American Amicable Life Insurance Quotes // In 2019 (Plus Savings Tips)

American Amicable Life Insurance Company of Texas is an A (Excellent) A.M. Best rated company that has been around for over 100 years . 

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

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

american amicable

They offer up to $400,000 for 15, 20, 25 or 30 years.   

Insurance amounts under $100,000 for the slightly overweight is where they can rarely be beat on price.

Why American Amicable Life Insurance

American Amicable Insurance has one of the best no exam life insurance products in the market. 

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 can likely qualify for a “Preferred’ rate with American Amicable. 

This could make the cost of American Amicable term products almost identical 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 - $400,000 
  • Renewable to age 95
  • Term lengths of: 10, 15, 20 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 Life Insurance Quotes

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

SAMPLE RATES FOR WOMEN


Age



$200,000



$300,000



$400,000



30 Years Old



N/A



$21.97



$27.19



35 Years Old



$20.53



$27.37



$34.39



40 Years Old



$26.11



$36.01



$45.91



45 Years Old



$35.83



$50.32



$64.99



50 Years Old



$49.87



$68.95



$89.83



55 Years Old



$70.93



$100.54



$131.95



60 Years Old



$112.51



$162.37



$214.39



65 Years Old



$194.05



$285.22



$378.19


Rates are based on a female rated a preferred rate for a 20 year term policy.

SAMPLE RATES FOR MEN


Age



$200,000



$300,000



$400,000



30 Years Old



$22.51



$30.07



$37.99



35 Years Old



$24.85



$33.85



$43.03



40 Years Old



$33.67



$47.08



$60.67



45 Years Old



$49.69



$70.57



$91.99



50 Years Old



$71.83



$104.05



$136.63



55 Years Old



$108.73



$158.05



$208.63



60 Years Old



$170.65



$227.17



$300.79



65 Years Old



$267.31



$395.38



$525.07


Rates are based on a male rated a preferred rate for a 20 year term policy.

American Amicable also offers competitive Return of Premium (ROP) rates that also do not require any exam.  

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.   

American Amicable also offers final expense life insurance and universal life coverage, but the term life market is where they’re most competitive.

Taking Action

You can Click here to email us or call us at 1-800-380-3533 if you have questions or need more information.  

Click the link below to get an accurate American Amicable quote and we will email you with their best rate.

If American Amicable isn't the most affordable for you, we will also send rates from other insurance companies.