American Reserve Life Insurance Company (ARL) owns one hundred percent of Liberty Bankers Life Insurance Company. ARL is wholly-owned by Heritage Guaranty Holdings, Inc. ARL provides reinsurance and financial support to its subsidiary life companies.
ARL was established in 1922 and purchased by the American Reserve Group in 1999. ARL is domiciled in the state of Oklahoma and headquartered in Dallas, Texas.
ARL provides financial support to its life insurance subsidiaries through capital contributions and reinsurance. ARL through its subsidiaries also acts as a re-insurer of life and annuity insurance business.
ARL is dedicated to the growth of its life insurance subsidiaries. Since 2004, ARL has identified over $300 million worth of life and annuity business, which was purchased by its subsidiaries. In addition, the Companies have developed direct distribution capability for life and annuity products in 37 states.
ARL is rated "B" by A.M. Best Company, the most recognized rating agency for the insurance industry.