Amica Life Insurance Review (2026)

Rated A+ (Superior) by AM Best, Amica is a policyholder-owned mutual insurer that is best known for its auto and homeowners insurance, but it also offers life insurance through its subsidiary, Amica Life Insurance Company. The company earns strong marks for a simple product lineup focused around protection and retirement solutions, along with a transparent online quoting tool. However, it may not suit buyers seeking more flexibility or permanent coverage beyond whole life.

Key Takeaways

Best for: Adults who want simple, reliable term or whole life coverage from a mutual insurer with a multi-line bundle option.

Standout feature: Online term life quotes and application available in most states, with potential no-exam approval based on health criteria.

Products offered: Term life and whole life insurance.

Financial strength: A+ (Superior) from AM Best.¹

How to access: Online quotes for term life in most states; whole life requires speaking with a representative; policies available nationwide except Hawaii.

About Amica Life Insurance

Amica has been serving customers since 1907 and is headquartered in Lincoln, Rhode Island. As a mutual insurance company, it is owned by its policyholders rather than shareholders, allowing the company to focus on long-term customer interests. Life insurance products are issued through Amica Life Insurance Company, a subsidiary of Amica Mutual.

In addition to life insurance, Amica offers a wide range of coverage options, including auto, home, umbrella, marine, and small business insurance. This can make it convenient for customers who prefer to manage multiple insurance policies with one provider.

Unlike many insurers that sell primarily through independent agents, Amica uses a direct-to-consumer model. Customers can purchase and manage policies through Amica representatives, the company's website, or other online channels.

Amica Life Insurance Review for 2026

In this review, we will examine Amica's coverage options, underwriting process, customer experience, financial strength, and overall value to help determine whether it is the right fit for your life insurance needs in 2026.

Amica Financial Strength and Ratings

Amica earns strong ratings from several independent organizations that assess insurers based on factors such as financial strength, customer service, and overall reputation. These ratings can help consumers evaluate an insurer's ability to meet its obligations and provide a positive customer experience.

A+ (Superior) from AM Best: This reflects Amica's strong financial position and its ability to pay claims and meet policyholder commitments.¹
A+ (Accredited) from Better Business Bureau (BBB): This indicates that Amica meets the BBB's standards for trust, transparency, and customer service.²
4.5/5 stars from Trustpilot: This is based on customer reviews, with many policyholders praising the company's service, claims process, and ease of doing business.³

Overall, these ratings indicate that Amica is a financially sound insurer with a strong reputation for reliability and customer satisfaction.

Amica Life Insurance Products

Amica keeps its life insurance lineup deliberately lean, offering term and whole life policies with level premiums and straightforward structures. The company does not offer universal life, final expense, or indexed products.

Term Life Insurance

Amica's term life insurance is designed to provide financial protection for a specific period, making it a practical option for those looking for coverage at a lower cost. Here are some of its key features:⁴

Coverage amounts are available from $100,000 up to $5 million.
Term lengths available from 10 to 30 years.
Eligible policyholders may have the option to convert their term policy to a permanent life insurance policy within a specified timeframe, without purchasing a new policy.
Some applicants can qualify for coverage without a medical exam by completing Amica's health assessment, although additional underwriting may be required based on factors such as health history and coverage amount.

Whole Life Insurance

Amica offers whole life insurance policies that provide permanent coverage and build cash value over time. Coverage amounts range from $25,000 to $20 million, making these policies suitable for a variety of financial planning needs. Applicants can choose from three different options, including:⁵

20-Pay Whole Life: Premiums are paid off in 20 years, but coverage remains in place for the rest of your life. Available to applicants up to age 80.
Whole Life to Age 65: Premium payments continue until age 65, after which the policy remains active without additional premiums. Available to applicants up to age 50.
Whole Life to Age 100: Offers the lowest premium payments among Amica's whole life options, with payments continuing until age 100. Available to applicants up to age 80 and includes lifelong coverage with cash value accumulation.

Available Riders and Add-Ons

Amica provides a Terminal Illness Accelerated Death Benefit rider for both its term and whole life policies at no additional cost. If the insured is diagnosed with a qualifying terminal illness, this rider may allow access to a portion of the policy's death benefit while they are still living.

The funds can be used for medical expenses, ongoing care, or other financial needs. However, any amount received through the rider will generally reduce the death benefit ultimately paid to beneficiaries.

Amica Life Insurance Underwriting and Application Process

Amica uses a mix of fully underwritten and simplified application paths depending on the product type, coverage amount, and health profile of the applicant.

Medical Exam Requirements

Amica uses different underwriting methods depending on an applicant's age, health background, and desired coverage amount. Some applicants may qualify for a simplified process, while others may need additional review before coverage is approved.⁶

Fully underwritten coverage: Requires a health and lifestyle questionnaire, and a medical exam may be necessary depending on factors such as age, health history, and the amount of coverage requested.
Accelerated underwriting: Available to some applicants, often those under age 50. Qualified individuals may be able to obtain coverage without completing a medical exam, based on their health and lifestyle information.
Guaranteed issue coverage: Typically offered to applicants between ages 50 and 85. These policies generally do not require a medical exam and may be an option for individuals who have difficulty qualifying for traditional life insurance.
Whole life insurance underwriting: Applicants must contact Amica directly to discuss eligibility, and medical exam requirements may vary based on the policy selected and individual circumstances.

How to Apply for Amica Life Insurance

Amica allows eligible applicants to apply for term life insurance online, making it possible to get a quote and complete the application easily. Here’s how you can apply:

Start by providing basic details such as your age, gender, height, weight, and tobacco use status.
Complete a health and lifestyle questionnaire as part of the underwriting process. You may or may not be required to complete a medical exam based on your health profile.
Review available coverage options and term lengths based on your information.
Submit your application online or finalize your purchase with assistance from an Amica representative over the phone.
Applicants interested in whole life insurance must contact Amica directly, as these policies are not available through the online application process.

Amica Life Insurance Customer Experience

Amica uses a direct-to-consumer model, selling policies through its own representatives, website, and mobile app instead of independent agents. This approach helps create a consistent customer experience, though it may limit comparison shopping through third-party advisors.

Customer Service and Contact Options

Life insurance customers can reach Amica by phone at 1-800-619-6077 on weekdays from 8 a.m. to 7 p.m. ET, or by submitting a contact form through the company website. Online chat is not available specifically for life insurance inquiries.⁷

Amica Life Insurance Claims Process

Amica life insurance claims can be submitted online or by phone, and beneficiaries do not need an existing Amica account to begin. Here’s how you can initiate the claims process:

Report a claim by calling Amica’s customer support during business hours or by submitting a claim through Amica's website.
Download and complete required claim forms online for a more streamlined filing process.
Provide a certified copy of the death certificate along with policy papers and any additional documentation, if requested.
Amica reviews the policy, confirms beneficiary information, and processes the claim within a few weeks once all required documents are received.
Through its partnership with Empathy (a bereavement support app), Amica offers complimentary support services for grieving families, including assistance with funeral planning, estate settlement guidance, grief resources, and personalized support plans.

Mobile App and Online Access

Amica offers a mobile app available on iOS and Android that allows policyholders to manage policies, make payments, and file claims. Customers can view policy details, make premium payments, and begin certain policy updates, such as beneficiary changes, directly through the app. Life insurance account management is accessible through the main Amica portal. Online chat support is available for auto and home customers but is not specifically available for life insurance inquiries.

Amica Life Insurance Pros and Cons

Amica may be a good fit for shoppers who want strong financial ratings, online term life quotes, and a straightforward policy experience. However, it may not be ideal for people looking for more advanced permanent life insurance options or a fully online whole life application.

Pros of Amica Life Insurance

Strong financial rating: Amica has an A+ rating from AM Best, which reflects its ability to meet policyholder obligations.¹
Online term life quotes: Customers can compare term life coverage options and pricing online before applying.
Potential no-medical-exam option: Some term life applicants may qualify without a medical exam, depending on their age, health profile, and coverage amount.
Terminal illness benefit included: Amica includes a terminal illness accelerated death benefit with its life insurance policies at no extra cost.
Beneficiary support: Through its Empathy partnership, Amica provides support resources for families after a policyholder's death.

Cons of Amica Life Insurance

Limited policy variety: Amica does not offer universal life, indexed universal life, or final expense insurance.
Whole life requires direct contact: Whole life insurance cannot be purchased through the online application process.
Representative involvement may be needed: Some applicants may need to complete the purchase or underwriting process with help from an Amica representative.

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Ethos vs. Amica Life Insurance

Ethos and Amica both offer life insurance without requiring consumers to work through a traditional agent network, but their approaches are quite different. Here’s how they compare against each other:

Product Range and Coverage Options

Ethos: Provides access to a broader selection of life insurance products (term life, whole life, IUL etc) through its carrier network, giving shoppers a variety of options based on their budget.
Amica: Primarily offers term and whole life insurance policies, making its product lineup simpler but more limited.

Application Experience and Underwriting

Ethos: Uses a streamlined online application and accelerated underwriting process, allowing applicants to qualify without a medical exam. However, applicants need to answer a set of health questions in order to qualify for coverage.
Amica: Offers online applications for term life insurance, but some applicants may need additional underwriting steps depending on their lifestyle and coverage needs.

Best Fit

Ethos: Best for shoppers who value speed, convenience, carrier choice, and a fully digital buying experience.
Amica: Best for customers who prefer working directly with an established insurer and managing multiple insurance insurance policies under one brand.

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FAQs on Amica Life Insurance

Amica life insurance may work well for individuals who value working with a well-established insurer and prefer managing multiple insurance products under one company. It can be especially appealing to existing Amica customers looking for straightforward term or whole life coverage backed by strong financial stability and customer service.

Amica offers both term life and whole life insurance policies. Term life coverage provides protection for a specified period, while whole life insurance offers lifelong coverage along with cash value accumulation. The company does not currently offer universal life, indexed universal life, or final expense insurance products.

Eligible applicants can obtain term life insurance quotes and complete an application online or by phone. The process typically includes answering questions about your health and lifestyle. Whole life insurance policies require direct contact with an Amica representative, as they are not available through the online application process.

Yes, many Amica term life policies include a conversion feature that allows policyholders to switch to a permanent life insurance policy within a specified period. This option can be valuable for those whose insurance needs change over time and who want lifelong coverage without reapplying for a new policy.

Amica offers whole life insurance options that may be available for children, depending on the policy type and eligibility requirements. Purchasing coverage for a child or grandchild can help provide long-term financial protection and may allow coverage to remain in place as the insured grows older.

In most cases, moving to a different state does not affect an existing Amica life insurance policy. Coverage generally remains active as long as premiums continue to be paid. However, policyholders should notify Amica of any address changes to ensure account information and communications remain up to date.