[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.easyquotes4you.com\/american-amicable-life-insurance-review\/#BlogPosting","mainEntityOfPage":"https:\/\/www.easyquotes4you.com\/american-amicable-life-insurance-review\/","headline":"The Best 2025 American Amicable Life Review + Rates","name":"The Best 2025 American Amicable Life Review + Rates","description":"Quick Navigation Links Show 1 American Amicable Life Insurance Company 2 History of American Amicable Life Insurance Company 3 American Amicable Life Insurance Ratings 4 Term Life Insurance from American Amicable 5 Term Made Simple by American Amicable 6 Easy Term by American Amicable 7 Other Term Products Offered By American Amicable 8 Universal Life.. 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American Amicable Life Insurance CompanyIf you found this article, their is good chance that you are shopping around for some Life Insurance. At EasyQuotes4You we try to ease that process for you by writing unbiased reviews of the life insurance carriers across America. Purchasing a life insurance policy is one the most beneficial arrangements a person can make sure his loved ones are cared for. In the event of an unexpected death, a life insurance policy will help your family through a difficult time.With all the different types of policies today and premiums being at an all time low, its important to carefully examine each and every option. However, choosing the right life insurance policy can be confusing and frustrating at times.Today we will review American Amicable Life Insurance Company, and provide some sample rates for you to compare.History of American Amicable Life Insurance CompanyAmerican Amicable was founded in 1910 in Waco, TX, but was bought by Industrial Alliance for $145 million back in 2010. In 2016, Industrial Alliance had total assets near $110 billion. American Amicable Life Insurance headquarters are still in Waco, TX and an intricate part to the downtown community.Amicable Life Insurance now has multiple subsidiaries that sell life insurance products across the United States. They are:American Amicable Life Insurance Company of TexasOccidental Life Insurance Company of North CarolinaIA American Life Insurance CompanyPioneer Security Life Insurance CompanyPioneer American Insurance CompanyAmerican Amicable Life Insurance RatingsAmerican Amicable is strong financial life insurance company and has been for over 100 years. They boast \u201cA\u201d rating with A.M. Best which is 3rd best out of 15 categories. This is strong indicator that American Amicable will be able to fulfill its claim responsibilities to their policy holders.The Better Business Bureau or BBB has accredited American Amicable Life Insurance with an \u201cA+\u201d rating since 2011. The BBB only awards these ratings to the best life insurance carriers. Term Life Insurance from American AmicableAmerican Amicable Life Insurance Company offers a variety of life insurance products. They have two flagship no exam term life insurance policies. They are:Term Made SimpleEasy TermTerm Made Simple by American AmicableTerm Made Simple is a simplified issue level term life insurance product. No exam is required and premiums are locked in for the term period chosen.Health questions are asked and the applicants motor vehicle record, prescription list, and background will also be checked. In other words this policy is not guaranteed issue.You can purchase up to $400,000 of death protection for 10, 15, 20, and even 30 years. The premiums are level for the term chosen and then become annual renewable to age 95.Sample Rates for $250K-20 Year TermThe term made simple also comes with a convertibility option that allows you to convert a portion or all the death benefit into a permanent life insurance policy without taking an exam.Term Mad Simple also comes with three unique riders at no additional cost. Terminal Illness Accelerated Benefit Rider: If you have less than 12 months to live you can receive up to 100% of the death protection.Accelerated Benefits Rider \u2013 Confined Care: If you are confined to a nursing home for at least 30 days after the policy is issued, you can receive a monthly benefit of 2.5% of the death benefit with a maximum withdrawal of $5,000 per monthAccelerated Benefits \u2013 Chronic Illness: You can accelerate up to 25% of the death benefit if you physician certifies that you are unable to perform at least 2 of 6 Activities of Daily Living.You can customize your Term Made Simple by adding these riders for an additional cost:Accidental Death Benefit: Pays an extra benefit if you die from an accident.Children\u2019s Insurance: You can add up to $15K of life insurance on your children up to age 25. You can also convert this rider to permanent life insurance policy up to 5 times the initial rider amount.Critical Illness Rider: This rider allows you to withdraw a portion of the death benefit if you suffer a critical illness, such as stoke, heart attack, invasive cancer, and many more.Disability Income Rider: You can add disability protection up $1,500 per month for two years.Waiver of Premium Rider: American Amicable will waive the premiums if you become totally and permanently disabled.Waiver of Premium for Unemployment Rider: If you become unemployed American Amicable will waive premiums for up to six months for a period of four consecutive weeks.Easy Term by American AmicableEasy Term is level term life insurance policy. Rates are guaranteed to remain level for the period selected. Easy Term allows you to customize your policy with the following riders:Disability Income RiderCritical Illness RiderReturn of Premium Rider (Only Available in 20 & 30 Year Term)Sample Rates for $100K \u2013 35 year old Male \u2013 30 YearsOther Term Products Offered By American AmicableHome Protector (Mortgage Protection Insurance)Survivor Protector (Decreasing Term Life Insurance)Security ProtectorOBA (Group Level Term)OLICVal-U-Plus (Term Life with an Annuity Rider)Universal Life Insurance by American AmicableUniversal life insurance is a permanent life insurance policy with a flexible premium, flexible death benefit, and cash value accumulation. American Amicable Life Insurance Company offers three types of universal life insurance policies.Easy ULUltimate Life PerformerSecureLife PlusEasy ULThe Easy UL is simplified issue universal life policy with death benefits up to $300,000. Issue ages are 0-75 with a no lapse guaranteed premium for the first 15 years of the policy as long as amount required is paid. The guaranteed interest rate is 2%.Riders included at no extra cost are:Terminal Illness Accelerated BenefitAccelerated Benefits \u2013 Confined CareRiders that can be added for an addition cost:Family Insurance AgreementChildren\u2019s Insurance RiderDisability Income RiderAccidental Death BenefitWaiver of PremiumUltimate Life PerformerThe Ultimate Life Performer is a universal life policy just like the Easy UL but with a few different features. These policies come with a 5 year no lapse guarantee.Riders attached at no extra charge are:Terminal Illness Accelerated BenefitAccelerated Benefits \u2013 Confined CareBeneficiary Guaranteed Insurability RiderThe Beneficiary Guaranteed Insurability Rider allows you leave a legacy to multiple generations. If the policy has been in force for 5 years and you die, your beneficiary has the following options:The beneficiary can receive all the proceeds in cash income tax free.Or use the proceeds to purchase a permanent life insurance policy to pass on to his beneficiariesOr you can do a combination of both. Riders offered at an additional cost:Family Insurance AgreementChildren\u2019s Insurance RiderDisability Income RiderAccidental Death BenefitWaiver of PremiumLevel Term Insurance RiderOption to Purchase Additional Amounts of InsuranceFinal Expense Life Insurance by American AmicableFinal Expense Insurance or sometimes called Burial Insurance is used to pay for funeral expenses and any small bills left by your passing. The Final Expense Insurance offered by American Amicable include these riders for free:Terminal Illness Accelerated BenefitAccelerated Benefits \u2013 Confined CareAmerican Amicable\u2019s final expense products are not guaranteed issue like you may see on T.V. ads or by direct mail. American Amicable final expense polices come with day 1 coverage. The final expense plans offered are:Golden SolutionSenior ChoiceLegacy Builder (Single Premium)Check out American Amicable final expense rates compared to guaranteed issue life insurance (which has limited benefit first 2 years).$20,000 Whole Life RatesOur Thoughts on American AmicableWhen shopping for life insurance especially if you are not looking to take an exam then American Amicable would be a great option. They have a strong financial outlook and have been selling life insurance for many years.But before making any decisions it\u2019s smart to look at all the companies and speak with an agent to help find the best policy for you. If you would like a quote or have a question please give us a call.\t\t\t\t\t\tHow long has American Amicable been in business?\t\t\t\t\t\t\t\t\t\t\t\t\t\tAmerican Amicable was founded in 1910 in Waco, TX, but was bought by Industrial Alliance for $145 million back in 2010.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tIs American Amicable a good life insurance company?\t\t\t\t\t\t\t\t\t\t\t\t\t\tAmerican Amicable is strong financial life insurance company and has been for over 100 years. They boast \u201cA\u201d rating with A.M. Best which is 3rd best out of 15 categories. This is strong indicator that American Amicable will be able to fulfill its claim responsibilities to their policy holders. The Better Business Bureau or BBB has accredited American Amicable Life Insurance with an \u201cA+\u201d rating since 2011. The BBB only awards these ratings to the best life insurance carriers. \t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDoes American Amicable offer no exam life insurance?\t\t\t\t\t\t\t\t\t\t\t\t\t\tYes, American Amicable does offer no exam life insurance up to $350K on there term life and universal life products.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhat type of products does American Amicable sell?\t\t\t\t\t\t\t\t\t\t\t\t\t\tAmerican Amicable offers term life, universal life, and final expense life insurance. All are simplified issue and require no exams.\t\t\t\t\t\t\t\t\t\t{\t\t\"@context\": \"https:\/\/schema.org\",\t\t\"@type\": \"FAQPage\",\t\t\"mainEntity\": [\t\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"How long has American Amicable been in business?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"American Amicable was founded in 1910 in Waco, TX, but was bought by Industrial Alliance for $145 million back in 2010.\"\t\t\t\t\t\t\t\t\t}\t\t\t}\t\t\t,\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"Is American Amicable a good life insurance company?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"American Amicable is strong financial life insurance company and has been for over 100 years. They boast \\\"A\\\" rating with A.M. Best which is 3rd best out of 15 categories. This is strong indicator that American Amicable will be able to fulfill its claim responsibilities to their policy holders. The Better Business Bureau or BBB has accredited American Amicable Life Insurance with an \\\"A+\\\" rating since 2011. The BBB only awards these ratings to the best life insurance carriers. \"\t\t\t\t\t\t\t\t\t}\t\t\t}\t\t\t,\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"Does American Amicable offer no exam life insurance?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Yes, American Amicable does offer no exam life insurance up to $350K on there term life and universal life products.\"\t\t\t\t\t\t\t\t\t}\t\t\t}\t\t\t,\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"What type of products does American Amicable sell?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"American Amicable offers term life, universal life, and final expense life insurance. 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