American Amicable Life Insurance Company of Texas is an “Excellent” AM 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 most aggressive for people who are overweight and are looking for no medical exam term insurance up to $250,000 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.
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
If you can only qualify for a Standard Plus or Standard rate on a “fully underwritten” product or product that does require 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 strictly due to height/weight and your health is decent otherwise, then you may do better and have less hassle with an American Amicable term rate that does not require any exam.
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.
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 and the best rates from other insurance companies that may be better for you!!