Outdated systems and processes that inconvenience employees as well as insureds. American National is withdrawing from the home insurance side of the industry as well as any new business in several states. Their focus on only commercial lines of insurance leads to a feeling of uncertainty for the future of the company. In addition to this, they required all employees return to office and no longer offered work from home opportunities. At home work within this company is easily something they are capable of offering with the proof being that all employees were remote during the COVID-19 pandemic.