Amica life insurance review 2025

Amica's affordable rates and easy online application process landed it on both our best term life insurance and most affordable life insurance lists.

We like that Amica policies include a free terminal illness rider, so you can access benefits if you're facing a serious condition and have medical expenses.

We also like that Amica's whole life policies can be paid off in a scheduled number of years, so you can tighten your budget or make sure you finish before retirement.

Amica's riders are limited, though, and it doesn't issue universal life or final expense insurance.

Amica offers term and whole life insurance in all 50 U.S. states and Washington, D.C. It does not issue universal life insurance.

Term life insurance

Term life insurance lasts for a scheduled number of years before expiring. Adults 18 to 75 can get Amica term life for 10, 15, 20, 25 or 30 years, with a death benefit that can range from $100,000 to over $1 million.

Amica's term life is convertible, so you can transition into a whole life policy without a new medical exam. No-exam coverage only applies to healthy individuals aged 50 and under that apply for certain coverage amounts (up to $1M for ages 40 and under, and up to $500k for ages 41-50).

Whole life insurance

Unlike term life, whole life insurance policies remain in force as long as you pay premiums. They can also build cash value that can be withdrawn, borrowed against or used to pay your premiums.

Amica's whole life coverage starts at $25,000 and can go upwards of $1 million. Depending on the policy, there are plans available up to age 80.

Amica has three whole life insurance plans:

• Whole Life 20: Payment is complete in 20 years. Available up to age 80 at the time of issue
  .
• Whole Life 65: Payments are complete at age 65. Available up to age 50 at the time of issue.
  
• Whole Life 100: Payments are complete at age 100. Available up to age 80 at the time of issue.

Their variation allows you to set your priorities, whether that's paying off the policy before you retire or spreading payments out over years to keep your premiums low.

Unlike some competitors, however, Amica's whole life plans do not pay dividends. And, it doesn't offer universal life insurance or a guaranteed acceptance final expense policy.

The only endorsement Amica offers is a terminal illness rider. It's free, but the lack of other rider options could be frustrating.

Amica's market share is too small for it to be rated in J.D. Power's 2024 individual life insurance survey. It does receive considerably fewer complaints than expected for a company its size, however, according to the National Association of Insurance Commissioners.

Amica also earned an A+ from the Better Business Bureau, which uses customer complaints and other public information to determine how a company is likely to interact with consumers.

Customer service agents are available by phone at 800-234-5433, weekdays from 8 a.m. to 7 p.m. ET. There is also an online chat feature with agents available weekdays from 6 a.m. to midnight ET and 7 a.m. to midnight on weekends.

You can manage your policy details, payments and beneficiaries on the Amica mobile app.

Amica offers a wide variety of insurance and financial products, including:

• Car insurance
• Homeowners insurance
• Renters insurance
• Flood insurance
• Small business insurance
• Pet insurance (through Embrace)

Auto policy customers get a 10% discount if they have Amica life insurance.

We put Amica's life insurance offerings up against two major providers in the space, Guardian and State Farm.

Amica vs. Guardian

Amica and Guardian are both nationwide operations with similar coverage options. You can get term life quotes on either website, but only Amica lets you actually apply online.

While Amica's whole life coverage comes with a free terminal illness endorsement, Guardian has a lot more riders overall. It also offers universal life and final expense plans, which Amica doesn't, and is the only one that lets whole life customers earn dividends.

In terms of customer satisfaction, both have low complaint scores with the NAIC. Amica has an A+ from the Better Business Bureau, though, while Guardian has an A- due to its "failure to respond to two complaints."

Read: Guardian life insurance review

Amica vs. State Farm

Amica and State Farm are major players in numerous markets, including life insurance. State Farm has a few more options, though, like final expense and universal life policies.

Amica tops State Farm for affordability, though, and applicants in good health may be eligible for a term or whole life policy without a medical exam. No-exam coverage only applies to healthy individuals aged 50 and under that apply for certain coverage amounts (up to $1M for ages 40 and under, and up to $500k for ages 41-50). (State Farm's only no-exam policy is a final expenses plan.)

State Farm's bundling discount is worth up to 17%, however, compared to 10% with Amica.

And, State Farm offers universal life insurance, including hard-to-find survivorship plans, as well as more in the way of endorsements, like return of premium (ROP) and guaranteed insurability riders.

Both companies offer quotes on their websites, although only Amica allows you to buy term life online without speaking to an agent.

Read: State Farm life insurance review

You can start the process of purchasing term life insurance on the Amica website by getting an online quote.

You'll have to provide personal details — like your date of birth, height, weight and gender — and answer some questions about your health and family medical history.

Depending on your answers, you can finish applying online or call an agent at 844-832-8589 to continue the process and schedule a medical exam.

If you want a term policy quickly and cheaply, Amica's simple online experience and reasonable rates make it a winner.

If you're looking for the customization that riders can provide or are interested in universal life or burial insurance, you might need to look to one of its bigger competitors.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

CNBC Select uses a variety of criteria when reviewing life insurance companies, including the types of policies offered, rates and terms, nationwide availability, riders, medical exam requirements, the availability of online quotes and overall customer satisfaction. 

We also consider rankings on J.D. Power's individual life insurance survey, financial strength ratings from A.M. Best, Better Business Bureau grades and scores from the National Association of Insurance Commissioners' complaint index.

Life insurance rates may come from various sources, including the provider and state insurance departments.

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