Carrier Review
American-Amicable
Final expense with living benefit riders
A.M. Best
A (Excellent)
Founded
1910
Headquarters
Waco, Texas
A Texas insurer with over a century of history, American-Amicable specializes in final expense and mortgage protection products sold through independent agents.
Products offered
Final ExpenseTerm LifeMortgage Protection
Pros and cons
What we like
- Terminal, chronic, and critical illness riders at no additional premium on many plans
- Multiple health tiers so most applicants find a fit
- Same-day approvals common
What to watch
- Rates can be beaten by larger carriers at the healthiest tier
Underwriting
Simplified issue with tiered plans by health.
Our verdict
A dependable workhorse for final expense cases that fall between preferred health and guaranteed issue.
American-Amicable FAQs
Someone is always watching over your family.
That's the whole idea. Let's make sure the plan behind it is real, funded, and matched to the people you love.