American Amicable Life Insurance Overview
By the Policy Help Desk Editorial Team · 2 min read
Updated September 30, 2026
American Amicable is a life insurance carrier. Its published life insurance lines include whole life, term life and universal life coverage, alongside annuities, and its Senior Choice product is sold as final expense whole life insurance.
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(866) 673-3495Key Takeaways
- •Its life insurance business includes whole life, term life and universal life coverage, alongside annuities.
- •Senior Choice is the final expense line: a whole life policy intended for funeral costs and other final expenses, sold under three benefit plans.
- •Eligibility is decided by answers to the medical questions and, in some cases, a telephone interview, rather than a medical exam.
- •The plan chosen determines how the death benefit is paid: the graded benefit plan pays 30% of the face amount in the first year and 70% in the second, and pays 100% for an accidental death in any year.
Life-Insurance Options to Compare
Whole life insurance
Permanent coverage with a level premium and cash value that accumulates over the life of the policy.
Term life insurance
Coverage for a set period, paying a death benefit only if death occurs during the term.
Final expense (Senior Choice)
A whole life policy meant to cover funeral costs and other final expenses, issued without a medical exam and sold under three benefit plans.
Annuities
Annuities are not life insurance. They are contracts that pay income and sit outside this overview.
These are the product lines the insurance carrier publishes. This is an overview, not an offer or a policy illustration — actual terms, availability and eligibility come from the issuing company and the policy itself.
What to Consider
Final expense (Senior Choice)
The plans differ in how the death benefit is paid. The graded benefit plan pays 30% of the face amount in the first year and 70% in the second, reaching 100% in the third year and later, and pays 100% for an accidental death in all years. The return-of-premium plan pays premiums plus 10% interest for the first two or three years, depending on issue age.
Whole life insurance
Premiums do not increase, and the policy cannot be canceled because of changes in age or health as long as premiums are paid.
Term life insurance
Coverage lasts for the selected term; renewal or conversion options depend on the policy.
Questions Before You Apply?
A licensed agent can walk through eligibility, timing and what a policy does and does not cover before you decide.
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(866) 673-3495Frequently Asked Questions
Is American Amicable an insurance carrier?
Yes. American Amicable issues life insurance and annuity products and is reviewed here as a carrier, not as an agency or comparison service.
What is Senior Choice?
Senior Choice is the company's final expense product: a whole life policy intended to cover funeral and other final costs, sold under immediate, graded and return-of-premium benefit plans. It is issued without a medical exam.
Will I need a medical exam?
Senior Choice is issued without a medical exam: eligibility is based on answers to the medical questions and, in some cases, a telephone interview. Whether a particular application qualifies depends on the product, your age and your state.
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(866) 673-3495Who You Are Calling
Policy Help Desk is operated by Greystone Insurance Group LLC, a licensed Florida insurance agency (License #L132255). Calls may be handled by Greystone Insurance Group LLC or by a licensed independent insurance agent who can discuss available coverage options.
The number on this page is Policy Help Desk's own contact number. Policy Help Desk is not American Amicable's customer-service department. Availability of that company's products through the agent handling your inquiry depends on that agent's appointments, the product and your state.
Being included in this overview is not an endorsement of the company or its products by Policy Help Desk. Facts come from the sources listed above and were last verified September 30, 2026; they can change. Nothing here is an offer of insurance, a quote, or a statement that any applicant will qualify for coverage.