Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 18, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • American Amicable offers life insurance quotes directly through agents only
  • Accordia Life doesn’t offer final expense insurance, though its parent company, Global Atlantic has similar products
  • American Amicable and Accordia Life both have an “A” ratings from A.M. Best

If you’re between the two, this Accordia Life vs. American Amicable easy guide will make it easy to compare their life insurance policies.

When you’re buying life insurance, you want it to be easy and affordable. However, you must also consider the reality of what you need the life insurance policy for: Are you covering funeral costs only, or will the benefactors need extended support? These are the right questions to ask when researching the best life insurance companies.

Accordia Life and American Amicable are two affordable options for anyone trying to buy life insurance. Both offer a variety of products at competitive rates. Keep reading to learn more.

If you’re ready to start comparing providers near you, enter your ZIP code to start researching life insurance quotes.

Does Accordia Life or American Amicable Life have good insurance rates?

Check out the table below to compare Accordia Life and American Amicable life insurance versus other carriers for a 20-year term for a male.

Accordia Life vs. American Amicable vs. Other Carriers: Sample Monthly Rates for Males (20-year Term $250,000 Policy)
CompanyAge 30 Sample Monthly RatesAge 40 Sample Monthly RatesAge 50 Sample Monthly RatesAge 60 Sample Monthly Rates
Accordia Life$27.15$40.05$105.47$300.38
American Amicable$20.48$27.68$51.08$128.93
Liberty Mutual$33.75$55.13$144.68$399.83
Nationwide $16.02$21.36$53.85$180.23
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Women’s rates are generally lower for life insurance. Women can expect to pay anywhere between $4 less to $40 less than their male counterparts for life insurance. Check out this table:

Accordia Life vs. American Amicable vs. Other Carriers: Sample Monthly Rates for Females (20-year Term $500,000 Policy)
CompanyAge 30 Sample Monthly RatesAge 40 Sample Monthly RatesAge 50 Sample Monthly RatesAge 60 Sample Monthly Rates
AmericanAmicable$16.88$22.50 $37.80 $88.88
Liberty Mutual$25.20$42.53$107.78$250.65
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The Insurance Information Institute reports that, after checking with your state insurance department for buyer’s guides, there are four critical things to consider when buying life insurance:

  1. Financial solidity
  2. State licensure
  3. Customer service
  4. Choice of benefits and riders

Learn more about the benefits and riders from Accordia life insurance and American Amicable in the next section.

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Which company has the best policies?

Let’s break these companies up to see what types of life insurance policies are offered to customers.

American Amicable Life Insurance Policies

When you sign online, you’ll see that American Amicable offers three life insurance products: whole life insurance, term life insurance, and universal life insurance. Though ages may vary in some states, most policies are offered to anyone 0 to 85.

(You can also find the American Amicable agent login online.)

First is American Amicble’s final expense policy. This is the whole life coverage option. Some of its features include:

  • No medical exam required
  • No cost accelerated benefits
  • Fixed premiums and death benefits
  • Cash value accumulation

American Amicable offers two term life insurance options: No-Medical Term and Association Term life (a group plan). The latter is renewable on 10-year terms, while the no-exam life insurance option can be made permanent. It also offers two universal life insurance options.

American Amicable’s Non-Medical Universal Life and its fully underwritten universal life options are suitable for those looking for flexible premiums.

Non-Medical Universal Life:

  • Coverage ranges from $25,000 to $250,000
  • No medical exam or blood work required
  • Adjustable benefit life insurance contract
  • 15-year no-lapse guarantee

Fully Underwritten:

  • Adjustable benefit life insurance contract
  • No stated maximum coverage amount
  • No lapse guarantee

Now, let’s learn about Accordia Life.

Policies by Accordia Life

Accordia is a smaller fish in the bigger pond that is Global Atlantic, which means that it can provide flexible services.

Term Life

The Accordia level premium term policy guarantees premiums and benefits remain the same throughout the term. Available riders under this coverage type include waiver of premiums, accidental death benefit, children’s insurance, additional insured, and terminal illness.

  • Waiver of premium
  • Waiver of premium plus
  • Accidental death benefit
  • Children’s insurance
  • Additional insured
  • Terminal illness

Universal Life

Accordia’s Life Assure universal life option is permanent and offers a guaranteed death benefit, cash value accumulation, and a low-interest rate. Accordia also offers indexed universal life insurance, which is almost the same policy.

The difference is that Life Assure applies a minimum interest rate each year, while the market determines the indexed option.

Some riders that go along with these policies are:

  • Terminal illness accelerated death benefit
  • Overloan protection
  • Accelerated access rider
  • Primary insured
  • Additional insured
  • Guaranteed purchase option
  • Children’s insurance
  • Accidental death benefit
  • Monthly deduction deduction
  • Specified premium deduction

Now, let’s see what expert life insurance reviews show about these companies.

Accordia Life vs. American Amicable Life Insurance Ratings

American Amicable has an “A” rating from A.M. Best, though online customer reviews are questionable.

Accordia Life has an “A-” rating from A.M. Best and when compared to American Amicable, similar customer reviews on sites like Google.

Keep reading to learn more about these affordable life insurance companies.

Accordia Life vs. American Amicable Life Insurance History

Accordia Life and Annuity Company is a subsidiary of Global Atlantic. In 2013, Global Atlantic Financial Group Limited acquired Aviva USA life insurance business from Athene, only to later relaunch it as Accordia Life.

American Amicable Life Insurance was founded in 2010 in Texas. In its 100 years of operation, it’s gained a reputation as reliable for its worth.

After learning about each company, you may be ready to get a quote online. In the next section, get ready to start comparing local life insurance agents in your area.

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Which life insurance company is better?

You have now gotten the Accordia Life and American Amicable ins and outs quick rundown. But, which is best for you, Accordia Life vs. American Amicable, or does neither work?

Though American Amicable has a long history of providing its insurance products, Accordia Life is also a good contender due to its competitive rates.

Find a local agent to hook you up with the best affordable life insurance rates in your area. Enter your ZIP code to start comparing life insurance quotes.