American Amicable Life Insurance Company of Texas is an A (Excellent) A.M. Best rated company that has been around for over 108 years . 

Like most life insurance companies nowadays, American Amicable life insurance quotes offer a niche or 2. 

They are currently fairly aggressive for people who are overweight and are looking for no medical exam term insurance.    

american amicable life insurance quotes

They offer up to $500,000 of term life for 10,  15, 20, 25 or 30 years.   

They also offer whole life and universal life Insurance and they are most competitive in the final expense market!

Why American Amicable Life Insurance

American Amicable Insurance has decent no exam life insurance products. 

It allows for a speedy application process and an easy approval process.

If you qualify for a Standard Plus or Standard rate on a policy that requires an insurance exam and blood test, then you may qualify for a “Preferred’ rate with American Amicable. 

This could make the cost of American Amicable term products closer in cost to the fully underwritten product. 

So:

If you’ve been quoted a Standard or Regular rate on any “exam required” product because of your height/weight, then you may have less hassle with an American Amicable no exam policy.   

We go over this policy in more detail below:

The "Term Made Simple" Policy 

Along with offering up to $400,000 in life insurance coverage, this product has several benefits: 

  • Face Amounts From $50,000 - $500,000 
  • Renewable to age 95
  • Term lengths of: 10, 15, 20, 25 and 30 year level
  • Preferred, Standard and Standard Tobacco Rates
  • Less Strict Build Chart Requirements 

Term Made Simple Policy Riders

Along with stellar benefits and policy options, the term made simple product offers a slew of insurance rider options you can add like: 

  • Waiver of Premium – premiums Waived if your become totally and permanently disabled.
  • Chronic Illness – receive a portion of the death benefit if you are unable to perform 2 of 6 activities of daily living.
  • Total Disability Benefit – provides income protection during Time of disability.
  • Terminal Illness – you can receive up to 100% of the face amount if diagnosed terminally ill with 24 months left to live.
  • Accelerated Benefit – if confined to a nursing home for a period of time you can Receive up to $5,000 per month.
  • Child Term Rider - Term Life Insurance Rider For Your Kids

American Amicable Underwriting Chart

Below are various heights and weights that can still qualify for Standard of Regular rates with American Amicable, but for which most other companies will “rate” or charge an extra premium. 

  • 5’ 2”  up to 227 pounds can qualify for Standard  
  • 5’ 4”  up to 242 pounds can qualify for Standard     
  • 5’ 6”  up to 257 pounds can qualify for Standard     
  • 5’ 8”  up to 273 pounds can qualify for Standard      
  • 5’ 10” up to 289 pounds can qualify for Standard      
  • 6’ 0”  up to 306 pounds can qualify for Standard   
  • 6’ 2”  up to 323 pounds can qualify for Standard   
  • 6’ 4” up to 341 pounds can qualify for Standard    
  • 6’ 6” up to 359 pounds can qualify for Standard      

American Amicable Term Life Insurance Quotes

Below we break down a few sample life insurance rate quotes.

Using our database of term life rates from over 100 quality Excellent or Superior AM Best rated carriers, below are absolute lowest rates available, best value rates with chronic, critical and terminal illness living benefits and American Amicable life insurance quotes.

These are all Preferred rate quotes for $250,000of 20 year term: 

SAMPLE RATES FOR WOMEN


Age



Lowest Rates



Best Value



American Amicable



30 Years Old



$12



$14



$41


35 Years Old



$14



$16



$44



40 Years Old



$18



$20



$55



45 Years Old



$24



$28



$71



50 Years Old



$34



$39



$97



55 Years Old



$51



$57



$130



60 Years Old



$83



$93



$189



65 Years Old



$163



$185



$301


Rates are rounded to nearest $ based on female rated preferred for $250k- 20 year term policy.

SAMPLE RATES FOR MEN


Age



Lowest Rates



Best Value



American Amicable



30 Years Old



$15



$17



$46



35 Years Old



$16



$18



$52



40 Years Old



$21



$23



$65



45 Years Old



$30



$34



$95



50 Years Old



$45



$51



$141



55 Years Old



$70



$79



$199



60 Years Old



$116



$130



$312



65 Years Old



$226



$258



$510


Rates are rounded to nearest $ based on male rated preferred for $250k- 20 year term policy.

Based on the comparison above, American Amicable life insurance quotes are very over-priced compared to the competition.

American Amicable also offers Return of Premium (ROP) rates on 20 and 30 year term.  

If you like the idea of getting the premiums you paid into policy refunded to you at the end of the term, than ROP term may be a good option for you.   

We like easy issue life insurance.  Most carriers nowadays will approve people in average or better health without requiring a free insurance exam, including the lowest rates and best value rates above.   

American Amicable Final Expense Quotes

Below are final expense life insurance quotes.

Using our database of rates from 100's of quality carriers, below are absolute lowest final expense rates available, Mutual of Omaha's rates (as most popular final expense carrier) and American Amicable life insurance quotes.

These are all Standard rates for $20,000 of Whole Life insurance: 

Sample Rates for Women


Age



Lowest Rates



Mutual of Omaha



American Amicable



30 Years Old



$19



n/a



$28


35 Years Old



$22



n/a



$33



40 Years Old



$25



n/a



$39



45 Years Old



$30



$42



$44



50 Years Old



$37



$45



$49



55 Years Old



$44



$52



$63



60 Years Old



$54



$63



$72



65 Years Old



$67



$79



$89


Rates are rounded to nearest $ based on female rated standard for $20k- Whole Life

Sample Rates for Men


Age



Lowest Rates



Best Value



American Amicable



30 Years Old



$21



n/a



$33



35 Years Old



$24



n/a



$39



40 Years Old



$28



n/a



$46



45 Years Old



$33



$51



$52



50 Years Old



$40



$58



$59



55 Years Old



$49



$69



$75



60 Years Old



$61



$84



$89



65 Years Old



$76



$110



$114


Rates are rounded to nearest $ based on male rated standard for $20k- Whole Life

As you can see from above, American Amicable final expense rates are higher than the competition.

American Amicable is a quality insurance company that makes it relatively easy to qualify for their term or permanent life insurance products.

They will rarely be the lowest cost or best value and it makes sense for you to compare American Amicable to other carriers rates! Or let us do it for you, by clicking quote button below.

Bottom Line on American Amicable

They are a good company that's been around for a long time.

They will not be the lowest cost or best value, but can be easier to qualify for than other carriers products. 

If you don't mind paying more for convenience, American Amicable may best carrier for you.   

You can Click here to email us or call or text us 800-380-3533 if you have questions or need more information.  

Click the button above to get an accurate American Amicable quote and we will email you with their best rate compared to the absolute lowest rate and the best value rate  available to you from other quality carriers.

If American Amicable isn't the most affordable for you, at least you'll know how much you'll be able to save with other insurance companies.

Scroll to Top