SEC Info  
    Home      Search      My Interests      Help      Sign In      Please Sign In

American National Insurance Co – ‘10-Q’ for 6/30/19 – ‘EX-101.CAL’

On:  Tuesday, 8/6/19, at 2:26pm ET   ·   For:  6/30/19   ·   Accession #:  904163-19-10   ·   File #:  1-34280

Previous ‘10-Q’:  ‘10-Q’ on 5/7/19 for 3/31/19   ·   Next:  ‘10-Q’ on 11/5/19 for 9/30/19   ·   Latest:  ‘10-Q’ on 5/8/20 for 3/31/20   ·   3 References:   

Find Words in Filings emoji
 
  in    Show  and   Hints

  As Of               Filer                 Filing    For·On·As Docs:Size

 8/06/19  American National Insurance Co    10-Q        6/30/19  103:19M

Quarterly Report   —   Form 10-Q   —   Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-Q        Quarterly Report                                    HTML   2.67M 
 2: EX-10.10    Material Contract                                   HTML     39K 
 3: EX-31.1     Certification -- §302 - SOA'02                      HTML     36K 
 4: EX-31.2     Certification -- §302 - SOA'02                      HTML     36K 
 5: EX-32.1     Certification -- §906 - SOA'02                      HTML     34K 
12: R1          Document and Entity Information                     HTML     84K 
13: R2          Consolidated Statements of Financial Position       HTML    170K 
14: R3          Consolidated Statements of Financial Position       HTML     53K 
                (Parenthetical)                                                  
15: R4          Consolidated Statements of Operations               HTML    151K 
16: R5          Consolidated Statements of Comprehensive Income     HTML     63K 
                (Loss)                                                           
17: R6          Consolidated Statements of Changes in Equity        HTML     90K 
18: R7          Consolidated Statements of Cash Flows               HTML    181K 
19: R8          Nature of Operations                                HTML     34K 
20: R9          Summary of Significant Accounting Policies and      HTML     35K 
                Practices                                                        
21: R10         Recently Issued Accounting Pronouncements           HTML     50K 
22: R11         Investment in Securities                            HTML    351K 
23: R12         Mortgage Loans                                      HTML    187K 
24: R13         Real Estate and Other Investments                   HTML     98K 
25: R14         Derivative Instruments                              HTML    171K 
26: R15         Net Investment Income and Realized Investment       HTML     82K 
                Gains (Losses)                                                   
27: R16         Fair Value of Financial Instruments                 HTML    382K 
28: R17         Deferred Policy Acquisition Costs                   HTML     59K 
29: R18         Liability for Unpaid Claims and Claim Adjustment    HTML     57K 
                Expenses                                                         
30: R19         Federal Income Taxes                                HTML    103K 
31: R20         Accumulated Other Comprehensive Income (Loss)       HTML     84K 
32: R21         Stockholders' Equity and Noncontrolling Interests   HTML    153K 
33: R22         Segment Information                                 HTML    330K 
34: R23         Commitments and Contingencies                       HTML     44K 
35: R24         Related Party Transactions                          HTML     53K 
36: R25         Subsequent Events                                   HTML     34K 
37: R26         Summary of Significant Accounting Policies and      HTML     44K 
                Practices (Policies)                                             
38: R27         Investment in Securities (Tables)                   HTML    358K 
39: R28         Mortgage Loans (Tables)                             HTML    188K 
40: R29         Real Estate and Other Investments (Tables)          HTML    102K 
41: R30         Derivative Instruments (Tables)                     HTML    177K 
42: R31         Net Investment Income and Realized Investment       HTML     86K 
                Gains (Losses) (Tables)                                          
43: R32         Fair Value of Financial Instruments (Tables)        HTML    368K 
44: R33         Deferred Policy Acquisition Costs (Tables)          HTML     60K 
45: R34         Liability for Unpaid Claims and Claim Adjustment    HTML     54K 
                Expenses (Tables)                                                
46: R35         Federal Income Taxes (Tables)                       HTML    100K 
47: R36         Accumulated Other Comprehensive Income (Loss)       HTML     84K 
                (Tables)                                                         
48: R37         Stockholders' Equity and Noncontrolling Interests   HTML    156K 
                (Tables)                                                         
49: R38         Segment Information (Tables)                        HTML    326K 
50: R39         Related Party Transactions (Tables)                 HTML     50K 
51: R40         Nature of Operations - Additional Information       HTML     32K 
                (Detail)                                                         
52: R41         Summary of Significant Accounting Policies and      HTML     33K 
                Practices - Additional Information (Detail)                      
53: R42         Recently Issued Accounting Pronouncements -         HTML     68K 
                Additional Information (Detail)                                  
54: R43         Investment in Securities - Investments in           HTML     90K 
                Securities (Detail)                                              
55: R44         Investment in Securities - Maturities of            HTML     93K 
                Investments (Detail)                                             
56: R45         Investment in Securities - Proceeds from Available  HTML     38K 
                for Sale Securities and Realized Gain Loss                       
                (Detail)                                                         
57: R46         Investment in Securities - Additional Information   HTML     35K 
                (Detail)                                                         
58: R47         Investment in Securities - Change in Net            HTML     61K 
                Unrealized Gains (Losses) on Securities (Detail)                 
59: R48         Investment in Securities - Gross Unrealized Losses  HTML    105K 
                and Fair Value of Investment Securities (Detail)                 
60: R49         Investment in Securities - Bond by Credit Quality   HTML     55K 
                Rating Distribution (Detail)                                     
61: R50         Investment in Securities - Equity Securities by     HTML     51K 
                Market Sector Distribution (Detail)                              
62: R51         Mortgage Loans - Distribution Based on Carrying     HTML     52K 
                Amount of Mortgage Loans by Location (Detail)                    
63: R52         Mortgage Loans - Additional Information (Detail)    HTML     51K 
64: R53         Mortgage Loans - Age Analysis of Past Due Loans     HTML     80K 
                (Detail)                                                         
65: R54         Mortgage Loans - Change in Allowance for Credit     HTML     75K 
                Losses in Mortgage Loans (Detail)                                
66: R55         Mortgage Loans Mortgage Loans - Schedule of         HTML     47K 
                Troubled Debt Restructuring Mortgage Loan                        
                Information (Details)                                            
67: R56         Real Estate and Other Investments - Investment      HTML     63K 
                Real Estate by Property-Type and Geographic                      
                Distribution (Detail)                                            
68: R57         Real Estate and Other Investments - Assets and      HTML     61K 
                Liabilities Related to VIEs (Detail)                             
69: R58         Real Estate and Other Investments - Additional      HTML     36K 
                Information (Detail)                                             
70: R59         Real Estate and Other Investments - Schedule of     HTML     51K 
                Long-term Notes Payable of Consolidated VIEs                     
                (Detail)                                                         
71: R60         Real Estate and Other Investments - Carrying        HTML     44K 
                Amount and Maximum Exposure to Loss Related to                   
                VIEs (Detail)                                                    
72: R61         Derivative Instruments - Schedule of Derivative     HTML     54K 
                Instruments Reported in Financial Position                       
                (Detail)                                                         
73: R62         Derivative Instruments - Schedule of Derivative     HTML     41K 
                Instruments Reported in Statements of Operations                 
                (Detail)                                                         
74: R63         Derivative Instruments - Schedule of Information    HTML    104K 
                Regarding Company's Exposure to Credit Loss on the               
                Options Holds (Detail)                                           
75: R64         Net Investment Income and Realized Investment       HTML     48K 
                Gains (Losses) - Summary of Net Investment Income                
                (Detail)                                                         
76: R65         Net Investment Income and Realized Investment       HTML     45K 
                Gains (Losses) - Summary of Realized Investment                  
                Gains (Losses) (Detail)                                          
77: R66         Net Investment Income and Realized Investment       HTML     36K 
                Gains (Losses) - Summary of Other Than Temporary                 
                Impairment Losses (Details)                                      
78: R67         Fair Value of Financial Instruments - Carrying      HTML    104K 
                Amount and Fair Value of Financial Instruments                   
                (Detail)                                                         
79: R68         Fair Value of Financial Instruments - Additional    HTML     40K 
                Information (Detail)                                             
80: R69         Fair Value of Financial Instruments - Schedule of   HTML     52K 
                Significant Unobservable Inputs Used to Calculate                
                Level 3 Fair Value of Embedded Derivatives within                
                Policyholder Contract Deposits (Detail)                          
81: R70         Fair Value of Financial Instruments - Quantitative  HTML    190K 
                Disclosures Regarding Fair Value Hierarchy                       
                Measurements (Detail)                                            
82: R71         Fair Value of Financial Instruments - Financial     HTML     77K 
                Instruments Measured at Fair Value on Recurring                  
                Basis Using (Level 3) Inputs (Detail)                            
83: R72         Deferred Policy Acquisition Costs - Deferred        HTML     61K 
                Policy Acquisition Costs (Detail)                                
84: R73         Liability for Unpaid Claims and Claim Adjustment    HTML     65K 
                Expenses - Liability for Unpaid Claims and Claim                 
                Adjustment Expenses (Detail)                                     
85: R74         Liability for Unpaid Claims and Claim Adjustment    HTML     39K 
                Expenses - Additional Information (Detail)                       
86: R75         Federal Income Taxes - Effective Income Tax         HTML     92K 
                Reconciliation (Detail)                                          
87: R76         Federal Income Taxes - Additional Information       HTML     44K 
                (Detail)                                                         
88: R77         Accumulated Other Comprehensive Income (Loss) -     HTML     88K 
                Components of Other Comprehensive Income (Detail)                
89: R78         Stockholders' Equity and Noncontrolling Interests   HTML    107K 
                - Additional Information (Detail)                                
90: R79         Stockholders' Equity and Noncontrolling Interests   HTML     42K 
                - Common Stock, Amounts Outstanding (Detail)                     
91: R80         Stockholders' Equity and Noncontrolling Interests   HTML     82K 
                - Stock-Based Compensation Information (Detail)                  
92: R81         Stockholders' Equity and Noncontrolling Interests   HTML     57K 
                - Summary of Basic and Diluted Earnings Per Share                
                (Detail)                                                         
93: R82         Stockholders' Equity and Noncontrolling Interests   HTML     42K 
                - Statutory Capital and Surplus and Net Income of                
                Insurance Entities in Accordance with Statutory                  
                Accounting Practices (Detail)                                    
94: R83         Segment Information - Additional Information        HTML     33K 
                (Detail)                                                         
95: R84         Segment Information - Summary of Results of         HTML    113K 
                Operations Measured as Income Before Federal                     
                Income Taxes and Other Items by Operating Segments               
                (Detail)                                                         
96: R85         Commitments and Contingencies - Additional          HTML     56K 
                Information (Detail)                                             
97: R86         Related Party Transactions - Related Party          HTML     53K 
                Transactions (Detail)                                            
98: R87         Related Party Transactions - Additional             HTML     46K 
                Information (Detail)                                             
99: R88         Subsequent Events - Additional Information          HTML     39K 
                (Detail)                                                         
101: XML         IDEA XML File -- Filing Summary                      XML    197K  
11: XML         XBRL Instance -- anat-63019x10q_htm                  XML   6.35M 
100: EXCEL       IDEA Workbook of Financial Reports                  XLSX    131K  
 7: EX-101.CAL  XBRL Calculations -- anat-20190630_cal               XML    455K 
 8: EX-101.DEF  XBRL Definitions -- anat-20190630_def                XML   1.02M 
 9: EX-101.LAB  XBRL Labels -- anat-20190630_lab                     XML   2.56M 
10: EX-101.PRE  XBRL Presentations -- anat-20190630_pre              XML   1.60M 
 6: EX-101.SCH  XBRL Schema -- anat-20190630                         XSD    249K 
102: JSON        XBRL Instance as JSON Data -- MetaLinks              533±   851K  
103: ZIP         XBRL Zipped Folder -- 0000904163-19-000010-xbrl      Zip    465K  


‘EX-101.CAL’   —   XBRL Calculations — anat-20190630_cal


This Exhibit is an XBRL XML File.


                                                                                                                                                                                
<?xml version="1.0" encoding="windows-1252"?>
<!-- XBRL Document Created with Wdesk from Workiva -->
<!-- -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<link:roleRef roleURI="http://www.anico.com/role/AccumulatedOtherComprehensiveIncomeLoss" xlink:href="anat-20190630.xsd#AccumulatedOtherComprehensiveIncomeLoss" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/AccumulatedOtherComprehensiveIncomeLossComponentsOfOtherComprehensiveIncomeDetail" xlink:href="anat-20190630.xsd#AccumulatedOtherComprehensiveIncomeLossComponentsOfOtherComprehensiveIncomeDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/AccumulatedOtherComprehensiveIncomeLossTables" xlink:href="anat-20190630.xsd#AccumulatedOtherComprehensiveIncomeLossTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/CommitmentsAndContingencies" xlink:href="anat-20190630.xsd#CommitmentsAndContingencies" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/CommitmentsAndContingenciesAdditionalInformationDetail" xlink:href="anat-20190630.xsd#CommitmentsAndContingenciesAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/ConsolidatedStatementsOfCashFlows" xlink:href="anat-20190630.xsd#ConsolidatedStatementsOfCashFlows" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/ConsolidatedStatementsOfChangesInEquity" xlink:href="anat-20190630.xsd#ConsolidatedStatementsOfChangesInEquity" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/ConsolidatedStatementsOfComprehensiveIncomeLoss" xlink:href="anat-20190630.xsd#ConsolidatedStatementsOfComprehensiveIncomeLoss" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/ConsolidatedStatementsOfFinancialPosition" xlink:href="anat-20190630.xsd#ConsolidatedStatementsOfFinancialPosition" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/ConsolidatedStatementsOfFinancialPositionParenthetical" xlink:href="anat-20190630.xsd#ConsolidatedStatementsOfFinancialPositionParenthetical" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/ConsolidatedStatementsOfOperations" xlink:href="anat-20190630.xsd#ConsolidatedStatementsOfOperations" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DeferredPolicyAcquisitionCosts" xlink:href="anat-20190630.xsd#DeferredPolicyAcquisitionCosts" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DeferredPolicyAcquisitionCostsDeferredPolicyAcquisitionCostsDetail" xlink:href="anat-20190630.xsd#DeferredPolicyAcquisitionCostsDeferredPolicyAcquisitionCostsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DeferredPolicyAcquisitionCostsTables" xlink:href="anat-20190630.xsd#DeferredPolicyAcquisitionCostsTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DerivativeInstruments" xlink:href="anat-20190630.xsd#DerivativeInstruments" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DerivativeInstrumentsScheduleOfDerivativeInstrumentsReportedInFinancialPositionDetail" xlink:href="anat-20190630.xsd#DerivativeInstrumentsScheduleOfDerivativeInstrumentsReportedInFinancialPositionDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DerivativeInstrumentsScheduleOfDerivativeInstrumentsReportedInStatementsOfOperationsDetail" xlink:href="anat-20190630.xsd#DerivativeInstrumentsScheduleOfDerivativeInstrumentsReportedInStatementsOfOperationsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DerivativeInstrumentsScheduleOfInformationRegardingCompanysExposureToCreditLossOnOptionsHoldsDetail" xlink:href="anat-20190630.xsd#DerivativeInstrumentsScheduleOfInformationRegardingCompanysExposureToCreditLossOnOptionsHoldsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DerivativeInstrumentsTables" xlink:href="anat-20190630.xsd#DerivativeInstrumentsTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/DocumentAndEntityInformation" xlink:href="anat-20190630.xsd#DocumentAndEntityInformation" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FairValueOfFinancialInstruments" xlink:href="anat-20190630.xsd#FairValueOfFinancialInstruments" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FairValueOfFinancialInstrumentsAdditionalInformationDetail" xlink:href="anat-20190630.xsd#FairValueOfFinancialInstrumentsAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FairValueOfFinancialInstrumentsCarryingAmountAndFairValueOfFinancialInstrumentsDetail" xlink:href="anat-20190630.xsd#FairValueOfFinancialInstrumentsCarryingAmountAndFairValueOfFinancialInstrumentsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FairValueOfFinancialInstrumentsFinancialInstrumentsMeasuredAtFairValueOnRecurringBasisUsingLevel3InputsDetail" xlink:href="anat-20190630.xsd#FairValueOfFinancialInstrumentsFinancialInstrumentsMeasuredAtFairValueOnRecurringBasisUsingLevel3InputsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FairValueOfFinancialInstrumentsQuantitativeDisclosuresRegardingFairValueHierarchyMeasurementsDetail" xlink:href="anat-20190630.xsd#FairValueOfFinancialInstrumentsQuantitativeDisclosuresRegardingFairValueHierarchyMeasurementsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FairValueOfFinancialInstrumentsScheduleOfSignificantUnobservableInputsUsedToCalculateLevel3FairValueOfEmbeddedDerivativesWithinPolicyholderContractDepositsDetail" xlink:href="anat-20190630.xsd#FairValueOfFinancialInstrumentsScheduleOfSignificantUnobservableInputsUsedToCalculateLevel3FairValueOfEmbeddedDerivativesWithinPolicyholderContractDepositsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FairValueOfFinancialInstrumentsTables" xlink:href="anat-20190630.xsd#FairValueOfFinancialInstrumentsTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FederalIncomeTaxes" xlink:href="anat-20190630.xsd#FederalIncomeTaxes" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FederalIncomeTaxesAdditionalInformationDetail" xlink:href="anat-20190630.xsd#FederalIncomeTaxesAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FederalIncomeTaxesEffectiveIncomeTaxReconciliationDetail" xlink:href="anat-20190630.xsd#FederalIncomeTaxesEffectiveIncomeTaxReconciliationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/FederalIncomeTaxesTables" xlink:href="anat-20190630.xsd#FederalIncomeTaxesTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecurities" xlink:href="anat-20190630.xsd#InvestmentInSecurities" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesAdditionalInformationDetail" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesBondByCreditQualityRatingDistributionDetail" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesBondByCreditQualityRatingDistributionDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesChangeInNetUnrealizedGainsLossesOnSecuritiesDetail" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesChangeInNetUnrealizedGainsLossesOnSecuritiesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesEquitySecuritiesByMarketSectorDistributionDetail" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesEquitySecuritiesByMarketSectorDistributionDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesGrossUnrealizedLossesAndFairValueOfInvestmentSecuritiesDetail" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesGrossUnrealizedLossesAndFairValueOfInvestmentSecuritiesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesInvestmentsInSecuritiesDetail" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesInvestmentsInSecuritiesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesMaturitiesOfInvestmentsDetail" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesMaturitiesOfInvestmentsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesProceedsFromAvailableForSaleSecuritiesAndRealizedGainLossDetail" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesProceedsFromAvailableForSaleSecuritiesAndRealizedGainLossDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/InvestmentInSecuritiesTables" xlink:href="anat-20190630.xsd#InvestmentInSecuritiesTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/LiabilityForUnpaidClaimsAndClaimAdjustmentExpenses" xlink:href="anat-20190630.xsd#LiabilityForUnpaidClaimsAndClaimAdjustmentExpenses" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesAdditionalInformationDetail" xlink:href="anat-20190630.xsd#LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesLiabilityForUnpaidClaimsAndClaimAdjustmentExpensesDetail" xlink:href="anat-20190630.xsd#LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesLiabilityForUnpaidClaimsAndClaimAdjustmentExpensesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesTables" xlink:href="anat-20190630.xsd#LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/MortgageLoans" xlink:href="anat-20190630.xsd#MortgageLoans" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/MortgageLoansAdditionalInformationDetail" xlink:href="anat-20190630.xsd#MortgageLoansAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/MortgageLoansAgeAnalysisOfPastDueLoansDetail" xlink:href="anat-20190630.xsd#MortgageLoansAgeAnalysisOfPastDueLoansDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/MortgageLoansChangeInAllowanceForCreditLossesInMortgageLoansDetail" xlink:href="anat-20190630.xsd#MortgageLoansChangeInAllowanceForCreditLossesInMortgageLoansDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/MortgageLoansDistributionBasedOnCarryingAmountOfMortgageLoansByLocationDetail" xlink:href="anat-20190630.xsd#MortgageLoansDistributionBasedOnCarryingAmountOfMortgageLoansByLocationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/MortgageLoansMortgageLoansScheduleOfTroubledDebtRestructuringMortgageLoanInformationDetails" xlink:href="anat-20190630.xsd#MortgageLoansMortgageLoansScheduleOfTroubledDebtRestructuringMortgageLoanInformationDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/MortgageLoansTables" xlink:href="anat-20190630.xsd#MortgageLoansTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/NatureOfOperations" xlink:href="anat-20190630.xsd#NatureOfOperations" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/NatureOfOperationsAdditionalInformationDetail" xlink:href="anat-20190630.xsd#NatureOfOperationsAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLosses" xlink:href="anat-20190630.xsd#NetInvestmentIncomeAndRealizedInvestmentGainsLosses" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfNetInvestmentIncomeDetail" xlink:href="anat-20190630.xsd#NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfNetInvestmentIncomeDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfOtherThanTemporaryImpairmentLossesDetails" xlink:href="anat-20190630.xsd#NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfOtherThanTemporaryImpairmentLossesDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfRealizedInvestmentGainsLossesDetail" xlink:href="anat-20190630.xsd#NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfRealizedInvestmentGainsLossesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLossesTables" xlink:href="anat-20190630.xsd#NetInvestmentIncomeAndRealizedInvestmentGainsLossesTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RealEstateAndOtherInvestments" xlink:href="anat-20190630.xsd#RealEstateAndOtherInvestments" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RealEstateAndOtherInvestmentsAdditionalInformationDetail" xlink:href="anat-20190630.xsd#RealEstateAndOtherInvestmentsAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RealEstateAndOtherInvestmentsAssetsAndLiabilitiesRelatedToViesDetail" xlink:href="anat-20190630.xsd#RealEstateAndOtherInvestmentsAssetsAndLiabilitiesRelatedToViesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RealEstateAndOtherInvestmentsCarryingAmountAndMaximumExposureToLossRelatedToViesDetail" xlink:href="anat-20190630.xsd#RealEstateAndOtherInvestmentsCarryingAmountAndMaximumExposureToLossRelatedToViesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RealEstateAndOtherInvestmentsInvestmentRealEstateByPropertyTypeAndGeographicDistributionDetail" xlink:href="anat-20190630.xsd#RealEstateAndOtherInvestmentsInvestmentRealEstateByPropertyTypeAndGeographicDistributionDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RealEstateAndOtherInvestmentsScheduleOfLongTermNotesPayableOfConsolidatedViesDetail" xlink:href="anat-20190630.xsd#RealEstateAndOtherInvestmentsScheduleOfLongTermNotesPayableOfConsolidatedViesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RealEstateAndOtherInvestmentsTables" xlink:href="anat-20190630.xsd#RealEstateAndOtherInvestmentsTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RecentlyIssuedAccountingPronouncements" xlink:href="anat-20190630.xsd#RecentlyIssuedAccountingPronouncements" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RecentlyIssuedAccountingPronouncementsAdditionalInformationDetail" xlink:href="anat-20190630.xsd#RecentlyIssuedAccountingPronouncementsAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RelatedPartyTransactions" xlink:href="anat-20190630.xsd#RelatedPartyTransactions" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RelatedPartyTransactionsAdditionalInformationDetail" xlink:href="anat-20190630.xsd#RelatedPartyTransactionsAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RelatedPartyTransactionsRelatedPartyTransactionsDetail" xlink:href="anat-20190630.xsd#RelatedPartyTransactionsRelatedPartyTransactionsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/RelatedPartyTransactionsTables" xlink:href="anat-20190630.xsd#RelatedPartyTransactionsTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SegmentInformation" xlink:href="anat-20190630.xsd#SegmentInformation" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SegmentInformationAdditionalInformationDetail" xlink:href="anat-20190630.xsd#SegmentInformationAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SegmentInformationSummaryOfResultsOfOperationsMeasuredAsIncomeBeforeFederalIncomeTaxesAndOtherItemsByOperatingSegmentsDetail" xlink:href="anat-20190630.xsd#SegmentInformationSummaryOfResultsOfOperationsMeasuredAsIncomeBeforeFederalIncomeTaxesAndOtherItemsByOperatingSegmentsDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SegmentInformationTables" xlink:href="anat-20190630.xsd#SegmentInformationTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterests" xlink:href="anat-20190630.xsd#StockholdersEquityAndNoncontrollingInterests" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsAdditionalInformationDetail" xlink:href="anat-20190630.xsd#StockholdersEquityAndNoncontrollingInterestsAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsCommonStockAmountsOutstandingDetail" xlink:href="anat-20190630.xsd#StockholdersEquityAndNoncontrollingInterestsCommonStockAmountsOutstandingDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsStatutoryCapitalAndSurplusAndNetIncomeOfInsuranceEntitiesInAccordanceWithStatutoryAccountingPracticesDetail" xlink:href="anat-20190630.xsd#StockholdersEquityAndNoncontrollingInterestsStatutoryCapitalAndSurplusAndNetIncomeOfInsuranceEntitiesInAccordanceWithStatutoryAccountingPracticesDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsStockBasedCompensationInformationDetail" xlink:href="anat-20190630.xsd#StockholdersEquityAndNoncontrollingInterestsStockBasedCompensationInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsSummaryOfBasicAndDilutedEarningsPerShareDetail" xlink:href="anat-20190630.xsd#StockholdersEquityAndNoncontrollingInterestsSummaryOfBasicAndDilutedEarningsPerShareDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsTables" xlink:href="anat-20190630.xsd#StockholdersEquityAndNoncontrollingInterestsTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SubsequentEvents" xlink:href="anat-20190630.xsd#SubsequentEvents" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SubsequentEventsAdditionalInformationDetail" xlink:href="anat-20190630.xsd#SubsequentEventsAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SummaryOfSignificantAccountingPoliciesAndPractices" xlink:href="anat-20190630.xsd#SummaryOfSignificantAccountingPoliciesAndPractices" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SummaryOfSignificantAccountingPoliciesAndPracticesAdditionalInformationDetail" xlink:href="anat-20190630.xsd#SummaryOfSignificantAccountingPoliciesAndPracticesAdditionalInformationDetail" xlink:type="simple"/>
<link:roleRef roleURI="http://www.anico.com/role/SummaryOfSignificantAccountingPoliciesAndPracticesPolicies" xlink:href="anat-20190630.xsd#SummaryOfSignificantAccountingPoliciesAndPracticesPolicies" xlink:type="simple"/>
<link:calculationLink xlink:role="http://www.anico.com/role/AccumulatedOtherComprehensiveIncomeLoss" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/AccumulatedOtherComprehensiveIncomeLossComponentsOfOtherComprehensiveIncomeDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/AccumulatedOtherComprehensiveIncomeLossTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/CommitmentsAndContingencies" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/CommitmentsAndContingenciesAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/ConsolidatedStatementsOfCashFlows" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_50231013-f048-89e7-0e20-ba139224c5f7" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_50231013-f048-89e7-0e20-ba139224c5f7" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProfitLoss" xlink:label="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" xlink:label="loc_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments_aa0dd94b-c303-afa8-b9df-06c3d432d596" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments_aa0dd94b-c303-afa8-b9df-06c3d432d596" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairmentOfInvestments" xlink:label="loc_us-gaap_ImpairmentOfInvestments_65d12bfa-dee3-96e3-088b-777473e373e6" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_ImpairmentOfInvestments_65d12bfa-dee3-96e3-088b-777473e373e6" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_94f5ae99-7bd8-4f8c-5311-9522abc2f1bd" xlink:type="locator"/>
<link:calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_94f5ae99-7bd8-4f8c-5311-9522abc2f1bd" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_NetCapitalizedInterestOnPolicyLoansAndMortgageLoans" xlink:label="loc_anat_NetCapitalizedInterestOnPolicyLoansAndMortgageLoans_1f81bb97-01fc-f56a-5209-0ad0d551732f" xlink:type="locator"/>
<link:calculationArc order="5" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_anat_NetCapitalizedInterestOnPolicyLoansAndMortgageLoans_1f81bb97-01fc-f56a-5209-0ad0d551732f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DepreciationNonproduction" xlink:label="loc_us-gaap_DepreciationNonproduction_9e0b4457-c64b-fdbf-1462-e486564032df" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_DepreciationNonproduction_9e0b4457-c64b-fdbf-1462-e486564032df" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestCreditedToPolicyholdersAccountBalances" xlink:label="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_1c9a7d64-31ba-3aa7-8ac6-3e983ded771d" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_1c9a7d64-31ba-3aa7-8ac6-3e983ded771d" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InsuranceCommissionsAndFees" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_b64edb10-dd6a-d0da-ceb4-624a86d0cb27" xlink:type="locator"/>
<link:calculationArc order="8" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_b64edb10-dd6a-d0da-ceb4-624a86d0cb27" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_db02e614-93e7-eddf-abe0-a58cca48e685" xlink:type="locator"/>
<link:calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_db02e614-93e7-eddf-abe0-a58cca48e685" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_86dec120-3352-31c8-fc61-55992f948bdd" xlink:type="locator"/>
<link:calculationArc order="10" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_86dec120-3352-31c8-fc61-55992f948bdd" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquityMethodInvestmentDividendsOrDistributions" xlink:label="loc_us-gaap_EquityMethodInvestmentDividendsOrDistributions_c943c103-b80e-a258-b2f2-08bbe6f9c883" xlink:type="locator"/>
<link:calculationArc order="11" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_EquityMethodInvestmentDividendsOrDistributions_c943c103-b80e-a258-b2f2-08bbe6f9c883" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInInsuranceLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInInsuranceLiabilities_fddd107e-40ec-8426-368c-e01ccfda9dfb" xlink:type="locator"/>
<link:calculationArc order="12" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInInsuranceLiabilities_fddd107e-40ec-8426-368c-e01ccfda9dfb" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_360094d4-9387-1e15-c2a3-cc1b6baa796a" xlink:type="locator"/>
<link:calculationArc order="13" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_360094d4-9387-1e15-c2a3-cc1b6baa796a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:label="loc_us-gaap_IncreaseDecreaseInReinsuranceRecoverable_e2e94f55-fbcf-ad54-0d80-d6fe64e27f68" xlink:type="locator"/>
<link:calculationArc order="14" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInReinsuranceRecoverable_e2e94f55-fbcf-ad54-0d80-d6fe64e27f68" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInPremiumsReceivable" xlink:label="loc_us-gaap_IncreaseDecreaseInPremiumsReceivable_bb351048-5c87-9f71-683e-f5c53f3165f5" xlink:type="locator"/>
<link:calculationArc order="15" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInPremiumsReceivable_bb351048-5c87-9f71-683e-f5c53f3165f5" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums" xlink:label="loc_us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums_2dc4a86e-3cba-e3ec-ffc5-32b6b0f2eda6" xlink:type="locator"/>
<link:calculationArc order="16" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInPrepaidReinsurancePremiums_2dc4a86e-3cba-e3ec-ffc5-32b6b0f2eda6" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_3f8a9c34-c392-f7e7-663b-e1187aad8041" xlink:type="locator"/>
<link:calculationArc order="17" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_3f8a9c34-c392-f7e7-663b-e1187aad8041" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInIncomeTaxesReceivable" xlink:label="loc_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable_482834da-6583-c404-7c9c-83a9dbe6a330" xlink:type="locator"/>
<link:calculationArc order="18" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable_482834da-6583-c404-7c9c-83a9dbe6a330" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInPensionAndPostretirementObligations" xlink:label="loc_us-gaap_IncreaseDecreaseInPensionAndPostretirementObligations_70d394f1-f2d2-30f0-6427-cb907bbc0011" xlink:type="locator"/>
<link:calculationArc order="19" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInPensionAndPostretirementObligations_70d394f1-f2d2-30f0-6427-cb907bbc0011" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption" xlink:label="loc_us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption_efd8ff62-2e33-f720-fbb3-5489f854fd54" xlink:type="locator"/>
<link:calculationArc order="20" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption_efd8ff62-2e33-f720-fbb3-5489f854fd54" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNiGainLoss" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:type="locator"/>
<link:calculationArc order="21" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_2d3aea93-0685-7648-d025-abd4b91cbb46" xlink:type="locator"/>
<link:calculationArc order="22" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ce0d7b63-a366-bc9b-79e1-780981e428fe" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_2d3aea93-0685-7648-d025-abd4b91cbb46" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_50231013-f048-89e7-0e20-ba139224c5f7" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_8f7b7d27-85ae-a2c8-2ad9-6450620cc1ca" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_8f7b7d27-85ae-a2c8-2ad9-6450620cc1ca" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_83cf65a5-9616-b748-1d6c-92f0b7da6e69" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_83cf65a5-9616-b748-1d6c-92f0b7da6e69" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_ProceedsfromSaleofEquitySecurities" xlink:label="loc_anat_ProceedsfromSaleofEquitySecurities_8dda5248-ef7d-7741-0432-0ad0d4bcedb4" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_anat_ProceedsfromSaleofEquitySecurities_8dda5248-ef7d-7741-0432-0ad0d4bcedb4" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment" xlink:label="loc_us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment_7e70579c-cb18-748a-b2d3-98f09f5cbdaa" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment_7e70579c-cb18-748a-b2d3-98f09f5cbdaa" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable" xlink:label="loc_us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable_31166592-91ef-79ac-8608-2ae0cc885863" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable_31166592-91ef-79ac-8608-2ae0cc885863" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromCollectionOfPolicyLoans" xlink:label="loc_us-gaap_ProceedsFromCollectionOfPolicyLoans_325d62df-3576-0905-f2fc-af8683106422" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_ProceedsFromCollectionOfPolicyLoans_325d62df-3576-0905-f2fc-af8683106422" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments_25a8c943-d653-1f00-b8d3-0f47ff48fcf4" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments_25a8c943-d653-1f00-b8d3-0f47ff48fcf4" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="loc_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_6d7a72cc-b15d-447c-3b26-c3564dc5b0b1" xlink:type="locator"/>
<link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_6d7a72cc-b15d-447c-3b26-c3564dc5b0b1" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromDivestitureOfInterestInSubsidiariesAndAffiliates" xlink:label="loc_us-gaap_ProceedsFromDivestitureOfInterestInSubsidiariesAndAffiliates_af9a4b03-a6fe-fae9-c490-a66f81beb27b" xlink:type="locator"/>
<link:calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_ProceedsFromDivestitureOfInterestInSubsidiariesAndAffiliates_af9a4b03-a6fe-fae9-c490-a66f81beb27b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:label="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_404f28cc-d31b-88b1-2e58-f61c65ab1626" xlink:type="locator"/>
<link:calculationArc order="10" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_404f28cc-d31b-88b1-2e58-f61c65ab1626" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_b978ae77-fef7-cb46-afee-f23498c1fbe0" xlink:type="locator"/>
<link:calculationArc order="11" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_b978ae77-fef7-cb46-afee-f23498c1fbe0" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_PaymentstoAcquireEquityInvestments" xlink:label="loc_anat_PaymentstoAcquireEquityInvestments_f25e2342-dcc1-b351-8eb0-0ad0d5161635" xlink:type="locator"/>
<link:calculationArc order="12" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_anat_PaymentstoAcquireEquityInvestments_f25e2342-dcc1-b351-8eb0-0ad0d5161635" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireRealEstateHeldForInvestment" xlink:label="loc_us-gaap_PaymentsToAcquireRealEstateHeldForInvestment_f97dc3fc-1f8c-801f-e0d8-8b27dc4cb42a" xlink:type="locator"/>
<link:calculationArc order="13" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsToAcquireRealEstateHeldForInvestment_f97dc3fc-1f8c-801f-e0d8-8b27dc4cb42a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireMortgageNotesReceivable" xlink:label="loc_us-gaap_PaymentsToAcquireMortgageNotesReceivable_0b480db7-6a14-4ef9-a958-f3c4ba60efad" xlink:type="locator"/>
<link:calculationArc order="14" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsToAcquireMortgageNotesReceivable_0b480db7-6a14-4ef9-a958-f3c4ba60efad" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToFundPolicyLoans" xlink:label="loc_us-gaap_PaymentsToFundPolicyLoans_2e9d9c62-a5cf-ad45-c001-4b9cd4ddf3e8" xlink:type="locator"/>
<link:calculationArc order="15" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsToFundPolicyLoans_2e9d9c62-a5cf-ad45-c001-4b9cd4ddf3e8" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireOtherInvestments" xlink:label="loc_us-gaap_PaymentsToAcquireOtherInvestments_483713d8-e500-be9d-d173-6b5e26416fef" xlink:type="locator"/>
<link:calculationArc order="16" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsToAcquireOtherInvestments_483713d8-e500-be9d-d173-6b5e26416fef" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_0f8df60b-841f-6df5-83c3-e4049d366459" xlink:type="locator"/>
<link:calculationArc order="17" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_0f8df60b-841f-6df5-83c3-e4049d366459" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_b92a22f8-1cb9-094b-2ac8-a15b13e50636" xlink:type="locator"/>
<link:calculationArc order="18" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_b92a22f8-1cb9-094b-2ac8-a15b13e50636" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsForProceedsFromShortTermInvestments" xlink:label="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_b3c5a846-48bb-91c4-f1e4-895395ec9c31" xlink:type="locator"/>
<link:calculationArc order="19" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_b3c5a846-48bb-91c4-f1e4-895395ec9c31" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_IncreaseDecreaseInCollateralHeldForDerivatives" xlink:label="loc_anat_IncreaseDecreaseInCollateralHeldForDerivatives_3cfef937-dd7b-64ce-5d1c-0ad0d4c11a8a" xlink:type="locator"/>
<link:calculationArc order="20" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_anat_IncreaseDecreaseInCollateralHeldForDerivatives_3cfef937-dd7b-64ce-5d1c-0ad0d4c11a8a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_b5cf64b6-8899-5a9a-328a-4f0a312ae378" xlink:type="locator"/>
<link:calculationArc order="21" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0f07a806-a2da-6d18-a7a9-d734fad1f3b0" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_b5cf64b6-8899-5a9a-328a-4f0a312ae378" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1efd93c0-bb90-2a64-a997-3a70afaa3faa" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_50231013-f048-89e7-0e20-ba139224c5f7" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1efd93c0-bb90-2a64-a997-3a70afaa3faa" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdditionsToContractHoldersFunds" xlink:label="loc_us-gaap_AdditionsToContractHoldersFunds_c0a18b30-d2b7-a255-dbe8-e7e84800339f" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1efd93c0-bb90-2a64-a997-3a70afaa3faa" xlink:to="loc_us-gaap_AdditionsToContractHoldersFunds_c0a18b30-d2b7-a255-dbe8-e7e84800339f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_WithdrawalFromContractHoldersFunds" xlink:label="loc_us-gaap_WithdrawalFromContractHoldersFunds_67cb1bbd-4ad0-370e-fcf0-93ab53c997da" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1efd93c0-bb90-2a64-a997-3a70afaa3faa" xlink:to="loc_us-gaap_WithdrawalFromContractHoldersFunds_67cb1bbd-4ad0-370e-fcf0-93ab53c997da" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfNotesPayable" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfNotesPayable_7170aef7-80d2-28be-04f6-1a7f505e822f" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1efd93c0-bb90-2a64-a997-3a70afaa3faa" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfNotesPayable_7170aef7-80d2-28be-04f6-1a7f505e822f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_41d72ed0-9a2b-31fb-9f8e-ad33f5eca26a" xlink:type="locator"/>
<link:calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1efd93c0-bb90-2a64-a997-3a70afaa3faa" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_41d72ed0-9a2b-31fb-9f8e-ad33f5eca26a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromPaymentsToMinorityShareholders" xlink:label="loc_us-gaap_ProceedsFromPaymentsToMinorityShareholders_a5558ca5-de7e-d601-74c6-b1b2ae9f8625" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1efd93c0-bb90-2a64-a997-3a70afaa3faa" xlink:to="loc_us-gaap_ProceedsFromPaymentsToMinorityShareholders_a5558ca5-de7e-d601-74c6-b1b2ae9f8625" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/ConsolidatedStatementsOfChangesInEquity" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/ConsolidatedStatementsOfComprehensiveIncomeLoss" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_5c8b3520-1ca2-0a91-0912-70d62831826c" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_c4761fa8-dc2a-e270-4b5c-921deca83ad0" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_5c8b3520-1ca2-0a91-0912-70d62831826c" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_c4761fa8-dc2a-e270-4b5c-921deca83ad0" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProfitLoss" xlink:label="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_c4761fa8-dc2a-e270-4b5c-921deca83ad0" xlink:to="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_1ed26a82-dd4b-490f-d61a-b04c5d44793e" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_c4761fa8-dc2a-e270-4b5c-921deca83ad0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_1ed26a82-dd4b-490f-d61a-b04c5d44793e" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_06dfb931-62f3-bab4-4c41-dbf77bf8befd" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_1ed26a82-dd4b-490f-d61a-b04c5d44793e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_06dfb931-62f3-bab4-4c41-dbf77bf8befd" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_68a2669c-01f8-c962-bf95-0b4231cd45da" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_1ed26a82-dd4b-490f-d61a-b04c5d44793e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_68a2669c-01f8-c962-bf95-0b4231cd45da" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_bfbc3edc-1edc-bfc6-c7b6-fb403917e31e" xlink:type="locator"/>
<link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_1ed26a82-dd4b-490f-d61a-b04c5d44793e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_bfbc3edc-1edc-bfc6-c7b6-fb403917e31e" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_51cce957-7438-47fa-f5b3-33f2b5e56016" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_5c8b3520-1ca2-0a91-0912-70d62831826c" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_51cce957-7438-47fa-f5b3-33f2b5e56016" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/ConsolidatedStatementsOfFinancialPosition" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_d7f1ad03-6ed4-706a-15fc-eae794dee33a" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_d7f1ad03-6ed4-706a-15fc-eae794dee33a" xlink:to="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsLife" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitsLife_bee54c79-a392-d8dc-94aa-47d26313c2de" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitsLife_bee54c79-a392-d8dc-94aa-47d26313c2de" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsIndividualAndGroupAnnuitiesAndSupplementaryContracts" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitsIndividualAndGroupAnnuitiesAndSupplementaryContracts_cbd7aeea-f351-79b5-920f-7850762a39b9" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitsIndividualAndGroupAnnuitiesAndSupplementaryContracts_cbd7aeea-f351-79b5-920f-7850762a39b9" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsDisabilityAndAccidentBenefits" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitsDisabilityAndAccidentBenefits_1c2e2176-88d0-1678-5caf-457b156802ef" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitsDisabilityAndAccidentBenefits_1c2e2176-88d0-1678-5caf-457b156802ef" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PolicyholderContractDeposits" xlink:label="loc_us-gaap_PolicyholderContractDeposits_b7f7aa63-aff1-624f-fc89-624b6a02ebc6" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_PolicyholderContractDeposits_b7f7aa63-aff1-624f-fc89-624b6a02ebc6" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_abd16f49-26bc-4cce-6af2-35474b4f0a92" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_abd16f49-26bc-4cce-6af2-35474b4f0a92" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_UnearnedPremiums" xlink:label="loc_us-gaap_UnearnedPremiums_1f6f3cde-87b1-2c7b-c8d1-cd12a39b021a" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_UnearnedPremiums_1f6f3cde-87b1-2c7b-c8d1-cd12a39b021a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherPolicyholderFunds" xlink:label="loc_us-gaap_OtherPolicyholderFunds_a238746a-dfa4-a5ac-5b5c-b0b0b8ebf124" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_OtherPolicyholderFunds_a238746a-dfa4-a5ac-5b5c-b0b0b8ebf124" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent" xlink:label="loc_us-gaap_PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_05923952-3428-ded6-0d76-2e7d3f78c52b" xlink:type="locator"/>
<link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_05923952-3428-ded6-0d76-2e7d3f78c52b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NotesPayable" xlink:label="loc_us-gaap_NotesPayable_200b26a8-e140-b376-f8e7-702a4ee22375" xlink:type="locator"/>
<link:calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_NotesPayable_200b26a8-e140-b376-f8e7-702a4ee22375" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="loc_us-gaap_DeferredTaxLiabilities_f31cb66e-0de8-54fb-4788-53b3cde0ec2f" xlink:type="locator"/>
<link:calculationArc order="10" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_DeferredTaxLiabilities_f31cb66e-0de8-54fb-4788-53b3cde0ec2f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TaxesPayableCurrent" xlink:label="loc_us-gaap_TaxesPayableCurrent_47896491-55c6-1eb9-d2fd-7a2bb89405ec" xlink:type="locator"/>
<link:calculationArc order="11" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_TaxesPayableCurrent_47896491-55c6-1eb9-d2fd-7a2bb89405ec" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="loc_us-gaap_OtherLiabilities_ff0e0b1b-b140-8889-cbc7-6f0d76651556" xlink:type="locator"/>
<link:calculationArc order="12" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_OtherLiabilities_ff0e0b1b-b140-8889-cbc7-6f0d76651556" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeparateAccountsLiability" xlink:label="loc_us-gaap_SeparateAccountsLiability_a9c5f193-4162-ef86-5a07-6517ec488402" xlink:type="locator"/>
<link:calculationArc order="13" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_44863786-cbc4-bac4-e070-0a1f19314584" xlink:to="loc_us-gaap_SeparateAccountsLiability_a9c5f193-4162-ef86-5a07-6517ec488402" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_2605fa18-bbd8-c7d7-35fc-aace43a8c019" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_d7f1ad03-6ed4-706a-15fc-eae794dee33a" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_2605fa18-bbd8-c7d7-35fc-aace43a8c019" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity_4b9904d8-8624-0dbb-a949-29ff2cf808a8" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_2605fa18-bbd8-c7d7-35fc-aace43a8c019" xlink:to="loc_us-gaap_StockholdersEquity_4b9904d8-8624-0dbb-a949-29ff2cf808a8" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockValue" xlink:label="loc_us-gaap_CommonStockValue_f05ab245-2bd1-7865-e7ed-1461a5a6155f" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_4b9904d8-8624-0dbb-a949-29ff2cf808a8" xlink:to="loc_us-gaap_CommonStockValue_f05ab245-2bd1-7865-e7ed-1461a5a6155f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_9a00ddef-ccc2-f99c-735a-66b1e1849bbf" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_4b9904d8-8624-0dbb-a949-29ff2cf808a8" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_9a00ddef-ccc2-f99c-735a-66b1e1849bbf" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_988c1346-b444-a867-fe80-f3aec1443d54" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_4b9904d8-8624-0dbb-a949-29ff2cf808a8" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_988c1346-b444-a867-fe80-f3aec1443d54" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_62305d8f-d807-0fe8-d0ab-f2c2b3d03011" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_4b9904d8-8624-0dbb-a949-29ff2cf808a8" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_62305d8f-d807-0fe8-d0ab-f2c2b3d03011" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="loc_us-gaap_TreasuryStockValue_e6069c8d-dfec-45ff-4b3f-643d125d5b29" xlink:type="locator"/>
<link:calculationArc order="5" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_4b9904d8-8624-0dbb-a949-29ff2cf808a8" xlink:to="loc_us-gaap_TreasuryStockValue_e6069c8d-dfec-45ff-4b3f-643d125d5b29" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_MinorityInterest" xlink:label="loc_us-gaap_MinorityInterest_3070eb63-b0f5-1f18-a22f-cc54a94922d9" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_2605fa18-bbd8-c7d7-35fc-aace43a8c019" xlink:to="loc_us-gaap_MinorityInterest_3070eb63-b0f5-1f18-a22f-cc54a94922d9" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Investments" xlink:label="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:to="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNi" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_c88e6350-e26e-969b-2f36-fb6881edab88" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_c88e6350-e26e-969b-2f36-fb6881edab88" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_2c6ef9ce-a886-ed19-8544-f0004ce97e8b" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:to="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_2c6ef9ce-a886-ed19-8544-f0004ce97e8b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansInsurancePolicy" xlink:label="loc_us-gaap_LoansInsurancePolicy_396e972d-2864-74e7-02db-5f891bff6a6f" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:to="loc_us-gaap_LoansInsurancePolicy_396e972d-2864-74e7-02db-5f891bff6a6f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RealEstateInvestmentPropertyNet" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyNet_724e927b-4c3a-bf32-5149-19a1c2957ea2" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyNet_724e927b-4c3a-bf32-5149-19a1c2957ea2" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShortTermInvestments" xlink:label="loc_us-gaap_ShortTermInvestments_19ee0686-4389-5dfa-deaf-cddb58597060" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:to="loc_us-gaap_ShortTermInvestments_19ee0686-4389-5dfa-deaf-cddb58597060" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherInvestments" xlink:label="loc_us-gaap_OtherInvestments_83cb8fda-8368-0bfc-07a8-e25c618c7b71" xlink:type="locator"/>
<link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_9f1ea5a8-e0ad-ec84-f87b-82d9863fd82f" xlink:to="loc_us-gaap_OtherInvestments_83cb8fda-8368-0bfc-07a8-e25c618c7b71" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_1de780cc-9607-daa3-0bed-03c88ae94769" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_1de780cc-9607-daa3-0bed-03c88ae94769" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:label="loc_us-gaap_EquityMethodInvestments_ed3f9f23-c931-eaa1-1c75-4ff1fe970e7d" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_EquityMethodInvestments_ed3f9f23-c931-eaa1-1c75-4ff1fe970e7d" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_bfbf3cab-2654-5a6a-253b-82bbababe3ce" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_bfbf3cab-2654-5a6a-253b-82bbababe3ce" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ReinsuranceRecoverables" xlink:label="loc_us-gaap_ReinsuranceRecoverables_658a8fa0-6c76-bddd-06f7-327dc70014a4" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_ReinsuranceRecoverables_658a8fa0-6c76-bddd-06f7-327dc70014a4" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PrepaidReinsurancePremiums" xlink:label="loc_us-gaap_PrepaidReinsurancePremiums_83169329-6715-22ed-9b09-d303c5de8b33" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_PrepaidReinsurancePremiums_83169329-6715-22ed-9b09-d303c5de8b33" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PremiumsAndOtherReceivablesNet" xlink:label="loc_us-gaap_PremiumsAndOtherReceivablesNet_d670d948-84c5-ae82-348f-de51fc207cdf" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_PremiumsAndOtherReceivablesNet_d670d948-84c5-ae82-348f-de51fc207cdf" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_73b0729e-31ca-4e5a-414b-f49774aa79ba" xlink:type="locator"/>
<link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_73b0729e-31ca-4e5a-414b-f49774aa79ba" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_4246ec24-1a4c-19dd-57c9-32d4a8e0cbaa" xlink:type="locator"/>
<link:calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_4246ec24-1a4c-19dd-57c9-32d4a8e0cbaa" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="loc_us-gaap_IncomeTaxReceivable_13dfc034-83cc-39e4-5596-a73aa2e4ef6c" xlink:type="locator"/>
<link:calculationArc order="10" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_IncomeTaxReceivable_13dfc034-83cc-39e4-5596-a73aa2e4ef6c" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_PrepaidPension" xlink:label="loc_anat_PrepaidPension_dde5eaa9-c663-cb5d-2b42-0ad0d5b18845" xlink:type="locator"/>
<link:calculationArc order="11" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_anat_PrepaidPension_dde5eaa9-c663-cb5d-2b42-0ad0d5b18845" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_53a34e15-d375-c4e0-c5cf-68e055eee5e5" xlink:type="locator"/>
<link:calculationArc order="12" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_OtherAssets_53a34e15-d375-c4e0-c5cf-68e055eee5e5" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeparateAccountAssets" xlink:label="loc_us-gaap_SeparateAccountAssets_5d6a8e53-9bcb-07e2-2882-da742763937f" xlink:type="locator"/>
<link:calculationArc order="13" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:to="loc_us-gaap_SeparateAccountAssets_5d6a8e53-9bcb-07e2-2882-da742763937f" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/ConsolidatedStatementsOfFinancialPositionParenthetical" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/ConsolidatedStatementsOfOperations" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_e170ce1e-c3a8-e8ee-88b0-37e8dd7b1d11" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProfitLoss" xlink:label="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_e170ce1e-c3a8-e8ee-88b0-37e8dd7b1d11" xlink:to="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterestBeforeIncomeLossFromEquityMethodInvestments" xlink:label="loc_anat_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterestBeforeIncomeLossFromEquityMethodInvestments_1ea5451b-e632-3275-5c23-0ad0d5c34abd" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:to="loc_anat_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterestBeforeIncomeLossFromEquityMethodInvestments_1ea5451b-e632-3275-5c23-0ad0d5c34abd" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_d71649eb-5769-933d-7982-2a2ada9ea257" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterestBeforeIncomeLossFromEquityMethodInvestments_1ea5451b-e632-3275-5c23-0ad0d5c34abd" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_d71649eb-5769-933d-7982-2a2ada9ea257" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_d71649eb-5769-933d-7982-2a2ada9ea257" xlink:to="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PremiumsEarnedNetLife" xlink:label="loc_us-gaap_PremiumsEarnedNetLife_1138674a-8d0f-c8b5-48b7-a51232d3c328" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_PremiumsEarnedNetLife_1138674a-8d0f-c8b5-48b7-a51232d3c328" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_PremiumAnnuity" xlink:label="loc_anat_PremiumAnnuity_994f3588-c561-76e9-4b55-0ad0d50a832c" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_anat_PremiumAnnuity_994f3588-c561-76e9-4b55-0ad0d50a832c" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PremiumsEarnedNetAccidentAndHealth" xlink:label="loc_us-gaap_PremiumsEarnedNetAccidentAndHealth_90d4b25a-5625-9340-6cbd-e25635b09ea3" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_PremiumsEarnedNetAccidentAndHealth_90d4b25a-5625-9340-6cbd-e25635b09ea3" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PremiumsEarnedNetPropertyAndCasualty" xlink:label="loc_us-gaap_PremiumsEarnedNetPropertyAndCasualty_22017442-3418-5730-36a5-40b2ecd2806a" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_PremiumsEarnedNetPropertyAndCasualty_22017442-3418-5730-36a5-40b2ecd2806a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InsuranceCommissionsAndFees" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_b64edb10-dd6a-d0da-ceb4-624a86d0cb27" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_b64edb10-dd6a-d0da-ceb4-624a86d0cb27" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="loc_us-gaap_NetInvestmentIncome_a9a877fc-5ca4-60d6-236e-1fd7da5874f2" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_NetInvestmentIncome_a9a877fc-5ca4-60d6-236e-1fd7da5874f2" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" xlink:label="loc_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments_aa0dd94b-c303-afa8-b9df-06c3d432d596" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments_aa0dd94b-c303-afa8-b9df-06c3d432d596" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairmentOfInvestments" xlink:label="loc_us-gaap_ImpairmentOfInvestments_65d12bfa-dee3-96e3-088b-777473e373e6" xlink:type="locator"/>
<link:calculationArc order="8" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_ImpairmentOfInvestments_65d12bfa-dee3-96e3-088b-777473e373e6" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNiGainLoss" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:type="locator"/>
<link:calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherIncome" xlink:label="loc_us-gaap_OtherIncome_b36cbb9c-3cb7-e834-cb02-aac35e8dbc1b" xlink:type="locator"/>
<link:calculationArc order="10" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_OtherIncome_b36cbb9c-3cb7-e834-cb02-aac35e8dbc1b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_BenefitsLossesAndExpenses" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_d71649eb-5769-933d-7982-2a2ada9ea257" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_PolicyHolderBenefitsAndClaimsIncurredLife" xlink:label="loc_anat_PolicyHolderBenefitsAndClaimsIncurredLife_30a35d13-cf85-fc42-80fa-0ad0d4c54203" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_anat_PolicyHolderBenefitsAndClaimsIncurredLife_30a35d13-cf85-fc42-80fa-0ad0d4c54203" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_PolicyHolderBenefitsAndClaimsIncurredAnnuity" xlink:label="loc_anat_PolicyHolderBenefitsAndClaimsIncurredAnnuity_9e7f26d8-d4f3-8e1a-393c-0ad0d51fd602" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_anat_PolicyHolderBenefitsAndClaimsIncurredAnnuity_9e7f26d8-d4f3-8e1a-393c-0ad0d51fd602" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredHealthCare" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredHealthCare_0b0c6c9c-9c42-e7b5-1193-3b78881c2b7c" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredHealthCare_0b0c6c9c-9c42-e7b5-1193-3b78881c2b7c" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncurredClaimsPropertyCasualtyAndLiability" xlink:label="loc_us-gaap_IncurredClaimsPropertyCasualtyAndLiability_20d006d6-9433-0726-c9f2-14c4cf6a5e1a" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_IncurredClaimsPropertyCasualtyAndLiability_20d006d6-9433-0726-c9f2-14c4cf6a5e1a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestCreditedToPolicyholdersAccountBalances" xlink:label="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_1c9a7d64-31ba-3aa7-8ac6-3e983ded771d" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_1c9a7d64-31ba-3aa7-8ac6-3e983ded771d" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InsuranceCommissions" xlink:label="loc_us-gaap_InsuranceCommissions_745ad1e0-c087-0fb8-e4b8-2d37e236a3a7" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_InsuranceCommissions_745ad1e0-c087-0fb8-e4b8-2d37e236a3a7" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_fdd3a041-a733-299c-016d-efa8e43f811b" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_OtherCostAndExpenseOperating_fdd3a041-a733-299c-016d-efa8e43f811b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_360094d4-9387-1e15-c2a3-cc1b6baa796a" xlink:type="locator"/>
<link:calculationArc order="8" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_360094d4-9387-1e15-c2a3-cc1b6baa796a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations" xlink:label="loc_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_c4db70dd-653d-338f-7465-7cd2417ef806" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterestBeforeIncomeLossFromEquityMethodInvestments_1ea5451b-e632-3275-5c23-0ad0d5c34abd" xlink:to="loc_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_c4db70dd-653d-338f-7465-7cd2417ef806" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CurrentFederalTaxExpenseBenefit" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_1007d9fe-6d83-c6c6-eef9-c29803b14ec7" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_c4db70dd-653d-338f-7465-7cd2417ef806" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_1007d9fe-6d83-c6c6-eef9-c29803b14ec7" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_db02e614-93e7-eddf-abe0-a58cca48e685" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_c4db70dd-653d-338f-7465-7cd2417ef806" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_db02e614-93e7-eddf-abe0-a58cca48e685" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_86dec120-3352-31c8-fc61-55992f948bdd" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_86dec120-3352-31c8-fc61-55992f948bdd" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetPeriodicDefinedBenefitsExpenseReversalOfExpenseExcludingServiceCostComponent" xlink:label="loc_us-gaap_NetPeriodicDefinedBenefitsExpenseReversalOfExpenseExcludingServiceCostComponent_ed24fa2e-e2c1-1cd8-1a8f-4a232ae4aeb2" xlink:type="locator"/>
<link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_8b582348-a62e-cdfb-bc53-d5894b42e091" xlink:to="loc_us-gaap_NetPeriodicDefinedBenefitsExpenseReversalOfExpenseExcludingServiceCostComponent_ed24fa2e-e2c1-1cd8-1a8f-4a232ae4aeb2" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_a3a6becb-cb5c-3f3c-51b9-6edd8011ed69" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_e170ce1e-c3a8-e8ee-88b0-37e8dd7b1d11" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_a3a6becb-cb5c-3f3c-51b9-6edd8011ed69" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/DeferredPolicyAcquisitionCosts" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/DeferredPolicyAcquisitionCostsDeferredPolicyAcquisitionCostsDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease_96e31180-dd81-0bc9-cc79-f471a4c2bdc0" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsAdditions" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsAdditions_17c4e03a-9f25-d2b3-f7a6-7b190294c999" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease_96e31180-dd81-0bc9-cc79-f471a4c2bdc0" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostsAdditions_17c4e03a-9f25-d2b3-f7a6-7b190294c999" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_38e1b97a-f1b1-f812-80d5-40ea1c6c88e5" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease_96e31180-dd81-0bc9-cc79-f471a4c2bdc0" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_38e1b97a-f1b1-f812-80d5-40ea1c6c88e5" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostUnrealizedInvestmentGainLoss" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostUnrealizedInvestmentGainLoss_41a071ee-5b0d-e5a8-dfb3-de023077a579" xlink:type="locator"/>
<link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease_96e31180-dd81-0bc9-cc79-f471a4c2bdc0" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostUnrealizedInvestmentGainLoss_41a071ee-5b0d-e5a8-dfb3-de023077a579" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/DeferredPolicyAcquisitionCostsTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/DerivativeInstruments" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/DerivativeInstrumentsScheduleOfDerivativeInstrumentsReportedInFinancialPositionDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/DerivativeInstrumentsScheduleOfDerivativeInstrumentsReportedInStatementsOfOperationsDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/DerivativeInstrumentsScheduleOfInformationRegardingCompanysExposureToCreditLossOnOptionsHoldsDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/DerivativeInstrumentsTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/DocumentAndEntityInformation" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/FairValueOfFinancialInstruments" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/FairValueOfFinancialInstrumentsAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/FairValueOfFinancialInstrumentsCarryingAmountAndFairValueOfFinancialInstrumentsDetail" xlink:type="extended">
<link:loc xlink:href="anat-20190630.xsd#anat_FinancialLiabilities" xlink:label="loc_anat_FinancialLiabilities_5815ff26-19b9-11de-67d5-0ad0d54a1f76" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DepositContractsLiabilities" xlink:label="loc_us-gaap_DepositContractsLiabilities_55553620-cfe0-08c4-266d-ddf885f5017e" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialLiabilities_5815ff26-19b9-11de-67d5-0ad0d54a1f76" xlink:to="loc_us-gaap_DepositContractsLiabilities_55553620-cfe0-08c4-266d-ddf885f5017e" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="loc_us-gaap_DerivativeLiabilities_c498d065-e002-c8b0-aba8-6aaec8302ba7" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialLiabilities_5815ff26-19b9-11de-67d5-0ad0d54a1f76" xlink:to="loc_us-gaap_DerivativeLiabilities_c498d065-e002-c8b0-aba8-6aaec8302ba7" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NotesPayable" xlink:label="loc_us-gaap_NotesPayable_200b26a8-e140-b376-f8e7-702a4ee22375" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialLiabilities_5815ff26-19b9-11de-67d5-0ad0d54a1f76" xlink:to="loc_us-gaap_NotesPayable_200b26a8-e140-b376-f8e7-702a4ee22375" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeparateAccountsLiability" xlink:label="loc_us-gaap_SeparateAccountsLiability_a9c5f193-4162-ef86-5a07-6517ec488402" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialLiabilities_5815ff26-19b9-11de-67d5-0ad0d54a1f76" xlink:to="loc_us-gaap_SeparateAccountsLiability_a9c5f193-4162-ef86-5a07-6517ec488402" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNi" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_c88e6350-e26e-969b-2f36-fb6881edab88" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_c88e6350-e26e-969b-2f36-fb6881edab88" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="loc_us-gaap_DerivativeAssets_05d1a9f5-40b5-5876-afca-b2b8e7f078c9" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_us-gaap_DerivativeAssets_05d1a9f5-40b5-5876-afca-b2b8e7f078c9" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_c2d49fdf-2cef-2342-8314-d1b307fc59df" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_c2d49fdf-2cef-2342-8314-d1b307fc59df" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansInsurancePolicy" xlink:label="loc_us-gaap_LoansInsurancePolicy_396e972d-2864-74e7-02db-5f891bff6a6f" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_us-gaap_LoansInsurancePolicy_396e972d-2864-74e7-02db-5f891bff6a6f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShortTermInvestments" xlink:label="loc_us-gaap_ShortTermInvestments_19ee0686-4389-5dfa-deaf-cddb58597060" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_us-gaap_ShortTermInvestments_19ee0686-4389-5dfa-deaf-cddb58597060" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeparateAccountAssets" xlink:label="loc_us-gaap_SeparateAccountAssets_5d6a8e53-9bcb-07e2-2882-da742763937f" xlink:type="locator"/>
<link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_us-gaap_SeparateAccountAssets_5d6a8e53-9bcb-07e2-2882-da742763937f" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_SeparatelyManagedAccounts" xlink:label="loc_anat_SeparatelyManagedAccounts_26ec7268-544f-8979-4f43-0ad0d5a4cb0f" xlink:type="locator"/>
<link:calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a0a5801b-c8ce-1793-dd5f-edbcde4cc5a3" xlink:to="loc_anat_SeparatelyManagedAccounts_26ec7268-544f-8979-4f43-0ad0d5a4cb0f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_3f029089-9676-c8b1-c974-7fd5c9cd5814" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilitiesRelatedToInvestmentContractsFairValueDisclosure" xlink:label="loc_us-gaap_LiabilitiesRelatedToInvestmentContractsFairValueDisclosure_53298a3c-e28e-6c67-cb75-be327617d7f8" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_3f029089-9676-c8b1-c974-7fd5c9cd5814" xlink:to="loc_us-gaap_LiabilitiesRelatedToInvestmentContractsFairValueDisclosure_53298a3c-e28e-6c67-cb75-be327617d7f8" xlink:type="arc"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_3f029089-9676-c8b1-c974-7fd5c9cd5814" xlink:to="loc_us-gaap_DerivativeLiabilities_c498d065-e002-c8b0-aba8-6aaec8302ba7" xlink:type="arc"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_3f029089-9676-c8b1-c974-7fd5c9cd5814" xlink:to="loc_us-gaap_SeparateAccountsLiability_a9c5f193-4162-ef86-5a07-6517ec488402" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NotesPayableFairValueDisclosure" xlink:label="loc_us-gaap_NotesPayableFairValueDisclosure_327d892c-f277-fd96-c768-aaafb3a32d6c" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_3f029089-9676-c8b1-c974-7fd5c9cd5814" xlink:to="loc_us-gaap_NotesPayableFairValueDisclosure_327d892c-f277-fd96-c768-aaafb3a32d6c" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_FinancialAssets" xlink:label="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:type="arc"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:type="arc"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_c88e6350-e26e-969b-2f36-fb6881edab88" xlink:type="arc"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_us-gaap_DerivativeAssets_05d1a9f5-40b5-5876-afca-b2b8e7f078c9" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_2c6ef9ce-a886-ed19-8544-f0004ce97e8b" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_2c6ef9ce-a886-ed19-8544-f0004ce97e8b" xlink:type="arc"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_us-gaap_LoansInsurancePolicy_396e972d-2864-74e7-02db-5f891bff6a6f" xlink:type="arc"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_us-gaap_ShortTermInvestments_19ee0686-4389-5dfa-deaf-cddb58597060" xlink:type="arc"/>
<link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_us-gaap_SeparateAccountAssets_5d6a8e53-9bcb-07e2-2882-da742763937f" xlink:type="arc"/>
<link:calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancialAssets_ac81c62d-7f69-8b1c-618e-0ad0d52a337d" xlink:to="loc_anat_SeparatelyManagedAccounts_26ec7268-544f-8979-4f43-0ad0d5a4cb0f" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/FairValueOfFinancialInstrumentsFinancialInstrumentsMeasuredAtFairValueOnRecurringBasisUsingLevel3InputsDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/FairValueOfFinancialInstrumentsQuantitativeDisclosuresRegardingFairValueHierarchyMeasurementsDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_17ef3f41-42f7-52c0-cba1-93e7e0e1116a" xlink:type="locator"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/FairValueOfFinancialInstrumentsScheduleOfSignificantUnobservableInputsUsedToCalculateLevel3FairValueOfEmbeddedDerivativesWithinPolicyholderContractDepositsDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/FairValueOfFinancialInstrumentsTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/FederalIncomeTaxes" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/FederalIncomeTaxesAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/FederalIncomeTaxesEffectiveIncomeTaxReconciliationDetail" xlink:type="extended">
<link:loc xlink:href="anat-20190630.xsd#anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense" xlink:label="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_7c7e16b8-0aa9-c1c4-f1b1-272374ca83dc" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:to="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_7c7e16b8-0aa9-c1c4-f1b1-272374ca83dc" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_IncomeTaxReconciliationIncomeTaxExpenseBenefitBeforeTaxOnEquityEarningsOfUnconsolidatedAffiliates" xlink:label="loc_anat_IncomeTaxReconciliationIncomeTaxExpenseBenefitBeforeTaxOnEquityEarningsOfUnconsolidatedAffiliates_05d6375b-b075-1783-3aa7-0ad0d5056396" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_7c7e16b8-0aa9-c1c4-f1b1-272374ca83dc" xlink:to="loc_anat_IncomeTaxReconciliationIncomeTaxExpenseBenefitBeforeTaxOnEquityEarningsOfUnconsolidatedAffiliates_05d6375b-b075-1783-3aa7-0ad0d5056396" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_IncomeTaxReconciliationTaxOnEquityEarningsOfUnconsolidatedAffiliates" xlink:label="loc_anat_IncomeTaxReconciliationTaxOnEquityEarningsOfUnconsolidatedAffiliates_ca16ccc1-3622-1d79-6194-0ad0d4d95814" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_7c7e16b8-0aa9-c1c4-f1b1-272374ca83dc" xlink:to="loc_anat_IncomeTaxReconciliationTaxOnEquityEarningsOfUnconsolidatedAffiliates_ca16ccc1-3622-1d79-6194-0ad0d4d95814" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_4cc3df36-3d5f-4a60-d2a6-85db727ccf82" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_4cc3df36-3d5f-4a60-d2a6-85db727ccf82" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_IncomeTaxReconciliationDeferredTaxAdjustmentsIncludingTaxReform" xlink:label="loc_anat_IncomeTaxReconciliationDeferredTaxAdjustmentsIncludingTaxReform_9c128f9d-72b7-7dba-13fe-0ad0d59ef6d9" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:to="loc_anat_IncomeTaxReconciliationDeferredTaxAdjustmentsIncludingTaxReform_9c128f9d-72b7-7dba-13fe-0ad0d59ef6d9" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationDeductionsDividends" xlink:label="loc_us-gaap_IncomeTaxReconciliationDeductionsDividends_c242e47a-f526-0baa-423c-33843d0237a2" xlink:type="locator"/>
<link:calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:to="loc_us-gaap_IncomeTaxReconciliationDeductionsDividends_c242e47a-f526-0baa-423c-33843d0237a2" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxCredits" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxCredits_c4fdeb46-4aee-508e-a0bc-a3b116ae2542" xlink:type="locator"/>
<link:calculationArc order="5" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxCredits_c4fdeb46-4aee-508e-a0bc-a3b116ae2542" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_IncomeTaxReconciliationTaxCreditsLowIncomeHousing" xlink:label="loc_anat_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_3eb4e614-6d7b-8ef6-923b-0ad0d541c521" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:to="loc_anat_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_3eb4e614-6d7b-8ef6-923b-0ad0d541c521" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="loc_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_a0223de0-196e-53c5-0690-f9f0d2ab9105" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:to="loc_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_a0223de0-196e-53c5-0690-f9f0d2ab9105" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:label="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments_49a08e86-47b2-01fa-94cc-0320e102ec63" xlink:type="locator"/>
<link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_a569cee0-5581-a1b8-f36f-0ad0d56de910" xlink:to="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments_49a08e86-47b2-01fa-94cc-0320e102ec63" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense" xlink:label="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_5ef0c8c5-04c5-1c10-a59e-3eaa9cf923b4" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_5ef0c8c5-04c5-1c10-a59e-3eaa9cf923b4" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_EffectiveIncomeTaxRateReconciliationOnIncomeBeforeTaxOnEquityInEarningsOfUnconsolidatedAffiliates" xlink:label="loc_anat_EffectiveIncomeTaxRateReconciliationOnIncomeBeforeTaxOnEquityInEarningsOfUnconsolidatedAffiliates_0e7d2e0d-7da2-35d4-4598-0ad0d4ee9e9d" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_5ef0c8c5-04c5-1c10-a59e-3eaa9cf923b4" xlink:to="loc_anat_EffectiveIncomeTaxRateReconciliationOnIncomeBeforeTaxOnEquityInEarningsOfUnconsolidatedAffiliates_0e7d2e0d-7da2-35d4-4598-0ad0d4ee9e9d" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_EffectiveIncomeTaxRateReconciliationOnTaxOnEquityInEarningsOfUnconsolidatedAffiliates" xlink:label="loc_anat_EffectiveIncomeTaxRateReconciliationOnTaxOnEquityInEarningsOfUnconsolidatedAffiliates_b2c1524f-b3de-440f-c574-0ad0d55c31a2" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_5ef0c8c5-04c5-1c10-a59e-3eaa9cf923b4" xlink:to="loc_anat_EffectiveIncomeTaxRateReconciliationOnTaxOnEquityInEarningsOfUnconsolidatedAffiliates_b2c1524f-b3de-440f-c574-0ad0d55c31a2" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_aeca0f8c-5c05-0b2e-dcc5-0c21b3b14843" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_aeca0f8c-5c05-0b2e-dcc5-0c21b3b14843" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_EffectiveIncomeTaxRateReconciliationDeferredTaxAdjustmentsIncludingTaxReform" xlink:label="loc_anat_EffectiveIncomeTaxRateReconciliationDeferredTaxAdjustmentsIncludingTaxReform_b57b31d2-7371-8854-41ce-0ad0d53e3ccb" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:to="loc_anat_EffectiveIncomeTaxRateReconciliationDeferredTaxAdjustmentsIncludingTaxReform_b57b31d2-7371-8854-41ce-0ad0d53e3ccb" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends_f67a99de-4aa4-dc6f-bf36-f3cbd9115554" xlink:type="locator"/>
<link:calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends_f67a99de-4aa4-dc6f-bf36-f3cbd9115554" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits_760e1cd1-b180-e0c4-17a8-eef24284a1cb" xlink:type="locator"/>
<link:calculationArc order="5" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits_760e1cd1-b180-e0c4-17a8-eef24284a1cb" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_EffectiveIncomeTaxRateReconciliationTaxCreditLowIncomeHousingExpensePercent" xlink:label="loc_anat_EffectiveIncomeTaxRateReconciliationTaxCreditLowIncomeHousingExpensePercent_df3aa366-f37f-f4f8-34de-0ad0d58af86d" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:to="loc_anat_EffectiveIncomeTaxRateReconciliationTaxCreditLowIncomeHousingExpensePercent_df3aa366-f37f-f4f8-34de-0ad0d58af86d" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance_77b9f787-6596-82cb-4698-f0991c80113b" xlink:type="locator"/>
<link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance_77b9f787-6596-82cb-4698-f0991c80113b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_c16a0eb3-02da-6ea0-91e7-3203372f71fd" xlink:type="locator"/>
<link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_EffectiveIncomeTaxRateReconciliationFederalIncomeTaxExpenseBenefitContinuingOperationsBeforeInterestExpense_196fa436-5119-727d-8838-0ad0d4888ed1" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_c16a0eb3-02da-6ea0-91e7-3203372f71fd" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/FederalIncomeTaxesTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecurities" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesBondByCreditQualityRatingDistributionDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesChangeInNetUnrealizedGainsLossesOnSecuritiesDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNiGainLoss" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNiRealizedGainLoss" xlink:label="loc_us-gaap_EquitySecuritiesFvNiRealizedGainLoss_f58cdd58-ff91-98c1-35e0-767a98cb995c" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:to="loc_us-gaap_EquitySecuritiesFvNiRealizedGainLoss_f58cdd58-ff91-98c1-35e0-767a98cb995c" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_49114a85-ad4d-5281-8cd5-2f6823af0c64" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_49114a85-ad4d-5281-8cd5-2f6823af0c64" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_06dfb931-62f3-bab4-4c41-dbf77bf8befd" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_c4ac2521-eb1a-fa8f-6a84-e79d4c95e1da" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_06dfb931-62f3-bab4-4c41-dbf77bf8befd" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_c4ac2521-eb1a-fa8f-6a84-e79d4c95e1da" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostUnrealizedInvestmentGainLoss" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostUnrealizedInvestmentGainLoss_41a071ee-5b0d-e5a8-dfb3-de023077a579" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_06dfb931-62f3-bab4-4c41-dbf77bf8befd" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostUnrealizedInvestmentGainLoss_41a071ee-5b0d-e5a8-dfb3-de023077a579" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_ChangeInUnrealizedGainsLossesOfInvestmentsAttributableToParticipatingPolicyholdersInterest" xlink:label="loc_anat_ChangeInUnrealizedGainsLossesOfInvestmentsAttributableToParticipatingPolicyholdersInterest_50db2f99-1c88-e32b-5af6-0ad0d4a76885" xlink:type="locator"/>
<link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_06dfb931-62f3-bab4-4c41-dbf77bf8befd" xlink:to="loc_anat_ChangeInUnrealizedGainsLossesOfInvestmentsAttributableToParticipatingPolicyholdersInterest_50db2f99-1c88-e32b-5af6-0ad0d4a76885" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_89ab4424-c682-dfd3-2dd6-f3b69eaac005" xlink:type="locator"/>
<link:calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_06dfb931-62f3-bab4-4c41-dbf77bf8befd" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_89ab4424-c682-dfd3-2dd6-f3b69eaac005" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesEquitySecuritiesByMarketSectorDistributionDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesGrossUnrealizedLossesAndFairValueOfInvestmentSecuritiesDetail" xlink:type="extended">
<link:loc xlink:href="anat-20190630.xsd#anat_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments" xlink:label="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments_7664f3fc-45f5-12e5-8585-0ad0d4b67bde" xlink:type="locator"/>
<link:loc xlink:href="anat-20190630.xsd#anat_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments" xlink:label="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments_6a2ffee2-29dd-fdcf-7253-0ad0d5bfd077" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments_7664f3fc-45f5-12e5-8585-0ad0d4b67bde" xlink:to="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments_6a2ffee2-29dd-fdcf-7253-0ad0d5bfd077" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments" xlink:label="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments_87bba084-d31a-6767-61cc-0ad0d5b08c72" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments_7664f3fc-45f5-12e5-8585-0ad0d4b67bde" xlink:to="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments_87bba084-d31a-6767-61cc-0ad0d5b08c72" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_64e23ddb-ad65-cdbd-d562-3e6299c3a146" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_0ba7a231-6c8d-d491-aacb-6bc82e6dda66" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_64e23ddb-ad65-cdbd-d562-3e6299c3a146" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_0ba7a231-6c8d-d491-aacb-6bc82e6dda66" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_58eba6d8-9ca2-2c51-6e52-78c02bd035e7" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_64e23ddb-ad65-cdbd-d562-3e6299c3a146" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_58eba6d8-9ca2-2c51-6e52-78c02bd035e7" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_805e20a6-7e43-b220-f671-d96a4f63ed2c" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_518be365-6e53-8529-8da7-d2148cf3ff49" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_805e20a6-7e43-b220-f671-d96a4f63ed2c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_518be365-6e53-8529-8da7-d2148cf3ff49" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_19912136-25c3-3869-4f94-6295fa0f2aff" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_805e20a6-7e43-b220-f671-d96a4f63ed2c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_19912136-25c3-3869-4f94-6295fa0f2aff" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_6a2ab4f1-73c0-397b-ff46-cdc67a75525b" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_70814a96-78bb-cfe6-5479-487621c0f544" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_6a2ab4f1-73c0-397b-ff46-cdc67a75525b" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_70814a96-78bb-cfe6-5479-487621c0f544" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_b7045eda-4a4a-d519-1c85-901a5d1fd12c" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_6a2ab4f1-73c0-397b-ff46-cdc67a75525b" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_b7045eda-4a4a-d519-1c85-901a5d1fd12c" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_InvestmentSecuritiesContinuousUnrealizedLossPositionsFairValue" xlink:label="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionsFairValue_c98f42e5-16a6-a767-6e8b-0ad0d49e4691" xlink:type="locator"/>
<link:loc xlink:href="anat-20190630.xsd#anat_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_af9460f6-12e2-e2f5-cd7d-0ad0d5974521" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionsFairValue_c98f42e5-16a6-a767-6e8b-0ad0d49e4691" xlink:to="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_af9460f6-12e2-e2f5-cd7d-0ad0d5974521" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_6c702c94-2113-bb7a-d091-0ad0d531f6a8" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionsFairValue_c98f42e5-16a6-a767-6e8b-0ad0d49e4691" xlink:to="loc_anat_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_6c702c94-2113-bb7a-d091-0ad0d531f6a8" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_e8232beb-3b35-3277-ef1c-979cdf5dac97" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_ae356e53-ce1e-0e66-7471-691b687d322a" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_e8232beb-3b35-3277-ef1c-979cdf5dac97" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_ae356e53-ce1e-0e66-7471-691b687d322a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_8d25c9ef-773d-0836-3c19-aae50a60cedb" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_e8232beb-3b35-3277-ef1c-979cdf5dac97" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_8d25c9ef-773d-0836-3c19-aae50a60cedb" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesInvestmentsInSecuritiesDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_d7d63001-cc8d-097b-a0dc-f2e7b842eedb" xlink:type="locator"/>
<link:calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_d7d63001-cc8d-097b-a0dc-f2e7b842eedb" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_6a2ab4f1-73c0-397b-ff46-cdc67a75525b" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_6a2ab4f1-73c0-397b-ff46-cdc67a75525b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesCost" xlink:label="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesCost_383111cd-1f8b-d059-f1e1-0ad0d4fe2138" xlink:type="locator"/>
<link:loc xlink:href="anat-20190630.xsd#anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedGains" xlink:label="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedGains_2a73ef77-ce66-ab4a-0f00-0ad0d5455881" xlink:type="locator"/>
<link:calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesCost_383111cd-1f8b-d059-f1e1-0ad0d4fe2138" xlink:to="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedGains_2a73ef77-ce66-ab4a-0f00-0ad0d5455881" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedLosses" xlink:label="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedLosses_476f4b7f-a0b3-212a-ea95-0ad0d5b39767" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesCost_383111cd-1f8b-d059-f1e1-0ad0d4fe2138" xlink:to="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedLosses_476f4b7f-a0b3-212a-ea95-0ad0d5b39767" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesFairValue" xlink:label="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesFairValue_86e7ccf4-052c-68f7-8379-0ad0d5689407" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesCost_383111cd-1f8b-d059-f1e1-0ad0d4fe2138" xlink:to="loc_anat_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesFairValue_86e7ccf4-052c-68f7-8379-0ad0d5689407" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9fbaf9cb-468f-3b91-9cf2-18d26152173d" xlink:type="locator"/>
<link:calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9fbaf9cb-468f-3b91-9cf2-18d26152173d" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_a23ab896-034e-8e96-1a84-63ffb40e496e" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_a23ab896-034e-8e96-1a84-63ffb40e496e" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesMaturitiesOfInvestmentsDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_7f64a45e-170f-8856-66e3-8287b0258afc" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_7f64a45e-170f-8856-66e3-8287b0258afc" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_e393a271-d6ec-6465-0402-26e60e041424" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_e393a271-d6ec-6465-0402-26e60e041424" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_e714f5ac-9e4f-df31-0686-67d03ae6b311" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_e714f5ac-9e4f-df31-0686-67d03ae6b311" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_2a5a52df-c284-3f9c-afd1-51cb45cbe3b9" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_68681ceb-ee59-4c23-4b8e-33a166cc5b4e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_2a5a52df-c284-3f9c-afd1-51cb45cbe3b9" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_2689b18d-c088-f9d0-8533-bbbc6703e3ca" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_2689b18d-c088-f9d0-8533-bbbc6703e3ca" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_ec915ab0-b06c-8246-6113-1ffd431b1e4b" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_ec915ab0-b06c-8246-6113-1ffd431b1e4b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_685bf464-cfee-568e-f726-7f96d378e9e1" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_685bf464-cfee-568e-f726-7f96d378e9e1" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_5fa99027-0ebb-5ffa-2596-c5d8d96d1a7f" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_27940abc-0cb4-eab4-8ef0-df4a4c0bb415" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_5fa99027-0ebb-5ffa-2596-c5d8d96d1a7f" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_d870856f-841f-c3d0-a313-ca9d525216a8" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_d870856f-841f-c3d0-a313-ca9d525216a8" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_6a2a51c8-a80d-af5e-4dc1-d2eeba9d310c" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_6a2a51c8-a80d-af5e-4dc1-d2eeba9d310c" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_7f031d71-7992-4d18-a9d4-3c1221e2a6bb" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_7f031d71-7992-4d18-a9d4-3c1221e2a6bb" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_dea36972-70da-958f-bd14-29224bedcb55" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e562c48b-3e99-2c57-8e96-c3b81056b58c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_dea36972-70da-958f-bd14-29224bedcb55" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_912d08f8-1726-bfae-7790-02952b46ab84" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_912d08f8-1726-bfae-7790-02952b46ab84" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_20c7522f-3e17-8a70-2997-1273217c0ef3" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_20c7522f-3e17-8a70-2997-1273217c0ef3" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_e115b662-fdd2-274c-b973-0fa9b84d98fc" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_e115b662-fdd2-274c-b973-0fa9b84d98fc" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_17e3cd6c-f92b-144a-7efd-e3eacd4de85c" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4f9b7046-b000-3e9f-077e-198f95563d5e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_17e3cd6c-f92b-144a-7efd-e3eacd4de85c" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesProceedsFromAvailableForSaleSecuritiesAndRealizedGainLossDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/InvestmentInSecuritiesTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/LiabilityForUnpaidClaimsAndClaimAdjustmentExpenses" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesLiabilityForUnpaidClaimsAndClaimAdjustmentExpensesDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_d8f63898-4459-5fff-0e7a-e5ce271818ac" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_4de47903-8980-491e-a005-9d6fcf669df1" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_d8f63898-4459-5fff-0e7a-e5ce271818ac" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_4de47903-8980-491e-a005-9d6fcf669df1" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_7cd7aeac-daa5-55ab-c126-aed30065b1de" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_d8f63898-4459-5fff-0e7a-e5ce271818ac" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_7cd7aeac-daa5-55ab-c126-aed30065b1de" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_4a09b102-4796-3f11-5735-c1e035a996f0" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_04da4ee7-f521-b045-0459-5ddb7480d030" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_4a09b102-4796-3f11-5735-c1e035a996f0" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_04da4ee7-f521-b045-0459-5ddb7480d030" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_67ba34ec-e3e8-6c46-146a-ddb0928dee95" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_4a09b102-4796-3f11-5735-c1e035a996f0" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_67ba34ec-e3e8-6c46-146a-ddb0928dee95" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_33332d81-2d27-5458-c417-900e0a7d3251" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_abd16f49-26bc-4cce-6af2-35474b4f0a92" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_33332d81-2d27-5458-c417-900e0a7d3251" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_abd16f49-26bc-4cce-6af2-35474b4f0a92" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ReinsuranceRecoverables" xlink:label="loc_us-gaap_ReinsuranceRecoverables_658a8fa0-6c76-bddd-06f7-327dc70014a4" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_33332d81-2d27-5458-c417-900e0a7d3251" xlink:to="loc_us-gaap_ReinsuranceRecoverables_658a8fa0-6c76-bddd-06f7-327dc70014a4" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/LiabilityForUnpaidClaimsAndClaimAdjustmentExpensesTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/MortgageLoans" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/MortgageLoansAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/MortgageLoansAgeAnalysisOfPastDueLoansDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_2c6ef9ce-a886-ed19-8544-f0004ce97e8b" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="loc_us-gaap_NotesReceivableGross_e796d0cf-da81-3204-03ae-99409acba65b" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_2c6ef9ce-a886-ed19-8544-f0004ce97e8b" xlink:to="loc_us-gaap_NotesReceivableGross_e796d0cf-da81-3204-03ae-99409acba65b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDue_237f5632-95a9-3802-43df-2ff16ba46a11" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableGross_e796d0cf-da81-3204-03ae-99409acba65b" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDue_237f5632-95a9-3802-43df-2ff16ba46a11" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentCurrent_06586565-6cb8-0c2d-2918-46c33c36a989" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableGross_e796d0cf-da81-3204-03ae-99409acba65b" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentCurrent_06586565-6cb8-0c2d-2918-46c33c36a989" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_49fa56b1-694e-15e4-ede0-eecade731014" xlink:type="locator"/>
<link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_2c6ef9ce-a886-ed19-8544-f0004ce97e8b" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_49fa56b1-694e-15e4-ede0-eecade731014" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/MortgageLoansChangeInAllowanceForCreditLossesInMortgageLoansDetail" xlink:type="extended">
<link:loc xlink:href="anat-20190630.xsd#anat_LoansAndLeasesReceivableGrossChangeInRecordedInvestment" xlink:label="loc_anat_LoansAndLeasesReceivableGrossChangeInRecordedInvestment_a206ff0f-a25f-2b90-62b0-0ad0d519b899" xlink:type="locator"/>
<link:loc xlink:href="anat-20190630.xsd#anat_FinancingReceivableCollectivelyEvaluatedForImpairmentChangeInRecordedInvestment" xlink:label="loc_anat_FinancingReceivableCollectivelyEvaluatedForImpairmentChangeInRecordedInvestment_0e70d7c5-01ba-5fa3-5743-0ad0d4ca154a" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_LoansAndLeasesReceivableGrossChangeInRecordedInvestment_a206ff0f-a25f-2b90-62b0-0ad0d519b899" xlink:to="loc_anat_FinancingReceivableCollectivelyEvaluatedForImpairmentChangeInRecordedInvestment_0e70d7c5-01ba-5fa3-5743-0ad0d4ca154a" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_FinancingReceivableIndividuallyEvaluatedForImpairmentChangeInRecordedInvestment" xlink:label="loc_anat_FinancingReceivableIndividuallyEvaluatedForImpairmentChangeInRecordedInvestment_afdfa471-fc2c-89ef-ee1b-0ad0d48d762e" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_LoansAndLeasesReceivableGrossChangeInRecordedInvestment_a206ff0f-a25f-2b90-62b0-0ad0d519b899" xlink:to="loc_anat_FinancingReceivableIndividuallyEvaluatedForImpairmentChangeInRecordedInvestment_afdfa471-fc2c-89ef-ee1b-0ad0d48d762e" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoans" xlink:label="loc_anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoans_6b7a6e8f-098a-cbdf-8043-0ad0d5c6e80c" xlink:type="locator"/>
<link:loc xlink:href="anat-20190630.xsd#anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoansCollectivelyEvaluatedForImpairment" xlink:label="loc_anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoansCollectivelyEvaluatedForImpairment_afbf907d-bddf-0ade-c458-0ad0d51ba4f6" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoans_6b7a6e8f-098a-cbdf-8043-0ad0d5c6e80c" xlink:to="loc_anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoansCollectivelyEvaluatedForImpairment_afbf907d-bddf-0ade-c458-0ad0d51ba4f6" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoansIndividuallyEvaluatedForImpairment" xlink:label="loc_anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoansIndividuallyEvaluatedForImpairment_7ee06e8b-2d45-f672-f86a-0ad0d5b90a2c" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoans_6b7a6e8f-098a-cbdf-8043-0ad0d5c6e80c" xlink:to="loc_anat_FinancingReceivableAllowanceForCreditLossesNumberOfLoansIndividuallyEvaluatedForImpairment_7ee06e8b-2d45-f672-f86a-0ad0d5b90a2c" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_fb9b10b1-d4d8-bf51-0524-f2efda24b93a" xlink:type="locator"/>
<link:loc xlink:href="anat-20190630.xsd#anat_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairmentProvisions" xlink:label="loc_anat_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairmentProvisions_92523e57-ba77-242b-9e32-0ad0d4a9f0fd" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_fb9b10b1-d4d8-bf51-0524-f2efda24b93a" xlink:to="loc_anat_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairmentProvisions_92523e57-ba77-242b-9e32-0ad0d4a9f0fd" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_FinancingReceivableAllowanceforCreditLossesIndividuallyEvaluatedforImpairmentProvisions" xlink:label="loc_anat_FinancingReceivableAllowanceforCreditLossesIndividuallyEvaluatedforImpairmentProvisions_C473533C33AC1DDCE7A051C1FECF10C0" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_fb9b10b1-d4d8-bf51-0524-f2efda24b93a" xlink:to="loc_anat_FinancingReceivableAllowanceforCreditLossesIndividuallyEvaluatedforImpairmentProvisions_C473533C33AC1DDCE7A051C1FECF10C0" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_49fa56b1-694e-15e4-ede0-eecade731014" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_20c5e6e7-1b55-5d96-0d54-b1ad997144c6" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_49fa56b1-694e-15e4-ede0-eecade731014" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_20c5e6e7-1b55-5d96-0d54-b1ad997144c6" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_604426e3-b956-f456-b7e3-eed43d239417" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_49fa56b1-694e-15e4-ede0-eecade731014" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_604426e3-b956-f456-b7e3-eed43d239417" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_ChangeInRecordedInvestmentNumberOfLoans" xlink:label="loc_anat_ChangeInRecordedInvestmentNumberOfLoans_df050436-e3f6-8093-f3eb-0ad0d55e918b" xlink:type="locator"/>
<link:loc xlink:href="anat-20190630.xsd#anat_ChangeInRecordedInvestmentNumberOfLoansCollectivelyEvaluatedForImpairment" xlink:label="loc_anat_ChangeInRecordedInvestmentNumberOfLoansCollectivelyEvaluatedForImpairment_4aa20fac-0b44-2969-49e5-0ad0d573b181" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_ChangeInRecordedInvestmentNumberOfLoans_df050436-e3f6-8093-f3eb-0ad0d55e918b" xlink:to="loc_anat_ChangeInRecordedInvestmentNumberOfLoansCollectivelyEvaluatedForImpairment_4aa20fac-0b44-2969-49e5-0ad0d573b181" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_ChangeInRecordedInvestmentNumberOfLoansIndividuallyEvaluatedForImpairment" xlink:label="loc_anat_ChangeInRecordedInvestmentNumberOfLoansIndividuallyEvaluatedForImpairment_e211a4ee-4aab-ae37-b558-0ad0d4bafcfd" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_anat_ChangeInRecordedInvestmentNumberOfLoans_df050436-e3f6-8093-f3eb-0ad0d55e918b" xlink:to="loc_anat_ChangeInRecordedInvestmentNumberOfLoansIndividuallyEvaluatedForImpairment_e211a4ee-4aab-ae37-b558-0ad0d4bafcfd" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="loc_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_670a3d52-210d-6027-0dba-51f1ad4f564d" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="loc_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_24223fe2-be24-eaf2-3dd6-5556dbeb1405" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_670a3d52-210d-6027-0dba-51f1ad4f564d" xlink:to="loc_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_24223fe2-be24-eaf2-3dd6-5556dbeb1405" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="loc_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_c00c2fd4-3786-d090-a83a-648d5b7163d1" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_670a3d52-210d-6027-0dba-51f1ad4f564d" xlink:to="loc_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_c00c2fd4-3786-d090-a83a-648d5b7163d1" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/MortgageLoansDistributionBasedOnCarryingAmountOfMortgageLoansByLocationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/MortgageLoansMortgageLoansScheduleOfTroubledDebtRestructuringMortgageLoanInformationDetails" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/MortgageLoansTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/NatureOfOperations" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/NatureOfOperationsAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLosses" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfNetInvestmentIncomeDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfOtherThanTemporaryImpairmentLossesDetails" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLossesSummaryOfRealizedInvestmentGainsLossesDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/NetInvestmentIncomeAndRealizedInvestmentGainsLossesTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RealEstateAndOtherInvestments" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RealEstateAndOtherInvestmentsAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RealEstateAndOtherInvestmentsAssetsAndLiabilitiesRelatedToViesDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_VariableInterestEntityConsolidatedCarryingAmountLiabilities" xlink:label="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountLiabilities_91d2ae1b-4302-fa20-e8c0-01a847b41053" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NotesPayable" xlink:label="loc_us-gaap_NotesPayable_200b26a8-e140-b376-f8e7-702a4ee22375" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountLiabilities_91d2ae1b-4302-fa20-e8c0-01a847b41053" xlink:to="loc_us-gaap_NotesPayable_200b26a8-e140-b376-f8e7-702a4ee22375" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="loc_us-gaap_OtherLiabilities_ff0e0b1b-b140-8889-cbc7-6f0d76651556" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountLiabilities_91d2ae1b-4302-fa20-e8c0-01a847b41053" xlink:to="loc_us-gaap_OtherLiabilities_ff0e0b1b-b140-8889-cbc7-6f0d76651556" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets" xlink:label="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets_a6bdeb6e-fd3f-8322-2115-513d0dfb4e6a" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RealEstateInvestmentPropertyNet" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyNet_724e927b-4c3a-bf32-5149-19a1c2957ea2" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets_a6bdeb6e-fd3f-8322-2115-513d0dfb4e6a" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyNet_724e927b-4c3a-bf32-5149-19a1c2957ea2" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShortTermInvestments" xlink:label="loc_us-gaap_ShortTermInvestments_19ee0686-4389-5dfa-deaf-cddb58597060" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets_a6bdeb6e-fd3f-8322-2115-513d0dfb4e6a" xlink:to="loc_us-gaap_ShortTermInvestments_19ee0686-4389-5dfa-deaf-cddb58597060" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_1de780cc-9607-daa3-0bed-03c88ae94769" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets_a6bdeb6e-fd3f-8322-2115-513d0dfb4e6a" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_1de780cc-9607-daa3-0bed-03c88ae94769" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherReceivables" xlink:label="loc_us-gaap_OtherReceivables_2b6786f7-f0ac-ae2d-8636-dfa89d5d2aa6" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets_a6bdeb6e-fd3f-8322-2115-513d0dfb4e6a" xlink:to="loc_us-gaap_OtherReceivables_2b6786f7-f0ac-ae2d-8636-dfa89d5d2aa6" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_53a34e15-d375-c4e0-c5cf-68e055eee5e5" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets_a6bdeb6e-fd3f-8322-2115-513d0dfb4e6a" xlink:to="loc_us-gaap_OtherAssets_53a34e15-d375-c4e0-c5cf-68e055eee5e5" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/RealEstateAndOtherInvestmentsCarryingAmountAndMaximumExposureToLossRelatedToViesDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RealEstateAndOtherInvestmentsInvestmentRealEstateByPropertyTypeAndGeographicDistributionDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RealEstateAndOtherInvestmentsScheduleOfLongTermNotesPayableOfConsolidatedViesDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RealEstateAndOtherInvestmentsTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RecentlyIssuedAccountingPronouncements" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RecentlyIssuedAccountingPronouncementsAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RelatedPartyTransactions" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RelatedPartyTransactionsAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RelatedPartyTransactionsRelatedPartyTransactionsDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/RelatedPartyTransactionsTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/SegmentInformation" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/SegmentInformationAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/SegmentInformationSummaryOfResultsOfOperationsMeasuredAsIncomeBeforeFederalIncomeTaxesAndOtherItemsByOperatingSegmentsDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_BenefitsLossesAndExpenses" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:type="locator"/>
<link:loc xlink:href="anat-20190630.xsd#anat_PolicyholderBenefits" xlink:label="loc_anat_PolicyholderBenefits_be31b3bc-51e3-b912-627d-0ad0d49ce070" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_anat_PolicyholderBenefits_be31b3bc-51e3-b912-627d-0ad0d49ce070" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_ClaimsIncurred" xlink:label="loc_anat_ClaimsIncurred_d820c610-d5fa-82ca-7065-0ad0d47ef68a" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_anat_ClaimsIncurred_d820c610-d5fa-82ca-7065-0ad0d47ef68a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestCreditedToPolicyholdersAccountBalances" xlink:label="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_1c9a7d64-31ba-3aa7-8ac6-3e983ded771d" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_1c9a7d64-31ba-3aa7-8ac6-3e983ded771d" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InsuranceCommissions" xlink:label="loc_us-gaap_InsuranceCommissions_745ad1e0-c087-0fb8-e4b8-2d37e236a3a7" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_InsuranceCommissions_745ad1e0-c087-0fb8-e4b8-2d37e236a3a7" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_fdd3a041-a733-299c-016d-efa8e43f811b" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_OtherCostAndExpenseOperating_fdd3a041-a733-299c-016d-efa8e43f811b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_360094d4-9387-1e15-c2a3-cc1b6baa796a" xlink:type="locator"/>
<link:calculationArc order="6" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_cec74385-9235-9cd5-178d-c2c7a4ce2554" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_360094d4-9387-1e15-c2a3-cc1b6baa796a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="loc_us-gaap_PremiumsEarnedNet_88dba276-a88f-9f62-bf2f-2675783c9e0a" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_PremiumsEarnedNet_88dba276-a88f-9f62-bf2f-2675783c9e0a" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InsuranceCommissionsAndFees" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_b64edb10-dd6a-d0da-ceb4-624a86d0cb27" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_b64edb10-dd6a-d0da-ceb4-624a86d0cb27" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="loc_us-gaap_NetInvestmentIncome_a9a877fc-5ca4-60d6-236e-1fd7da5874f2" xlink:type="locator"/>
<link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_NetInvestmentIncome_a9a877fc-5ca4-60d6-236e-1fd7da5874f2" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_GainLossOnInvestments" xlink:label="loc_us-gaap_GainLossOnInvestments_f36be4b0-50ba-fdde-d8c3-1df343692d30" xlink:type="locator"/>
<link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_GainLossOnInvestments_f36be4b0-50ba-fdde-d8c3-1df343692d30" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EquitySecuritiesFvNiGainLoss" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:type="locator"/>
<link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f3206833-d43a-1764-365c-1606167229ee" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherIncome" xlink:label="loc_us-gaap_OtherIncome_b36cbb9c-3cb7-e834-cb02-aac35e8dbc1b" xlink:type="locator"/>
<link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_425ada39-f194-a279-47ac-dd09cf899fb1" xlink:to="loc_us-gaap_OtherIncome_b36cbb9c-3cb7-e834-cb02-aac35e8dbc1b" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_d71649eb-5769-933d-7982-2a2ada9ea257" xlink:type="locator"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/SegmentInformationTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterests" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsCommonStockAmountsOutstandingDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="loc_us-gaap_CommonStockSharesIssued_54889e6a-c40c-5be5-359d-a438ae0406a7" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="loc_us-gaap_TreasuryStockShares_e8d1c009-45d6-7c7a-248f-7717768d57de" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CommonStockSharesIssued_54889e6a-c40c-5be5-359d-a438ae0406a7" xlink:to="loc_us-gaap_TreasuryStockShares_e8d1c009-45d6-7c7a-248f-7717768d57de" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_0a254da3-9251-4f68-ac8e-61547d2f98df" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CommonStockSharesIssued_54889e6a-c40c-5be5-359d-a438ae0406a7" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_0a254da3-9251-4f68-ac8e-61547d2f98df" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_RestrictedShares" xlink:label="loc_anat_RestrictedShares_7ac4b6c6-0524-6f9c-1799-0ad0d49b3b53" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CommonStockSharesOutstanding_0a254da3-9251-4f68-ac8e-61547d2f98df" xlink:to="loc_anat_RestrictedShares_7ac4b6c6-0524-6f9c-1799-0ad0d49b3b53" xlink:type="arc"/>
<link:loc xlink:href="anat-20190630.xsd#anat_UnrestrictedOutstandingShares" xlink:label="loc_anat_UnrestrictedOutstandingShares_4caa1f74-f337-3271-8ea1-0ad0d581c533" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CommonStockSharesOutstanding_0a254da3-9251-4f68-ac8e-61547d2f98df" xlink:to="loc_anat_UnrestrictedOutstandingShares_4caa1f74-f337-3271-8ea1-0ad0d581c533" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsStatutoryCapitalAndSurplusAndNetIncomeOfInsuranceEntitiesInAccordanceWithStatutoryAccountingPracticesDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsStockBasedCompensationInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsSummaryOfBasicAndDilutedEarningsPerShareDetail" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_8c9389ea-1fbb-7e45-ce1f-5a1d89572c0d" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_fbdbb03d-8583-701f-d6e2-69f8229c6051" xlink:type="locator"/>
<link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_8c9389ea-1fbb-7e45-ce1f-5a1d89572c0d" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_fbdbb03d-8583-701f-d6e2-69f8229c6051" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_90854703-859b-2c45-aef2-d270627b3141" xlink:type="locator"/>
<link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_8c9389ea-1fbb-7e45-ce1f-5a1d89572c0d" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_90854703-859b-2c45-aef2-d270627b3141" xlink:type="arc"/>
</link:calculationLink>
<link:calculationLink xlink:role="http://www.anico.com/role/StockholdersEquityAndNoncontrollingInterestsTables" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/SubsequentEvents" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/SubsequentEventsAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/SummaryOfSignificantAccountingPoliciesAndPractices" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/SummaryOfSignificantAccountingPoliciesAndPracticesAdditionalInformationDetail" xlink:type="extended"/>
<link:calculationLink xlink:role="http://www.anico.com/role/SummaryOfSignificantAccountingPoliciesAndPracticesPolicies" xlink:type="extended"/>
</link:linkbase>


3 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/18/22  American National Group Inc.      10-K/A     12/31/21   13:2.1M
 2/25/22  American National Group Inc.      10-K       12/31/21  156:35M
 3/04/21  American National Group Inc.      10-K       12/31/20  155:35M
Top
Filing Submission 0000904163-19-000010   –   Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

Copyright © 2024 Fran Finnegan & Company LLC – All Rights Reserved.
AboutPrivacyRedactionsHelp — Sat., Apr. 27, 1:36:19.2am ET