basis.

Equity Securities—For publicly-traded equity securities, prices are received from a nationally recognized pricing service that are based on observable market transactions and these securities are classified as Level 1 measurements. For certain preferred stock, current market quotes in active markets are unavailable. In these instances, an estimate of fair value is received from the pricing service. The service utilizes similar methodologies to price preferred stocks as it does for fixed maturity securities. These estimates are disclosed as Level 2 measurements. American National tests the accuracy of the information provided by reference to other services regularly.

Mortgage Loans—The fair value of mortgage loans is estimated using discounted cash flow analyses on a loan by loan basis by applying a discount rate to expected cash flows from future installment and balloon payments. The discount rate takes into account general market trends and specific credit risk trends for the individual loan. Factors used to arrive at the discount rate include inputs from spreads based on U.S. Treasury notes and the loan’s credit rating, region, property type, lien number, payment type and current status.

Embedded Derivative—The embedded derivative liability for equity-indexed contracts is measured at fair value and is recalculated each reporting period using equity option pricing models. To validate the assumptions used to price the embedded derivative liability, American National measures and compares embedded derivative returns against the returns of equity options held to hedge the liability cash flows.

The significant unobservable input used to calculate the fair value of the embedded derivatives is equity option implied volatility. This volatility assumption is the range of implied volatilities that American National has determined market participants would use to price equity options that match the current derivative characteristics of our in-force equity-indexed contracts. Implied volatility can vary by term and strike price. An increase in implied volatility will result in an increase in the value of the equity-indexed embedded derivatives, all other things being equal. At June 30, 2013 and December 31, 2012, the implied volatility used to estimate embedded derivative value ranges from 15.2% to 31.0% and 15.9.% to 30.1%, respectively.

Other Financial Instruments—Other financial instruments classified as Level 3 measurements, as there is little or no market activity, are as follows:

Policy loans—The carrying value of policy loans is the outstanding balance plus any accrued interest. Due to the collateralized nature of policy loans, unpredictable timing of repayments and the fact that it cannot be separated from the policy contract and it is settled at outstanding value, American National believes that the carrying value of policy loans approximates fair value.

Investment contracts liability—The carrying value of investment contracts liability is equivalent to the accrued account balance. The accrued account balance consists of deposits, net of withdrawals, plus or minus interest credited, fees and charges assessed and other adjustments. American National believes that the carrying value of investment contracts liability approximates fair value because the majority of these contracts’ interest rates reset to current rates offered at anniversary.

Notes payable—Notes payable are carried at outstanding principal balance. The carrying value of the notes payable approximates fair value because the underlying interest rates approximate market rates at the balance sheet date.

Quantitative Disclosures

The fair value hierarchy measurements of the financial instruments are shown below (in thousands):

	Fair Value Measurement as of June 30, 2013
	Total Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	2,005	$	—	$	2,005	$	—
U.S. states and political subdivisions		394,182		—		394,182		—
Foreign governments		32,308		—		32,308		—
Corporate debt securities		8,438,580		—		8,376,947		61,633
Residential mortgage-backed securities		479,092		—		478,057		1,035
Collateralized debt securities		2,641		—		—		2,641
Other debt securities		40,165		—		40,165		—
Total bonds held-to-maturity		9,388,973		—		9,323,664		65,309
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		22,437		—		22,437		—
U.S. states and political subdivisions		618,268		—		615,743		2,525
Foreign governments		6,873		—		6,873		—
Corporate debt securities		3,775,215		—		3,760,252		14,963
Residential mortgage-backed securities		75,063		—		72,857		2,206
Commercial mortgage-backed securities		33,926		—		—		33,926
Collateralized debt securities		16,936		—		15,001		1,935
Other debt securities		11,196		—		11,196		—
Total bonds available-for-sale		4,559,914		—		4,504,359		55,555
Equity securities
Common stock		1,185,645		1,185,645		—		—
Preferred stock		42,958		42,955		—		3
Total equity securities		1,228,603		1,228,600		—		3
Options		115,558		—		—		115,558
Mortgage loans on real estate		3,441,676		—		3,441,676		—
Policy loans		393,272		—		—		393,272
Short-term investments		171,785		—		171,785		—
Separate account assets		885,773		—		885,773		—
Total financial assets	$	20,185,554	$	1,228,600	$	18,327,257	$	629,697
Financial liabilities
Investment contracts	$	9,581,289	$	—	$	—	$	9,581,289
Embedded derivative liability for equity-indexed contracts		100,963		—		—		100,963
Notes payable		114,736		—		—		114,736
Separate account liabilities		885,773		—		885,773		—
Total financial liabilities	$	10,682,761	$	—	$	885,773	$	9,796,988

	Fair Value Measurement as of December 31, 2012
	Total Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Fixed maturity securities, bonds held-to-maturity
U.S. treasury and government	$	3,662	$	—	$	3,662	$	—
U.S. states and political subdivisions		433,695		—		433,695		—
Foreign governments		33,438		—		33,438		—
Corporate debt securities		8,735,158		—		8,662,164		72,994
Residential mortgage-backed securities		590,502		—		589,441		1,061
Collateralized debt securities		2,821		—		—		2,821
Other debt securities		41,475		—		41,475		—
Total bonds held-to-maturity		9,840,751		—		9,763,875		76,876
Fixed maturity securities, bonds available-for-sale
U.S. treasury and government		20,805		—		20,805		—
U.S. states and political subdivisions		615,438		—		612,913		2,525
Foreign governments		7,344		—		7,344		—
Corporate debt securities		3,872,633		—		3,796,949		75,684
Residential mortgage-backed securities		94,385		—		91,938		2,447
Commercial mortgage-backed securities		24,442		—		—		24,442
Collateralized debt securities		19,091		—		17,156		1,935
Other debt securities		11,438		—		11,438		—
Total bonds available-for-sale		4,665,576		—		4,558,543		107,033
Equity securities
Common stock		1,037,784		1,037,784		—		—
Preferred stock		37,655		37,652		—		3
Total equity securities		1,075,439		1,075,436		—		3
Options		82,625		—		—		82,625
Mortgage loans on real estate		3,441,645		—		3,441,645		—
Policy loans		395,333		—		—		395,333
Short-term investments		313,086		—		313,086		—
Separate account assets		841,389		—		841,389		—
Total financial assets	$	20,655,844	$	1,075,436	$	18,918,538	$	661,870
Financial liabilities
Investment contracts	$	9,987,431	$	—	$	—	$	9,987,431
Embedded derivative liability for equity-indexed contracts		75,032		—		—		75,032
Notes payable		163,384		—		—		163,384
Separate account liabilities		841,389		—		841,389		—
Total financial liabilities	$	11,067,236	$	—	$	841,389	$	10,225,847

For financial instruments measured at fair value on a recurring basis using significant unobservable inputs (Level 3) during the period, a reconciliation of the beginning and ending balances is shown below at estimated fair value (in thousands):

	Level 3
	Three months ended June 30,									Six months ended June 30,
	Asset						Liability			Asset						Liability
				Equity-									Equity-
	Investment			Indexed			Embedded			Investment			Indexed			Embedded
	Securities			Options			Derivative			Securities			Options			Derivative
Beginning balance, 2012	$	15,737		$	84,706		$	(78,654	)	$	15,815		$	65,188		$	(63,275	)
Total realized and unrealized investment gains/losses
Included in other comprehensive income		(692	)		—			—			(536	)		—			—
Net fair value change included in realized gains/losses		14			—			—			30			—			—
Net gain (loss) for derivatives included in net investment income		—			(9,628	)		—			—			8,170			—
Net change included in interest credited		—			—			9,447			—			—			(9,010	)
Purchases, sales and settlements or maturities
Purchases		552			4,140			—			552			8,481			—
Sales		(16	)		—			—			(266	)		—			—
Settlements or maturities		(395	)		(2,082	)		—			(395	)		(4,703	)		—
Premiums less benefits		—			—			(2,987	)		—			—			91
Gross transfers into Level 3		32,721			—			—			32,721			—			—
Ending balance June 30, 2012	$	47,921		$	77,136		$	(72,194	)	$	47,921		$	77,136		$	(72,194	)

	Level 3
	Three months ended June 30,									Six months ended June 30,
	Asset						Liability			Asset						Liability
				Equity-									Equity-
	Investment			Indexed			Embedded			Investment			Indexed			Embedded
	Securities			Options			Derivative			Securities			Options			Derivative
Beginning balance, 2013	$	114,373		$	105,254		$	(93,988	)	$	107,036		$	82,625		$	(75,032	)
Total realized and unrealized investment gains/losses
Included in other comprehensive income		2,720			—			—			11,129			—			—
Net fair value change included in realized gains/losses		8			—			—			219			—			—
Net gain (loss) for derivatives included in net investment income		—			8,700			—			—			31,166			—
Net change included in interest credited		—			—			(8,047	)		—			—			(28,694	)
Purchases, sales and settlements or maturities
Purchases		63			4,418			—			2,070			7,708			—
Sales		(10,844	)		—			—			(14,134	)		—			—
Settlements or maturities		—			(2,814	)		—			—			(5,941	)		—
Premiums less benefits		—			—			1,072			—			—			2,763
Gross transfers into Level 3		—			—			—			—			—			—
Gross transfers out of Level 3		(50,762	)		—			—			(50,762	)		—			—
Ending balance June 30, 2013	$	55,558		$	115,558		$	(100,963	)	$	55,558		$	115,558		$	(100,963	)

Within the net gain (loss) for derivatives included in net investment income were an unrealized gain of $28,651,000 and $2,048,000 relating to assets still held at June 30, 2013 and 2012, respectively.

There were no transfers between Level 1 and Level 2 fair value hierarchies. The transfers into Level 3 were the result of existing securities no longer being priced by the third-party pricing service at the end of the period. American National’s valuation of these securities involves judgment regarding assumptions market participants would use including quotes from independent brokers. The transfers out of Level 3 were securities being priced by a third-party service at the end of the period, using inputs that are observable or derived from market data, which resulted in classification of these assets as Level 2.

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Federal Income Taxes - Components of Deferred Tax Assets and Liabilities (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
DEFERRED TAX ASSETS
Investments, principally due to impairment losses	$ 67,976	$ 70,103
Investment in real estate and other invested assets principally due to investment valuation allowances	8,033	7,259
Policyholder funds, principally due to policy reserve discount	229,505	229,429
Policyholder funds, principally due to unearned premium reserve	33,395	30,337
Participating policyholders' surplus	39,375	37,014
Pension	94,964	94,847
Commissions and other expenses	7,066	7,889
Tax carryforwards	14,779	23,041
Other assets	0	3,343
Gross deferred tax assets	495,093	503,262
DEFERRED TAX LIABILITIES
Available-for-sale securities, principally due to net unrealized gains	(245,760)	(257,290)
Investment in bonds, principally due to accrual of discount on bonds	(7,414)	(9,415)
Deferred policy acquisition costs, due to difference between GAAP and tax amortization methods	(338,640)	(327,245)
Property, plant and equipment, principally due to difference between GAAP and tax depreciation methods	(7,105)	(1,462)
Other liabilities	(2,675)	0
Gross deferred tax liabilities	(601,594)	(595,412)
Total net deferred tax liability	$ (106,501)	$ (92,150)

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Mortgage Loans

6 Months Ended

Jun. 30, 2013

Receivables [Abstract]

Mortgage Loans

5. MORTGAGE LOANS

Generally, commercial mortgage loans are secured by first liens on income-producing real estate. American National attempts to maintain a diversified portfolio by considering the property-type and property location of the underlying mortgage collateral. Mortgage loans by property-type and geographic distribution are as follows:

	June 30, 2013			December 31, 2012
Office		25.9	%		34.9	%
Industrial		31.3			24.0
Retail		19.4			17.7
Hotel and motel		12.6			13.9
Other		10.8			9.5
Total		100.0	%		100.0	%
	June 30, 2013			December 31, 2012
West South Central		25.0	%		23.2	%
South Atlantic		21.3			23.0
East North Central		19.0			18.2
Pacific		13.9			13.3
East South Central		7.4			7.1
Mountain		5.6			7.0
Other		7.8			8.2
Total		100.0	%		100.0	%

There were no loans sold or foreclosed and no significant non-cash transactions occurred during the six months ended June 30, 2013 or 2012.

Credit Quality

Commercial mortgage loan balances placed on nonaccrual status are shown below (in thousands):

	June 30, 2013		December 31, 2012
Commercial mortgages
Retail	$	13,354	$	13,354
Office		6,220		—
Total	$	19,574	$	13,354

The credit quality of the mortgage loan portfolio is assessed by evaluating the credit risk of each borrower. A loan is classified as performing or non-performing based on whether all of the contractual terms of the loan have been met.

The age analysis of past due commercial mortgage loans is shown below (in thousands):

	June 30, 2013
	30-59 Days		60-89 Days		Greater Than		Total Past				Total
	Past Due		Past Due		90 Days		Due		Current		Mortgage Loans
Commercial mortgages
Office	$	18,866	$	—	$	6,220	$	25,086	$	992,988	$	1,018,074
Industrial		—		—		—		—		841,027		841,027
Retail		—		—		13,354		13,354		622,970		636,324
Other		—		—		—		—		758,712		758,712
Total	$	18,866	$	—	$	19,574	$	38,440	$	3,215,697		3,254,137
Allowance for loan losses												13,681
Mortgage loans on real estate, net of allowance											$	3,240,456
	December 31, 2012
	30-59 Days		60-89 Days		Greater Than		Total Past				Total
	Past Due		Past Due		90 Days		Due		Current		Mortgage Loans
Commercial mortgages
Office	$	—	$	—	$	—	$	—	$	1,100,407	$	1,100,407
Industrial		—		—		—		—		755,198		755,198
Retail		—		—		13,354		13,354		547,472		560,826
Other		—		—		—		—		738,592		738,592
Total	$	—	$	—	$	13,354	$	13,354	$	3,141,669		3,155,023
Allowance for loan losses												12,012
Mortgage loans on real estate, net of allowance											$	3,143,011

Total mortgage loans are net of unamortized discounts of $1,490,000 and $4,346,000 and unamortized origination fees of $14,556,000 and $14,076,000 at June 30, 2013 and December 31, 2012, respectively. No unearned income is included in these amounts.

Allowance for Credit Losses

Loans not evaluated individually for collectibility are segregated by collateral property-type and location and allowance factors are applied. These factors are developed annually, and reviewed quarterly based on our historical loss experience adjusted for the expected trend in the rate of foreclosure losses. Allowance factors are higher for loans of certain property types and in certain regions based on loss experience or a blended historical loss factor.

The change in allowance for credit losses in commercial mortgage loans is shown below (in thousands):

	Three Months Ended June 30,					Six Months Ended June 30,
	Collectively		Individually			Collectively		Individually
	Evaluated		Evaluated			Evaluated		Evaluated
	for Impairment		for Impairment			for Impairment		for Impairment
Beginning balance, 2012	$	9,640	$	493		$	10,828	$	493
Write down		—		(2,277	)		—		(2,277	)
Change in allowance		2,233		2,277			1,045		2,277
Ending balance, 2012	$	11,873	$	493		$	11,873	$	493
Beginning balance, 2013	$	11,231	$	493		$	11,519	$	493
Change in allowance		788		1,169			500		1,169
Ending balance, 2013	$	12,019	$	1,662		$	12,019	$	1,662

At June 30, 2013 and 2012, the recorded investment for loans collectively evaluated for impairment was $3,144,566,000 and $2,976,969,000, respectively, and the recorded investment for loans individually evaluated for impairment was $111,936,000 and $105,515,000, respectively.

Loans individually evaluated for impairment with and without an allowance are shown below (in thousands):

	June 30, 2013				June 30, 2012
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Three months ended
With an allowance recorded
Office	$	22,209	$	799	$	—	$	—
Without an allowance recorded
Office	$	27,904	$	30	$	26,064	$	1,377
Industrial		—		—		890		—
Retail		17,166		282		22,261		(193	)
Other		55,043		907		59,698		303
Total	$	100,113	$	1,219	$	108,913	$	1,487
Six months ended
With an allowance recorded
Office	$	23,450	$	799	$	—	$	—
Without an allowance recorded
Office	$	19,417	$	643	$	45,358	$	1,482
Retail		17,166		565		15,224		446
Other		55,125		1,831		45,354		1,520
Total	$	91,708	$	3,039	$	105,936	$	3,448
	June 30, 2013				December 31, 2012
			Unpaid				Unpaid
	Recorded		Principal		Recorded		Principal
	Investment		Balance		Investment		Balance
With an allowance recorded
Retail (related allowance of $493 and $493)	$	—	$	493	$	—	$	493
Office (related allowance of $1,169 and $0)		22,209		23,378		—		—
Total with an allowance recorded	$	22,209	$	23,871	$	—	$	493
Without an allowance recorded
Office	$	19,375	$	19,375	$	36,544	$	36,544
Retail		17,152		17,152		17,180		17,180
Other		54,862		54,862		55,320		55,320
Total without an allowance recorded	$	91,389	$	91,389	$	109,044	$	109,044

Troubled Debt Restructurings

A small portion of the mortgage loan portfolio for which American National has granted concessions related to the borrowers’ ability to pay the loans is classified as troubled debt restructurings. Concessions are generally one of, or a combination of, a delay in payment of principal or interest, a reduction of the contractual interest rate or an extension of the maturity date. American National considers the amount, timing and extent of concessions in determining any impairment or changes in the specific allowance for loan losses recorded in connection with a troubled debt restructuring. The carrying value after specific allowance, before and after modification in a troubled debt restructuring, may not change significantly, or may increase if the expected recovery is higher than the pre-modification recovery assessment. There was one mortgage loan that has been modified in troubled debt restructurings during the six months ended June 30, 2013, with no such modifications during the same period in 2012. The outstanding recorded investment was $6,432,000 both before and after the modification.

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Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
OPERATING ACTIVITIES
Net income (loss)	$ 119,891	$ 65,845
Adjustments to reconcile net income (loss) to net cash provided by operating activities
Realized investment (gains) losses	(63,678)	(19,947)
Other-than-temporary impairments	3,191	8,098
Accretion (amortization) of discounts, premiums and loan origination fees	1,479	2,495
Net capitalized interest on policy loans and mortgage loans	(13,172)	(14,469)
Depreciation	14,973	18,555
Interest credited to policyholders' account balances	210,876	215,883
Charges to policyholders' account balances	(99,935)	(97,063)
Deferred federal income tax (benefit) expense	8,741	(8,885)
Equity in (earnings) losses of unconsolidated affiliates	(9,653)	1,567
Distributions from equity method investments	15,873	9,001
Changes in:
Policyholder liabilities	29,894	88,363
Deferred policy acquisition costs	12,303	5,300
Reinsurance recoverables	25,775	16,225
Premiums due and other receivables	(25,155)	(26,037)
Prepaid reinsurance premiums	4,051	4,055
Accrued investment income	7,723	2,688
Current tax receivable/payable	7,879	14,438
Liability for retirement benefits	5,428	1,407
Other, net	(12,848)	(26,453)
Net cash provided by (used in) operating activities	243,636	261,066
Proceeds from sale/maturity/prepayment of
Held-to-maturity securities	762,394	703,534
Available-for-sale securities	484,501	245,011
Investment real estate	78,067	0
Mortgage loans	252,379	109,951
Policy loans	29,714	33,875
Other invested assets	7,527	5,324
Disposals of property and equipment	783	98
Distributions from unconsolidated affiliates	21,149	10,212
Payment for the purchase/origination of
Held-to-maturity securities	(706,980)	(610,789)
Available-for-sale securities	(552,322)	(300,943)
Investment real estate	(19,822)	(14,593)
Mortgage loans	(344,240)	(259,093)
Policy loans	(12,012)	(21,495)
Other invested assets	(9,370)	(8,547)
Additions to property and equipment	(10,337)	(12,218)
Contributions to unconsolidated affiliates	(67,235)	(14,423)
Change in short-term investments	141,301	4,132
Other, net	744	5,266
Net cash provided by (used in) investing activities	56,241	(124,698)
FINANCING ACTIVITIES
Policyholders' account deposits	444,357	608,843
Policyholders' account withdrawals	(843,286)	(656,544)
Change in notes payable	(48,648)	1,313
Dividends to stockholders	(41,418)	(41,331)
Proceeds from (payments to) noncontrolling interest	(20)	(17)
Net cash provided by (used in) financing activities	(489,015)	(87,736)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(189,138)	48,632
Beginning of the period	303,008	102,114
End of period	$ 113,870	$ 150,746

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Mortgage Loans - Additional Information (Detail) (USD $)	6 Months Ended	12 Months Ended
	Jun. 30, 2013 Security	Dec. 31, 2012	Jun. 30, 2012
Receivables [Abstract]
Unamortized discounts	$ 1,490,000	$ 4,346,000
Unamortized origination fees, mortgage loans	14,556,000	14,076,000
Financing receivable, Collectively evaluated for impairment	3,144,566,000		2,976,969,000
Financing receivable, Individually evaluated for impairment	111,936,000		105,515,000
Number of troubled debt restructurings	1
Pre-modification outstanding recorded investments	6,432,000
Post-modification outstanding recorded investments	$ 6,432,000

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Investments in Securities - Bond Portfolio Distributed with Quality Rating (Detail)	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2012
Concentration Risk [Line Items]
Portfolio of investment by credit quality	100.00%	100.00%
Bonds Held-to-Maturity and Available-for-Sale [Member]
Concentration Risk [Line Items]
Portfolio of investment by credit quality	100.00%	100.00%
Bonds Held-to-Maturity and Available-for-Sale [Member] | AAA [Member]
Concentration Risk [Line Items]
Portfolio of investment by credit quality	5.00%	5.50%
Bonds Held-to-Maturity and Available-for-Sale [Member] | AA [Member]
Concentration Risk [Line Items]
Portfolio of investment by credit quality	10.70%	10.60%
Bonds Held-to-Maturity and Available-for-Sale [Member] | A [Member]
Concentration Risk [Line Items]
Portfolio of investment by credit quality	41.00%	38.20%
Bonds Held-to-Maturity and Available-for-Sale [Member] | BBB [Member]
Concentration Risk [Line Items]
Portfolio of investment by credit quality	39.40%	41.40%
Bonds Held-to-Maturity and Available-for-Sale [Member] | BB and Below [Member]
Concentration Risk [Line Items]
Portfolio of investment by credit quality	3.90%	4.30%

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Segment Information - Additional Information (Detail)	6 Months Ended
	Jun. 30, 2013 Segment
Segment Reporting [Abstract]
Segment information, number of operating segments	5

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Liability for Unpaid Claims and Claim Adjustment Expenses (Tables)

6 Months Ended

Jun. 30, 2013

Text Block [Abstract]

Liability for Unpaid Claims and Claim Adjustment Expenses

Information regarding the liability for unpaid claims is shown below (in thousands):

	Six months ended June 30,
	2013			2012
Unpaid claims balance, beginning	$	1,168,047		$	1,180,259
Less reinsurance recoverables		256,885			235,174
Net beginning balance		911,162			945,085
Incurred related to
Current		492,192			553,846
Prior years		(18,633	)		(37,244	)
Total incurred claims		473,559			516,602
Paid claims related to
Current		262,490			268,889
Prior years		210,013			220,479
Total paid claims		472,503			489,368
Net balance		912,218			972,319
Plus reinsurance recoverables		241,079			233,344
Unpaid claims balance, ending	$	1,153,297		$	1,205,663

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Stockholders' Equity and Noncontrolling Interests - Noncontrolling Interests - Additional Information1 (Detail) (USD $)	Jun. 30, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Noncontrolling interest	$ 13,222,000	$ 11,491,000
County Mutual [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Noncontrolling interest	6,750,000	6,750,000
Other Subsidiaries [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Noncontrolling interest	$ 6,472,000	$ 4,741,000

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Fair Value of Financial Instruments - Additional Information (Detail) (USD $) In Thousands, unless otherwise specified	6 Months Ended			12 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013 Minimum [Member]	Dec. 31, 2012 Minimum [Member]	Jun. 30, 2013 Maximum [Member]	Dec. 31, 2012 Maximum [Member]
Fair Value Of Financial Instruments [Line Items]
Modeled discount rate			5.90%	5.90%	6.00%	6.00%
Estimate embedded derivative value ranges			15.20%	15.90%	31.00%	30.10%
Net gain (loss) for derivatives included in net investment income	$ 28,651,000	$ 2,048,000

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Investment Real Estate - Additional Information (Detail) (USD $)	6 Months Ended
	Jun. 30, 2013	Dec. 31, 2012
Debt Instrument [Line Items]
Maximum amount of investment in long-term notes payable	$ 12,740,000	$ 18,063,000
Average interest rate on current portion of notes payable	4.00%
Interest on long-term portion of notes payable	adjusted LIBOR
Long-term notes payable	$ 12,500,000
Long-Term Notes Payable 1 [Member]
Debt Instrument [Line Items]
Interest rate on long-term notes	4.00%
Long-Term Notes Payable 1 [Member] | Minimum [Member]
Debt Instrument [Line Items]
Notes payable maturity period	5 years
Long-Term Notes Payable 2 [Member]
Debt Instrument [Line Items]
Interest rates on long-term notes payable	1.00%
Notes payable maturity year	2016
Long-Term Notes Payable 3 [Member]
Debt Instrument [Line Items]
Interest rates on long-term notes payable	2.50%
Notes payable maturity year	2016

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Segment Information - Summary of Results of Operations by Operating Segments (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Income (loss) from continuing operations before federal income taxes, and equity in earnings/losses of unconsolidated affiliates
Income (loss) from continuing operations	$ 84,210	$ 18,640	$ 146,358	$ 82,011
Life [Member]
Income (loss) from continuing operations before federal income taxes, and equity in earnings/losses of unconsolidated affiliates
Income (loss) from continuing operations	8,411	19,258	14,415	26,813
Annuity [Member]
Income (loss) from continuing operations before federal income taxes, and equity in earnings/losses of unconsolidated affiliates
Income (loss) from continuing operations	23,668	23,882	51,002	47,614
Accident & Health [Member]
Income (loss) from continuing operations before federal income taxes, and equity in earnings/losses of unconsolidated affiliates
Income (loss) from continuing operations	9,680	6,260	8,994	4,810
Property & Casualty [Member]
Income (loss) from continuing operations before federal income taxes, and equity in earnings/losses of unconsolidated affiliates
Income (loss) from continuing operations	(4,345)	(36,409)	8,564	(11,848)
Corporate and Other [Member]
Income (loss) from continuing operations before federal income taxes, and equity in earnings/losses of unconsolidated affiliates
Income (loss) from continuing operations	$ 46,796	$ 5,649	$ 63,383	$ 14,622

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Federal Income Taxes

6 Months Ended

Jun. 30, 2013

Income Tax Disclosure [Abstract]

Federal Income Taxes

12. FEDERAL INCOME TAXES

A reconciliation of the effective tax rate to the statutory federal tax rate is shown below (in thousands, except percentages):

	Three months ended June 30,												Six months ended June 30,
	2013						2012						2013						2012
	Amount			Rate			Amount			Rate			Amount			Rate			Amount			Rate
Income tax expense on pre-tax income	$	29,473			35.0	%	$	6,524			35.0	%	$	51,225			35.0	%	$	28,704			35.0	%
Tax-exempt investment income		(1,575	)		(1.9	)		(1,837	)		(9.9	)		(3,198	)		(2.2	)		(3,742	)		(4.6	)
Dividend exclusion		(1,621	)		(1.9	)		(1,483	)		(8.0	)		(3,092	)		(2.1	)		(2,952	)		(3.6	)
Miscellaneous tax credits, net		(1,929	)		(2.3	)		(2,352	)		(12.6	)		(3,890	)		(2.6	)		(4,463	)		(5.4	)
Other items, net		455			0.6			(3,236	)		(17.3	)		(4,925	)		(3.4	)		(2,948	)		(3.6	)
Effective tax	$	24,803			29.5	%	$	(2,384	)		(12.8	)%	$	36,120			24.7	%	$	14,599			17.8	%

American National made payments of $24,083,000 and $7,599,000 during the six months ended June 30, 2013 and 2012, respectively.

The tax effects of temporary differences that gave rise to the deferred tax assets and liabilities are shown below (in thousands):

	June 30,			December 31,
	2013			2012
DEFERRED TAX ASSETS
Investments, principally due to impairment losses	$	67,976		$	70,103
Investment in real estate and other invested assets principally due to investment valuation allowances		8,033			7,259
Policyholder funds, principally due to policy reserve discount		229,505			229,429
Policyholder funds, principally due to unearned premium reserve		33,395			30,337
Participating policyholders’ surplus		39,375			37,014
Pension		94,964			94,847
Commissions and other expenses		7,066			7,889
Tax carryforwards		14,779			23,041
Other assets		—			3,343
Gross deferred tax assets		495,093			503,262
DEFERRED TAX LIABILITIES
Available-for-sale securities, principally due to net unrealized gains		(245,760	)		(257,290	)
Investment in bonds, principally due to accrual of discount on bonds		(7,414	)		(9,415	)
Deferred policy acquisition costs, due to difference between GAAP and tax amortization methods		(338,640	)		(327,245	)
Property, plant and equipment, principally due to difference between GAAP and tax depreciation methods		(7,105	)		(1,462	)
Other liabilities		(2,675	)		—
Gross deferred tax liabilities		(601,594	)		(595,412	)
Total net deferred tax liability	$	(106,501	)	$	(92,150	)

Management believes that a sufficient level of taxable income will be achieved over time to utilize the deferred tax assets in the consolidated federal tax return; therefore, no valuation allowance was recorded as of June 30, 2013 and December 31, 2012. However, if not utilized beforehand, approximately $14,779,000 in ordinary loss tax carryforwards will expire on December 31, 2033.

The statute of limitations for the examination of federal income tax returns by the IRS for years 2006 to 2011 either has been extended or has not expired. In the opinion of management, all prior year deficiencies have been paid or adequate provisions have been made for any tax deficiencies that may be upheld. No provision for penalties was established, and no interest expense was incurred for 2013 or 2012, relating to uncertain tax positions. Management does not believe that there are any uncertain tax benefits that could be recognized within the next twelve months that would decrease American National’s effective tax rate.

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Net Investment Income and Realized Investment Gains (Losses)

6 Months Ended

Jun. 30, 2013

Text Block [Abstract]

Net Investment Income and Realized Investment Gains (Losses)

8. NET INVESTMENT INCOME AND REALIZED INVESTMENT GAINS (LOSSES)

Net investment income, before federal income taxes, is shown below (in thousands):

	Three months ended June 30,					Six months ended June 30,
	2013		2012			2013			2012
Bonds	$	157,975	$	170,443		$	321,408		$	342,722
Equity securities		8,421		7,508			15,236			13,753
Mortgage loans		56,083		50,749			107,868			100,507
Real estate		352		8,498			(1,069	)		8,283
Options		10,419		(8,189	)		34,759			11,458
Other invested assets		13,536		11,554			19,950			19,536
Total	$	246,786	$	240,563		$	498,152		$	496,259

Realized investment gains (losses), before federal income taxes, are shown below (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Bonds	$	3,696		$	9,610		$	6,919		$	13,420
Equity securities		11,836			2,859			20,519			10,214
Mortgage loans		101			(2,233	)		389			(3,322	)
Real estate		29,563			—			35,946			(252	)
Other invested assets		(56	)		(97	)		(95	)		(113	)
Total	$	45,140		$	10,139		$	63,678		$	19,947

The OTTI losses are shown below (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013			2012
Equity securities	$	(1,604	)	$	(5,261	)	$	(3,191	)	$	(8,098	)

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Fair Value of Financial Instruments - Financial Instruments Measured at Fair Value on Recurring Basis Using Significant Unobservable Inputs (Level 3) (Detail) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]
Beginning balance	$ (93,988)	$ (78,654)	$ (75,032)	$ (63,275)
Total realized and unrealized investment gains/losses Included in other comprehensive income	0	0	0	0
Net fair value change included in realized gains/losses	0	0	0	0
Net gain (loss) for derivatives included in net investment income	0	0	0	0
Net change included in interest credited	(8,047)	9,447	(28,694)	(9,010)
Purchases	0	0	0	0
Sales	0	0	0	0
Settlements or maturities	0	0	0	0
Premiums less benefits	1,072	(2,987)	2,763	91
Gross transfers into Level 3	0	0	0	0
Gross transfers out of Level 3	0		0
Ending balance	(100,963)	(72,194)	(100,963)	(72,194)
Investment Securities [Member]
Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]
Beginning balance	114,373	15,737	107,036	15,815
Total realized and unrealized investment gains/losses Included in other comprehensive income	2,720	(692)	11,129	(536)
Net fair value change included in realized gains/losses	8	14	219	30
Net gain (loss) for derivatives included in net investment income	0	0	0	0
Net change included in interest credited	0	0	0	0
Purchases	63	552	2,070	552
Sales	(10,844)	(16)	(14,134)	(266)
Settlements or maturities	0	(395)	0	(395)
Premiums less benefits	0	0	0	0
Gross transfers into Level 3	0	32,721	0	32,721
Gross transfers out of Level 3	(50,762)		(50,762)
Ending balance	55,558	47,921	55,558	47,921
Equity-Indexed Options [Member]
Fair Value Assets And Liabilities Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]
Beginning balance	105,254	84,706	82,625	65,188
Total realized and unrealized investment gains/losses Included in other comprehensive income	0	0	0	0
Net fair value change included in realized gains/losses	0	0	0	0
Net gain (loss) for derivatives included in net investment income	8,700	(9,628)	31,166	8,170
Net change included in interest credited	0	0	0	0
Purchases	4,418	4,140	7,708	8,481
Sales		0	0	0
Settlements or maturities	(2,814)	(2,082)	(5,941)	(4,703)
Premiums less benefits	0	0	0	0
Gross transfers into Level 3	0	0	0	0
Gross transfers out of Level 3	0		0
Ending balance	$ 115,558	$ 77,136	$ 115,558	$ 77,136

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Segment Information

6 Months Ended

Jun. 30, 2013

Segment Reporting [Abstract]

Segment Information

15. SEGMENT INFORMATION

Management organizes the business into five operating segments:

• Life—markets whole, term, universal, indexed and variable life insurance on a national basis primarily through career and multiple-line agents, as well as through independent agents and direct marketing channels.

• Annuity—offers fixed, indexed, and variable annuity products. These products are primarily sold through independent agents, brokers, and financial institutions, along with multiple-line and career agents.

• Health—primary lines of business are Medicare Supplement, stop loss, other supplemental health products and credit disability insurance. Health products are typically distributed through independent agents and managing general underwriters.

• Property and Casualty—writes personal, commercial and credit-related property insurance. These products are primarily sold through multiple-line agents and independent agents.

• Corporate and Other—consists of net investment income on the investments not allocated to the insurance segments and the operations of non-insurance lines of business.

The accounting policies of the segments are the same as those described in Note 2. All income and expense amounts specifically attributable to policy transactions are recorded directly to the appropriate operating segment. Income and expenses not specifically attributable to policy transactions are allocated to each segment as follows:

• Recurring income from bonds and mortgage loans is allocated based on the assets allocated to each line of business at the average yield available from these assets.

• Net investment income from all other assets is allocated to the insurance segments in accordance with the amount of equity allocated to each segment, with the remainder recorded in the Corporate and Other business segment.

• Expenses are allocated based upon various factors, including premium and commission ratios within the respective operating segments.

The following summarizes results of operations by operating segments (in thousands):

	Three months ended June 30,						Six months ended June 30,
	2013			2012			2013		2012
Income (loss) from continuing operations before federal income taxes and equity in earnings/losses of unconsolidated affiliates
Life	$	8,411		$	19,258		$	14,415	$	26,813
Annuity		23,668			23,882			51,002		47,614
Health		9,680			6,260			8,994		4,810
Property and casualty		(4,345	)		(36,409	)		8,564		(11,848	)
Corporate and other		46,796			5,649			63,383		14,622
Total	$	84,210		$	18,640		$	146,358	$	82,011

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Accumulated Other Comprehensive Income (Loss)

6 Months Ended

Jun. 30, 2013

Equity [Abstract]

Accumulated Other Comprehensive Income (Loss)

13. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The components of and changes in the accumulated other comprehensive income (loss) (“AOCI”), and the related tax effects, are shown below (in thousands):

	Net Unrealized Gains/(Losses) on Securities			Defined Benefit Pension Plan Adjustments			Foreign Currency Adjustments		AOCI
Beginning balance 2012	$	274,837		$	(115,485	)	$	51	$	159,403
Unrealized holding gains (losses) arising during the period (net of tax expense $43,724)		81,202								81,202
Unrealized adjustment to DAC (net of tax benefit $7,602)		(14,496	)							(14,496	)
Unrealized (gains) losses on investments attributable to participating policyholders’ interest (net of tax benefit $1,546)		(2,871	)							(2,871	)
Foreign currency adjustment (net of tax expense $178)								330		330
Amounts reclassified from AOCI (net of tax benefit $2,297 and expense $2,581)		(4,098	)		4,793			—		695
Ending balance at June 30, 2012	$	334,574		$	(110,692	)	$	381	$	224,263
Beginning balance 2013	$	370,842		$	(129,003	)	$	171	$	242,010
Unrealized holding gains (losses) arising during the period (net of tax benefit $3,628)		(6,739	)							(6,739	)
Unrealized adjustment to DAC (net of tax expense $14,822)		25,774								25,774
Unrealized (gains) losses on investments attributable to participating policyholders’ interest (net of tax expense $87)		161								161
Foreign currency adjustment (net of tax expense $223)								414		414
Amounts reclassified from AOCI (net of tax benefit $7,902 and expense $3,097)		(14,374	)		5,751			—		(8,623	)
Ending balance at June 30, 2013	$	375,664		$	(123,252	)	$	585	$	252,997

XML

Document and Entity Information	6 Months Ended
	Jun. 30, 2013	Jul. 31, 2013
Document Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2013
Document Fiscal Year Focus	2013
Document Fiscal Period Focus	Q2
Entity Registrant Name	AMERICAN NATIONAL INSURANCE CO /TX/
Entity Central Index Key	0000904163
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		26,893,544

XML

Commitments and Contingencies - Additional Information (Detail) (USD $)	6 Months Ended
	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Commitments And Contingencies Disclosure [Abstract]
Commitments outstanding, aggregate amount	$ 378,298,000
Commitments expected to be funded in 2013	271,163,000
Commitments expected to be funded in 2014 and beyond	107,135,000
Short-term borrowing facility, maximum capacity			100,000,000
Short-term borrowing facility, letters of credit			55,000,000
Letters of credit outstanding, amount	33,495,000	33,696,000
Short-term borrowing facility, expiration date	Sep. 30, 2013
Short-term borrowing, liquidity requirement	0
Total amount of guarantees outstanding	206,376,000
Life insurance policies with guarantees, cash value	$ 211,055,000

XML

Stockholders' Equity and Noncontrolling Interests

6 Months Ended

Jun. 30, 2013

Equity [Abstract]

Stockholders' Equity and Noncontrolling Interests

14. STOCKHOLDERS’ EQUITY AND NONCONTROLLING INTERESTS

American National has one class of common stock with a par value of $1.00 per share and 50,000,000 authorized shares. The amounts outstanding at the dates indicated are shown below:

	June 30,			December 31,
	2013			2012
Common stock
Shares issued		30,832,449			30,832,449
Treasury shares		(3,938,905	)		(3,995,785	)
Outstanding shares		26,893,544			26,836,664
Restricted shares		(195,334	)		(185,334	)
Unrestricted outstanding shares		26,698,210			26,651,330

Stock-based compensation

American National has one stock-based compensation plan, which allows for grants of Non-Qualified Stock Options, Stock Appreciation Rights (“SAR”), Restricted Stock (“RS”) Awards, Restricted Stock Units (“RSU”), Performance Awards, Incentive Awards or any combination thereof. This plan is administered by the American National Board Compensation Committee. The Board Compensation Committee makes incentive awards under this plan to our executives after meeting established performance objectives. All awards are subject to review and approval by the committee and the Board of Directors, both at the time of setting applicable performance objectives and at the time of payment of the awards. The number of shares available for grants under the plan cannot exceed 2,900,000 shares, and no more than 200,000 shares may be granted to any one individual in any calendar year. Grants are made to certain officers and directors as compensation and to align their interests with those of other shareholders.

SAR, RS and RSU information for the periods indicated is shown below:

	SAR					RS Shares				RS Units
	Shares			Weighted- Average Grant Date Fair Value		Shares		Weighted-Average Grant Date  Fair Value		Units			Weighted-Average Grant Date Fair Value
Outstanding at December 31, 2012		108,951		$	111.31		185,334	$	109.13		127,059		$	75.06
Granted		—			—		10,000		80.05		71,084			80.05
Exercised		(1,233	)		68.57		—		—		(74,679	)		77.03
Forfeited		(334	)		96.53		—		—		(396	)		77.20
Expired		(13,733	)		107.79		—		—		—			—
Outstanding at June 30, 2013		93,651		$	112.44		195,334	$	107.64		123,068		$	76.73

	SAR			RS Shares		RS Units
Weighted-average contractual remaining life		2.60			4.60		2.30
Weighted-average exercise price	$	112.44		$	107.64	$	76.73
Exercisable shares		91,999			N/A		—
Weighted-average exercise price Exercisable shares	$	112.86			N/A		N/A
Compensation expense (credits)
Three months ended June 30, 2013		42,000			524,000		2,716,000
Three months ended June 30, 2012		(1,000	)		669,000		5,819,000
Six months ended June 30, 2013		73,000			1,029,000		8,283,000
Six months ended June 30, 2012		(3,000	)		1,339,000		7,312,000
Fair value of liability award
June 30, 2013		76,000			N/A		11,154,000
December 31, 2012		3,000			N/A		7,974,000

The SARs give the holder the right to cash compensation based on the difference between the price of a share of stock on the grant date and the price on the exercise date. The SARs vest at a rate of 20% per year for five years and expire five years after vesting.

Effective December 31, 2012, the settlement provision within outstanding RSU awards was modified to allow the recipient of the awards to settle the vested RSUs in either cash or American National’s common stock. This change in the settlement provision is expected to apply to all future issuance of RSU awards. Prior to the modification, vested RSUs were converted to American National’s common stock on a one-for-one basis. This modification changes the award classification from equity to liability award. At the date of modification, American National recorded a liability of $7,974,000 with a corresponding reduction in additional paid-in capital. The liability will be remeasured and adjusted for changes in the fair value each reporting period through the vesting date. RSUs generally vest after a three-year graded vesting requirement. Certain awards vest over a shorter period as a result of retirement provisions. The modification, which was applied consistently to all participants added an incremental cost of $1,623,000 and $3,031,000 during the three and six months ended June 30, 2013.

RS Awards entitle the participant to full dividend and voting rights. Each award has the value of one share of restricted stock and vests 10 years from the grant date. Unvested shares are restricted as to disposition, and are subject to forfeiture under certain circumstances. Compensation expense is recognized over the vesting period. The restrictions on these awards lapse after 10 years, and these awards feature a graded vesting schedule in the case of the retirement of an award holder. Restricted stock for 350,334 shares has been granted at an exercise price of zero, of which 195,334 shares are unvested.

Earnings (loss) per share

Basic earnings (losses) per share were calculated using a weighted average number of shares outstanding. The Restricted Stock awards and units resulted in diluted earnings per share as follows (in thousands, except share-related data):

	Three months ended June 30,				Six months ended June 30,
	2013		2012		2013		2012
Weighted average shares outstanding		26,779,969		26,685,128		26,777,029		26,675,405
Incremental shares from RS awards and RSUs		121,378		169,467		117,769		172,853
Total shares for diluted calculations		26,901,347		26,854,595		26,894,798		26,848,258
Net income (loss) attributable to American National Insurance Company	$	58,169	$	20,506	$	118,140	$	65,722
Basic earnings (loss) per share	$	2.17	$	0.77	$	4.41	$	2.46
Diluted earnings (loss) per share		2.16		0.76		4.39		2.45

Dividends

American National Insurance Company’s payment of dividends to stockholders is restricted by statutory regulations. The restrictions require life insurance companies to maintain minimum amounts of capital and surplus, and in the absence of special approval, limit the payment of dividends to the greater of statutory net gain from operations on an annual, non-cumulative basis, or 10% of statutory surplus. Additionally, insurance companies are not permitted to distribute the excess of stockholders’ equity, as determined on a GAAP basis, over that determined on a statutory basis. At June 30, 2013 and December 31, 2012, American National Insurance Company’s statutory capital and surplus was $2,366,474,000 and $2,260,268,000, respectively. Similar restrictions on amounts that can transfer in the form of dividends, loans, or advances to the parent company apply to American National’s insurance subsidiaries. Net assets of insurance subsidiaries were approximately $1,513,935,000 and $1,535,082,000 at June 30, 2013 and December 31, 2012, respectively.

Noncontrolling interests

American National County Mutual Insurance Company (“County Mutual”) is a mutual insurance company that is owned by its policyholders. American National has a management agreement that effectively gives it complete control of County Mutual. As a result, County Mutual is included in the consolidated financial statements of American National. Policyholder interests in the financial position of County Mutual are reflected as noncontrolling interest of $6,750,000 at June 30, 2013 and December 31, 2012.

American National Insurance Company and its subsidiaries exercise significant control or ownership of various joint ventures, resulting in their consolidation into American National’s consolidated financial statements. The interests of the joint ventures’ other partners are shown as noncontrolling interests, of $6,472,000 and $4,741,000 at June 30, 2013 and December 31, 2012, respectively.

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Derivative Instruments - Schedule of Derivative Instruments Reported in Financial Position (Detail) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013 Derivative	Dec. 31, 2012 Derivative
Equity-Indexed Embedded Derivative [Member] | Future Policy Benefits [Member]
Derivatives, Fair Value [Line Items]
Number of Instruments	28,400	22,941
Derivative Notional Amount, Liability	$ 760,300	$ 722,500
Derivative Financial Instruments, Estimated Fair Value	100,963	75,032
Equity-Indexed Options [Member] | Other Invested Assets [Member]
Derivatives, Fair Value [Line Items]
Number of Instruments	366	356
Derivative Notional Amount, Asset	884,100	846,900
Estimated fair value of other invested assets	$ 115,558	$ 82,625

XML

Investment Real Estate - Carrying Amount and Maximum Exposure to Loss Related to VIEs (Detail) (Variable Interest Entity, Not Primary Beneficiary [Member], USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
Variable Interest Entity, Not Primary Beneficiary [Member]
Variable Interest Entity [Line Items]
Investment in unconsolidated affiliates, Carrying Amount	$ 133,192	$ 81,548
Investment in unconsolidated affiliates, Maximum Exposure to Loss	$ 133,192	$ 81,548

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Related Party Transactions - Related Party Transactions (Detail) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Dec. 31, 2012
Gal-Tex Hotel Corporation [Member] | Net Investment Income [Member]
Related Party Transaction [Line Items]
Dollar Amount of Transactions	$ 314	$ 174
Amount due to/(from) American National	50		54
Gal-Tex Hotel Corporation [Member] | Mortgage Loans on Real Estate [Member]
Related Party Transaction [Line Items]
Dollar Amount of Transactions	564	264
Amount due to/(from) American National	8,326		8,890
Greer, Herz and Adams, LLP [Member] | Other Operating Expenses [Member]
Related Party Transaction [Line Items]
Dollar Amount of Transactions	4,872	3,760
Amount due to/(from) American National	$ (524)		$ (268)