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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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

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 Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Sometimes in life, the unexpected and destructible happens. When someone dies, there are many expenses involved, not to mention if the family is left with bills or other debt to take care of. Funeral costs alone amount to at least $10,000.

So, how can you prepare for your death so that your family isn’t left with responsibilities that take much time, effort, and financial burden?

You should obtain a life insurance policy that will take care of these things after your passing. If you don’t want your family to suffer any more than necessary, a life insurance policy is the best thing you can do to prepare for the inevitable.

But, which life insurance company is best? How will you know that the coverage is beneficial enough to take care of your needs?

In this article, we’re reviewing American Amicable Life Insurance to help you determine if they have a policy that’s right for you. Keep reading to learn more.

Looking to compare life insurance prices? We can help. Enter your ZIP code to get free quotes from multiple insurers.

History of American Amicable Life Insurance

American Amicable Life Insurance Company started in 1910 in Texas as a progressive market insurer. Their focus is to offer innovative insurance and annuity products that are developed to target your needs. This can and does include protection, wealth creation, and estate preservation. American Amicable Life Insurance Logo

In 2010 Industrial Alliance Insurance and Financial Services Inc. acquired American Amicable Life Insurance to help maintain a consistent financial position. And, the company continues to grow and prosper.

This company is dedicated to its financial integrity and responsible management practices. Their strong commitment to each policyholder is provided with great enthusiasm.

Depending on your needs it may also depend on the type of policy you’re looking for. Here are the top-selling life insurance policies offered by American Amicable Life Insurance Company.

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Term Made Simple (Non-Medical Exam)

To kick off the list of available American Amicable life insurance products we start with their simplified issued non-medical term insurance better known as Term Made Simple. This life insurance holds true to its name as it really is designed to be simple for the person applying for life insurance coverage.

One of the greatest benefits of applying for American Amicable’s term life insurance is that you’re not required to take a medical exam. This means that you will not be required to meet with an examiner or even have to do a blood draw or provide a urinalysis sample to apply.

American Amicable has even made their entire application process simple by utilizing a short-form application combined with a telephone interview consisting of general underwriting questions.

Underwriting can be rather quick depending on the individual applying. In order to provide quick approval times, American Amicable will use advance underwriting tools and services.

These underwriting methods include a check of your Medical Information Bureau (MIB) and as well as Pharmaceutical Database Check. Depending on the results of the reports there could be the possibility of needing medical records as well as an exam is called for.

Coverage amounts start at $50,000 and range to $400,000 with available term lengths of 10, 15, 20 or 30 years. Term Made Simple is also renewable up to age 95.

Each term life insurance policy comes with a conversion option that allows for either all or a portion of the death benefit to be switched to permanent life insurance.

The conversion option is guaranteed approval and you will not be required to show any evidence of insurability to qualify. Conversions must be done no later than age 75.

American Amicable Term Made Simple Life Insurance

Issue Ages:

  • 10 Year (Ages 18-75)
  • 15 Year (Aged 18-70)
  • 20 Year (Ages 18-65)
  • 30 Year (Ages 18-55)

Coverage Amounts:

  • Minimum $50,000
  • Maximum $400,000

American Amicable Term Life Insurance Riders

  • Accelerated Benefit Rider – Pays out a portion of the death benefit if the insured needs confined care. Available at no additional cost.
  • Terminal Illness Accelerated Benefits Rider – Pays out a portion of the death benefit if diagnosed with a qualifying terminal illness. Available at no additional cost.
  • Accidental Death Benefit – Pays out an additional death benefit if death is due to an accident.
  • Children’s Insurance Agreement – Provides life insurance coverage on children of the insurance.
  • Chronic Illness Accelerated Rider – Provides a benefit payment due to a qualifying chronic illness.
  • Critical Illness Rider – Allows for up to either 25%, 50% or 100% of the death benefit paid in advance if diagnosed with a qualifying critical illness.
  • Total Disability Benefit Rider – Provides a monthly benefit due to a qualifying disability.
  • Waiver of Premium – Will waive premiums payments due to a qualifying disability.

Association Term

Do you currently work in one of the following occupations?

  • Federal Employees
  • State Employees
  • County Employees
  • City Employees
  • Police
  • Firemen
  • Emergency Medical Professionals
  • Employees of State Funded Educational Institutions
  • Railroad Employees
  • Hospital Employees
  • Spouses of Eligible Individuals

If your job is listed in one of the following occupations listed above, American Amicable has coverage tailored for you. Coverage for employees in these occupations can qualify for simplified issue term insurance with a term length of 10 years as long as you’re between the ages of 18-65.


American Amicable
Final Expense Whole Life

Need a small burial or final expense life insurance policy? American Amicable can offer you it with their Golden Solution final expense whole life insurance coverage.

Just like their simplified term life insurance, you will not be required to take a medical exam when applying for coverage. Instead, your eligibility is based on answers to questions on the life insurance application as well as result from a routine telephone interview.

Eligibility also plays a large role in which type of death benefit plan you may qualify, as there are three different types available.

Immediate Death Benefit: This benefit option will pay out 100% of the death benefit at the time of death.

Graded Death Benefit: This benefit pays out 30% of the death benefit if death occurs in policy year 1. In policy year 2, 70% of the death benefit will be paid. After year 3, 100% of the death benefit will be paid.

Return of Premium Death Benefit: This benefit pays out a full return of premiums paid into the life insurance coverage plus 10% if death occurs within the first 3 policy years. 100% of the death benefit will be paid out if death occurs due to an accident in all policy years.

Benefits of American Amicable Golden Solution Whole Life Insurance

  • Affordable competitive rates
  • Fixed locked-in rates after approval
  • Coverage available up to age 85
  • Three different benefit plans
  • Several optional policy riders
  • Easy applying process
  • A great choice for seniors

Golden Solution Final Expense Whole Life Insurance

Issue Ages:

  • Ages 50 to 75 ($35,000 Immediate Plan)
  • Ages 76 to 85 ($20,000 Immediate Plan)
  • Ages 50 to 85 ($20,000 Graded Plan)
  • Ages 50 to 85 ($20,000 Return of Premium Plan)


American Amicable
Universal Life Insurance

American offers two types of permanent universal life insurance coverage. The main difference between types is within the underwriting as well as the maximum amount of coverage that can be purchased.

Non-Medical Universal Life

With this policy, you will not be required to do a physical exam or any blood work whatsoever. The coverage offers a flexible premium and an adjustable benefit with coverage ranging from $25,000 to $250,000. Coverage is guaranteed to have a no lapse protection for up to 15 years even if the minimum premium payments are made.

Issue Ages: 0-75
Minimum Coverage:
Maximum Coverage:
Optional Riders: Disability Income, Children’s Insurance, Family Insurance, Waiver of Premium, Accidental Death, Terminal Illness and Confined Care

Fully Underwritten Universal Life

If you opt to do a medical exam, which would fall under the fully underwritten coverage, you can apply for coverage greater than $250,000 if need be. A fully underwritten universal life insurance also offers guaranteed no-lapse protection throughout the entire life of the contract even if the minimum premium payments are made.

Issue Ages: 0-80
Minimum Coverage:
Maximum Coverage:
No stated maximum
Optional Riders: Accelerated Benefit, Confined Care, Disability Income, Waiver of Surrender Charge, Term Rider, Children’s Insurance, Accidental Death, Waiver of Month Deduction or Specified Premium

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A.M. Best Company Rating

The A.M. Best Company is a third party reporting and rating agency for life insurance companies. They give American Amicable Life Insurance a rating of “A” or excellent dating back to February 2015. An “A” rating is the third-highest rating that the company offers.

American Amicable Life Insurance

American Amicable Life Insurance is a good company that prides itself on stellar customer service. They’ve been serving people just like you for over a century with competitive products and reliable service. Don’t hesitate to insure yourself to be prepared for the unexpected.

Also, keep in mind that the only way to know if a life insurance company is a right fit for you or your family is to compare companies and policies.

One company that works for a friend or loved one may not work best for your personal situation. Make sure to ask as many questions as you can think of when comparing quotes to get the most information possible before making a decision.

If you’re ready to invest in a life insurance policy with American Amicable Life Insurance, or if you have further questions, contact us. We offer quotes from the best insurance companies available.

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