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finder.com's rating: 3.5 / 5
★★★★★
15 to 75
Issue Age
$5,000 to $1,000,000
Coverage
Yes
Medical Exam Required
Policies | Level term, annual renewable term, whole life and simplified whole life |
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Coverage maximum | $1,000,000 |
Term lengths | 10, 15, 20, 25 and 30-year |
Medical exam required | Yes |
Available states | Available in all 50 states |
Issue age | 15 - 75 years old |
Riders |
Accelerated death benefit rider Accidental death benefit rider Child rider Cost-of-living rider Critical illness benefit rider Waiver-of-premium rider |
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Review by
Andrew Flueckiger is a licensed insurance agent and Certified Insurance Counselor with experience in insurance and finance. A graduate of Indiana University, Andrew contributes a wealth of knowledge and experience to Finder. When Andrew isn’t writing, reading or practicing insurance, he can be found spending time with his family and playing the guitar.
Amica has a long history of offering strong insurance products nationwide. Its life insurance products are reasonably priced, though with somewhat limited options. Its simplified issue whole life policy is a feature that many competitors lack.
If you want more customizable coverage, compare life insurance companies.
According to Amica’s website, a $150,000 10-year term policy for a 30-year-old female will cost $9.84 a month or $118.08 a year. This is based on no tobacco use and a good health classification rate.
Young and healthy people can get the lowest life insurance rates. But here are some factors that can help you get a lower rate:
Speak with an Amica life insurance agent to learn more about its specific health classifications.
If you want whole life insurance, you’ll need to call an Amica agent. You can apply for term life insurance online:
Amica offers two main policy types: term and whole life. These are the options:
Amica offers some of the most popular riders to help you personalize your policy:
Amica has been accredited with the Better Business Bureau since 1957, and has an A+ rating for its customer interaction. Customers award the insurer 2 out of 5 stars. The BBB has recorded 77 complaints over the last three years, though most of them were promptly resolved by the insurer.
On Trustpilot, Amica has 3 out of 5 stars — but there are only a handful of reviews on the site.
If you’re looking for more options to compare, take a look at these other providers.
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