Ron Attias is a licensed insurance broker. He has no particular loyalty to any one insurance company, so he is able to shop all major insurance carriers. This means that you always get the BEST plan at the LOWEST price. Each plan can be customized to fit your specific healthcare needs and budget.

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Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Aug 28, 2020

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.


If you landed on this page, you are probably looking for a review of American-Amicable Life Insurance because you are considering buying a policy with them. We understand that choosing your life insurance policy can be a daunting thing to do. You may have questions like “how do I know if this product is for me?” “How much does it cost?” “ Is this something I really need?”

This American-Amicable Life Insurance review will tell you everything you need to know about American-Amicable express term life insurance and other policies and give you the opportunity to find the best cheap term life insurance quotes from the right company for you. You may be wondering how affordable is American-Amicable Life Insurance? Read below and find out.

Why wait to save money on life insurance? Before diving into our American Amicable Life Insurance review, click on our FREE quote tool above to compare rates from the top life insurance companies now.

American-Amicable Life Insurance Rates vs. Other Carriers (Sample Monthly Rates)

How much are policies on average for American-Amicable Life Insurance? Well take a look at the rates chart listed below to get a better idea of how American- Amicable compares to the rest.

Male Whole Life $30,000

Company Age 50 Age 60 Age 70 Age 80
 Assurity  $82.06  $120.55  $214.75  $462.30
 Mutual of Omaha  $81.06  $121.86  $214.69  $391.56
 Americo  $88.59  $123.44  $211.19  $429.36
 Liberty Bankers Life  $82.27  $128.14  $210.67  $431.14
 Phoenix $82.17  $121.53  $209.94  $432.47
 American-Amicable  $87.12  $132.00  $224.43  $448.80
 United Home Life  $84.35  $125.38  $215.19  $407.10
 Settlers  $94.35  $135.92 $218.54  $461.81
 Transamerica  $85.04  $124.29  $216.83  NA
 Foresters  $89.70  $129.26  $212.42  $433.91
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Female Whole Life $30,000

Company Age 50 Age 60 Age 70 Age 80
 Assurity  $72.05  $99.83  $164.82  $337.27
 Mutual of Omaha  $67.60  $92.20  $153.31  $288.89
 Americo  $66.07  $94.20  $152.68  $330.72
 Liberty Bankers Life  $67.45  $94.76  $155.11  $318.23
 Phoenix $71.61  $101.10  $157.49  $322.43
 American-Amicable  $72.60  $106.39  $170.81  $326.04
 United Home Life  $69.47  $97.55  $148.71  $305.13
 Settlers  $78.03  $109.14  $167.28  $340.43
 Transamerica  $68.82  $94.02  $154.84 NA
 Foresters  $71.85  $99.93  $153.96  $326.94
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Male 20-year Term $250,000

Company Age 30 Age 40 Age 50 Age 60
 Protective  $13.12  $17.85  $41.50  $111.59
 Banner  $13.33  $19.26  $40.85  $111.13
 AIG  $13.54  $19.38  $42.73  $114.74
 Foresters  $13.56  $18.81  $42.66  $114.84
 Lincoln $13.56  $18.38  $42.66  $190.53
 Mutual of Omaha  $14.18  $20.08  $46.55  $134.05
 Principal  $14.66  $19.03  $42.61  $110.03
 SBLI  $14.79  $21.67  $51.68  $147.70
 Transamerica  $16.13  $26.45  $58.05  $135.88
 American-Amicable  $26.10  $40.28  $87.75  $190.35
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Female 20-year Term $250,000

Company Age 30 Age 40 Age 50 Age 60
 Protective  $11.83  $15.27  $31.18  $77.61
 Banner  $11.74  $15.67  $31.17  $78.83
 AIG  $11.81  $18.51  $35.59  $89.66
 Foresters  $12.47  $16.63  $31.94  $85.97
 Lincoln $12.08  $16.14  $32.77  $160.13
 Mutual of Omaha  $12.64  $19.21  $36.05  $94.02
 Principal  $13.13  $16.63  $32.90  $77.92
 SBLI  $13.31  $18.99  $36.46  $90.37
 Transamerica  $13.98  $21.72  $40.64  $110.51
 American-Amicable  $19.35  $31.05  $58.50  $136.35
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American-Amicable Life Insurance Polices

What coverage does American Amicable Life Insurance offer? American-Amicable offers several different types of coverage such as term, whole, and universal life insurance products. Each has its own stipulations and guidelines.

Term life insurance is also known as “pure insurance” because it only provides the protection component, without the savings that whole life insurance has. This makes term life insurance a desirable option for young families who are looking to get the most benefit at the lowest possible price.

Term Made Simple by American-Amicable offers a simplified issue, level benefit term insurance, which means there is no exam as part of the underwriting process, and your premiums are guaranteed to remain level (stay the same) for the entire term contract.

They also have a very liberal height and weight chart for easier approval. It comes with an additional accelerated living benefits rider at no additional cost, which allows the insured to use the policy’s death benefit while he/she is still alive if diagnosed with a terminal or critical illness.

Term Life Insurance Highlights

  • 10-, 20-, and 30-year term periods
  • Death benefit: $50,000–$400,000
  • A guaranteed level premium for the selected term period
  • Annually renewable term to age 95 after the initial term is over
  • Issue ages 18–75 for a 10-year term
  • Issue ages 18–70 for a 15-year term
  • Issue ages 18–65 for a 20-year term
  • Issue ages 18–55 for a 30-year term
  • Simplified issue underwriting with no-exam needed
  • Fully convertible before age 75 to whole life, without evidence of insurability
  • Accelerated living benefit rider included at no extra charge

 Life Insurance Optional Riders

  • Total disability
  • Waiver of premium for unemployment
  • Waiver of premium for disability
  • Children’s insurance
  • Accidental death benefit

*riders aren’t available in all states. You can learn more about life insurance riders here.

Whole Life Insurance

American-Amicable’s Whole life insurance is referred to as Golden Solutions Whole Life Insurance.

Golden Solution is a final expense whole life insurance policy. Final expense insurance is used to cover the charges of affairs specifically related to your death. Anything from medical bills, burial, and funeral services are the main reason to buy this type of life insurance.

American-Amicable’s final expense comes in three flavors: immediate, graded, and return of premium death benefit:

  • Immediate death benefit – there is no waiting period before 100% of the death benefit shall be paid.
  • Graded benefit – the policy pays 30% of the death benefit if you die within the first year, 70% in the second year, and 100% paid the third and subsequent years.
  • Return of premium – if you die within three years, the policy pays your paid premium plus 10% interest, instead of the full death benefit.

Your eligibility for each of the above plans will depend on your overall health, along with a Medical Information Bureau (MIB) and pharmaceutical database check, your height and weight, and a phone interview.

Here are some highlights to the Golden Solution Whole Life Policy.

  • Issue ages: 50–85
  • Maximum immediate death benefit ages 50 to 75: $35,000, ages 76 to 85: $20,000
  • Maximum graded death benefit ages 50 to 85: $20,000
  • Maximum return of premium benefit ages 50 to 85: $20,000
  • Minimum death benefit: $2,500
  • Simplified whole life with no-exam
  • Terminal illness accelerated rider is included in all plans
  • Accelerated benefit confined care rider is only included in the immediate death benefit plan

 Whole Life Insurance Optional Riders

  • Grandchild insurance (on all plans)
  • Nursing home waiver of premium (immediate death benefit only)
  • Children’s insurance agreement (not available on return of premium plan)
  • Accidental death benefit (not available on return of premium plan)

Universal Life Insurance

Universal life insurance is another type of whole life that offers cash accumulation and guaranteed death benefit, just like a traditional whole life policy. Additionally, it gives the insured more flexibility when it comes to premiums and death benefits. As life evolves, so does the policy; the insured can change the death benefit, skip a payment, or adjust the payments (provided the policy value accumulation is there).

If having your cake and eating it too sounds good to you, UL is the way to go. Easy UL guarantees a minimum interest rate of 2.0% and your death benefit will be guaranteed for at least 15 years if you pay the no-lapse premium (the minimum premium to keep the policy in force).

  • Issue ages: 0–75
  • Death benefits: $25,000–$300,000
  • Guaranteed 2.0% interest rate
  • No-lapse guarantee for 15 years
  • Simplified issue underwriting
  • Terminal illness rider included at no extra charge
  • Accelerated benefit confined care rider at no extra charge

Universal Life Insurance Optional Riders

  • Disability income
  • Family insurance agreement
  • Children’s insurance agreement
  • Accidental death benefit
  • Waiver of premium disability

How to Cancel an American-Amicable Life Insurance Policy

Canceling your life insurance policy with American-Amicable Life Insurance is easy. To cancel your American-Amicable life insurance policy, we recommend you have your policy details available to you. You can get a jump start on the process by completing your policy cancellation request form.

How can I contact American-Amicable Life Insurance? American-Amicable Life Insurance contact information is right here. You can call them directly at its toll-free number 1-800-736-7311, Monday-Friday, 8 a.m- 5 p.m. You can also email them at [email protected] The American-Amicable claims phone number is the same line.

If you’re local, you may want to simply call the American Life Insurance Company phone number from their website or visit the American life insurance company address to find out more information.

American-Amicable Life Insurance Ratings

The American Amicable A.M. Best rating is an A (Excellent) rating. This company measures the credit-worthiness and financial stability of insurance companies.

American-Amicable Life Insurance History

American-Amicable Life Insurance of Texas has been around since 1910. American-Amicable has been in business for over 100 years and is considered to be a reliable company. It is a unique, progressive carrier that specializes in life insurance and annuity products that are geared toward the individual market, with the purpose of wealth creation and estate preservation. It has a strong commitment to its policyholders and positive outlooks to the future.

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American-Amicable Life Insurance: The Bottom Line

American-Amicable is mostly geared toward individuals who are looking for a no-exam policy.  Getting a policy through American-Amicable is easy and involves very few steps. To contact American-Amicable Life Insurance you would just call 800-736-7311.

Of course, life insurance final rates are related to one’s overall health, occupation, and prescription use.

Your ultimate task as a consumer is to compare all the available rates and find the best one for you. Now that you know all about American-Amicable Life, find out how much coverage you can get for your insurance dollar – compare rates now.

Frequently Asked Questions: American-Amicable Life Insurance

Life insurance company FAQs and answers can be never-ending. With endless policies, terms, riders, and more, it can sometimes be of service to review insurance company FAQs. While we always recommend learning the basics about life insurance first, below we highlight some key FAQs for American-Amicable.

#1 –Is American-Amicable Life Insurance a reliable company?

According to the BBB and their financial rating, American Amicable is a reliable company.

#2 – Can I buy American-Amicable Life Insurance online?

Yes, you can buy American Amicable Life Insurance online via their website. The site will explain how to get an insurance policy through American Amicable Life Insurance online.

#3 – Does American-Amicable Life Insurance offer car insurance? Does American Amicable Life Insurance offer other kinds of coverage?

There is no evidence that American-Amicable Life Insurance also sells car insurance or other products. It is solely a life insurance company.

#4 – What discounts does American Amicable Life Insurance offer?

Discounts are very unusual in life insurance, and American-Amicable is no different. Rates depend on other factors instead.