American Amicable Insurance Review & Ratings (2023)

Our American Amicable Insurance includes reviews and ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. American Amicable life insurance rates average between $11-$61 per month for a $100,000 policy depending on your age. To compare insurance rates from the best companies in your city, enter your ZIP code below.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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The Rundown

  • American Amicable offers term, whole, universal, and modified life insurance policies.
  • Coverage amounts typically range between $25,000 to $250,000 depending on the policy type.
  • Many American Amicable life insurance policies do not require you to take a medical exam.

American Amicable life insurance has been available since 1910. The company’s long-standing commitment to providing financial security opportunities has put them on some consumers’ radars.

In our American Amicable life insurance review below, we’ll discuss American Amicable’s life insurance products, rates, industry ratings, and more.

If you’re considering buying a life insurance policy from American Amicable, read more below to see if it’s the right choice for you. Enter your ZIP code above to compare life insurance quotes from companies in your area for free.

What is American Amicable?

American Amicable began as the American Life Insurance Company in 1910. It is known for the ALICO building in Waco, Texas, which the company takes great pride in.

American Amicable focuses on offering life insurance and annuities to help grow customers’ wealth and security.

American Amicable Life Insurance Company of Texas is part of the American Amicable Group, which is owned by Industrial Alliance Insurance and Financial Services, Inc.

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What American Amicable life insurance products are available?

American Amicable offers term, whole, universal, and modified life insurance policies for people up to 85 years old.

Term Life Insurance

American Amicable offers two different term life insurance policies. The first is a non-medical policy, meaning you don’t need to take a medical exam to qualify. Coverage ranges from $25,000 to $250,000. The company doesn’t specify term length options, but it is convertible to a permanent policy.

The second term life insurance option from American Amicable is Association Term Life. This is a group plan for government employees, First Responders, state-funded school employees, hospital employees, railroad employees, and their spouses between 18 and 65.

The Association Term Life policy does not require a medical exam. It is available in 10-year terms.

Whole Life Insurance

American Amicable’s whole life insurance policies are typical whole life policies. These policies do not require a medical exam, and they include accelerated benefits, such as terminal illness and confined care.

These policies also have cash value accumulation, fixed premiums, and fixed death benefits. However, the company’s website doesn’t specify coverage amounts or other information.

Universal Life Insurance

American Amicable offers both non-medical and fully underwritten universal life insurance.

The non-medical policy does not require a medical exam and offers coverage from $25,000 to $250,000. Premiums are flexible, and death benefits are adjustable. As long as you pay your premiums, your policy comes with a 15-year no-lapse guarantee.

The fully underwritten policy requires a medical exam, blood work, and a medical questionnaire. Premiums are flexible, and death benefits are adjustable.

The company does not specify a maximum coverage amount. As long as you pay your premiums, your policy comes with a no-lapse guarantee.

Modified Life Insurance

Unfortunately, American Amicable is vague about what this product is. From the short description available, it seems that it may be referring to the fact that you can add a cash value option to your term or whole life insurance.

How much is American Amicable life insurance?

To give you an idea of what you might pay, take a look at the average American Amicable life insurance rates for a 10-year term life insurance policy:

American Amicable 10-Year Term Life Insurance Average Monthly Rates by Coverage Amount and Gender
Policy Holder Age$100,000 Policy (Female)- Average Monthly Rates$100,000 Policy (Male)- Average Monthly Rates$250,000 Policy (Female)- Average Monthly Rates$250,000 Policy (Male)- Average Monthly Rates
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It would help if you kept in mind, though, that your life insurance rates will vary depending on many different factors, such as your age, gender, health, location, policy type, coverage amount, and more.

Are American Amicable ratings positive?

American Amicable has an A+ rating from the BBB. It has only had eight complaints in the past 12 months on the BBB website, and it has a 2.86/5 star rating.

American Amicable has a financial strength rating of A from A.M. Best, which means it has an excellent ability to meet its financial obligations, such as paying claims.

The NAIC gives all registered insurance companies a complaint index, which will refer to how many customer complaints a company gets compared to other companies of a similar size. The national median complaint index is 1.00.

American Amicable has a complaint index of 1.45, meaning it gets more complaints than other companies of a similar size.

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How can I get a quote or file a claim?

To receive American Amicable life insurance quotes, you must contact an agent who sells American Amicable products. You can fill in your contact information on the company’s website to have an agent get in contact with you.

American Amicable makes claims forms available to policyholders on its website. To get help with the claims process, you can call (800) 736-7311 or email [email protected]

You may also contact your insurance agent to get help. They may be able to use their American Amicable agent login to help you with the process.

You should let your beneficiaries know how to make claims since the NAIC reports that most beneficiaries are not equipped with the information they need to file claims.

How can I contact American Amicable Life Insurance Company?

The main American Amicable customer service phone number is (800) 736-7311. The website is You can also email contactu[email protected]

The American Amicable headquarters is located at 425 Austin Avenue, Waco, TX 76701. The company’s mailing address is PO Box 2549, Waco, TX 76702.

Should I buy American Amicable life insurance?

American Amicable life insurance policies may be the right choice for some individuals, especially those with minor health concerns since there is no medical exam required for many of their policies. The company also has less strict age requirements than other companies.

However, some customers have expressed concerns about rates increasing significantly with age and not getting clear information about the company, their products, or application processes online.

In general, American Amicable offers some good basic life insurance policies, but you may want to compare them to other life insurance companies. If you need help finding affordable life insurance, enter your ZIP code into our free quote comparison tool below.

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