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American Amicable Life Insurance Reviews (2026): Honest Look at Coverage, Cost & Reputation
Updated for 2026 • Independent Insurance Review
American Amicable Life Insurance Company of Texas has over a century of history and is widely known for final expense life insurance and simplified underwriting. It often appears in burial insurance comparisons, especially for seniors and smokers seeking accessible coverage.
What Is American Amicable Life Insurance?
Founded in 1910, American Amicable offers term life, whole life, universal life, and final expense insurance. It operates as part of iA Financial Group, a large Canadian financial services organization with strong financial backing.
How American Amicable Insurance Works
- Focus on final expense coverage for seniors.
- Simplified underwriting with limited medical questions.
- Stable premiums and lifetime coverage options.
- Cash value accumulation on many whole life policies.
Policy Types Available
- Final Expense / Senior Choice: Designed for funeral and end-of-life costs.
- Term Life: Temporary coverage for 10–30 years.
- Whole Life: Permanent protection with cash value.
- Universal Life: Flexible lifetime coverage with savings component.
Estimated Monthly Premiums ($10k Final Expense)
| Age | Male | Female |
|---|---|---|
| 50 | ~$32 | ~$27 |
| 60 | ~$47 | ~$38 |
| 70 | ~$79 | ~$60 |
Pros & Cons
Pros
- Simplified underwriting (often no exam).
- Strong financial rating (A.M. Best A).
- Competitive smoker-friendly rates.
- Multiple final expense plan options.
Cons
- Some waiting-period policies.
- Mixed customer service reviews.
- Quotes usually via agents only.
- Coverage limits lower than some competitors.
Customer Feedback & Ratings
- A.M. Best rating: A (Excellent financial strength).
- BBB accreditation with generally strong rating.
- Some complaints about service delays and billing clarity.
Who Should Consider It?
- Seniors needing final expense coverage.
- Applicants wanting simplified underwriting.
- Smokers seeking relatively competitive pricing.
Final Verdict
American Amicable provides strong final expense insurance backed by solid financial stability. While customer experiences vary and pricing isn’t always the lowest, its accessibility and long-standing reputation make it worth comparing — especially for seniors and smokers.
FAQs
Is American Amicable reputable? Yes — it has over 100 years of history and strong financial ratings.
Is a medical exam required? Many final expense policies use simplified underwriting without exams.
Can smokers qualify? Yes, smoker-friendly rates are often available.
What is Senior Choice insurance? A family of final expense plans for ages 50–85 with various payout options.