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finder.com's rating: 3 / 5
★★★★★
18 to 50
Issue Age
$25,000 to $500,000
Coverage
Yes
Medical Exam Required
Policies | Term, Whole, Indexed universal, Final expense, Mortgage protection |
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Coverage maximum | $500,000 |
Term lengths | 15, 20, 25 and 30 years |
Medical exam required | Yes |
Available states | All states except NY |
Issue age | 18 - 50 |
Riders |
Accelerated death benefit rider Accidental death benefit rider Child rider Return-of-premium rider Waiver-of-premium rider |
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Review by
Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).
Americo has a diverse life insurance lineup, and caters to those who need temporary coverage and people who want to protect their home in case they can’t make their repayments. But the customer service reviews are less-than-stellar, and you can only get up to $500,000 in coverage.
If you’re in the market for a high-value policy, compare life insurance companies
The insurer’s life insurance lineup includes term and permanent policies, as well as more unique offerings — like mortgage protection insurance.
You may be able to customize your coverage with these riders:
Americo doesn’t disclose its rates online. But like all other life insurance companies, it reserves its best rates for young, healthy applicants with safe jobs and clean driving records.
Americo isn’t accredited with the BBB, but it has been rated A+ by the organization, as of October 2020.
The BBB recorded 39 complaints in the past three years, which is relatively low — but timely responses are key to an insurer’s reputation for customer service. Most of the complaints centered on the claims process. Customers award the insurer 2 out of 5 stars.
You’ll need to speak to an agent. To do that, call 888-220-7074 weekdays from 8 a.m. to 5 p.m. (CT), or fill out the form on Americo’s life insurance page.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.