American Amicable vs. Assurity: Best Life Insurance Company in 2021

When comparing American Amicable vs. Assurity, Assurity life insurance is cheaper for both men and women. Although American Amicable's A.M. Best rating is slightly higher than Assurity's, both American Amicable and Assurity received an A+ rating with the Better Business Bureau. Compare American Amicable vs. Assurity life insurance rates, ratings, and products to see if either company is right for you.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jun 3, 2021

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Quick Facts

  • Assurity life insurance rates are cheaper than rates from American Amicable
  • American Amicable has a higher A.M. Best rating than Assurity
  • Both American Amicable and Assurity have an A+ Better Business Bureau (BBB) rating

You have many different companies to choose from when it comes to life insurance. Comparing them head to head will help you make an informed decision. In this guide, we’ll evaluate the rates and ratings of American Amicable vs. Assurity life insurance companies to see if either is right for you.

Both companies offer term and permanent life insurance options, as well as other products. But, before you choose between American Amicable vs. Assurity life insurance, shop around and compare the rates, ratings, and products of multiple companies.

Don’t let your comparison shopping end with American Amicable vs. Assurity. Other companies also offer similar products at comparable rates. Enter your ZIP code now to compare life insurance quotes from companies near you for free.

American Amicable vs. Assurity: Which company offers more affordable rates to women?

You may not know what factors are used to determine your life insurance rates. Companies look at your age, gender, medical history, hobbies, and habits to calculate your insurance costs.

This table compares the average monthly American Amicable vs. Assurity life insurance rates of non-smoking women of various ages.

American Amicable and Assurity Average Monthly Life Insurance Rates for Women by Age
Age of Female Non-SmokerAmerican Amicable Average Monthly Rates Assurity Average Monthly Rates
25$11.88$8.70
30$12.15$8.70
35$13.41$10.09
40$16.20$12.44
45$21.06$16.53
50$28.08$24.71
55$38.61$35.76
60$59.40$56.64
65$100.17$98.40
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The Assurity average rates are cheaper than the American Amicable rates. Rates rise as you age and increase significantly once you are 65 years old. Note that if you smoke or have certain medical conditions, your rates will be higher.

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American Amicable vs. Assurity: Which company offers more affordable rates to men?

Now we’ll look at average monthly American Amicable and Assurity life insurance rates for men who don’t smoke.

American Amicable and Assurity Average Monthly Life Insurance Rates for Men by Age
Age of Male Non-SmokerAmerican Amicable Average Monthly Rates Assurity Average Monthly Rates
25$14.67$9.83
30$14.40$9.83
35$15.57$11.05
40$19.98$14.62
45$27.99$20.45
50$39.06$31.06
55$57.51$47.50
60$88.47$80.21
65$136.80$128.76
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American Amicable rates are higher for men as well as women.

It may be difficult to compare American Amicable vs. Assurity life insurance quotes. While you can get an Assurity quote online, you must speak with an agent to get an American Amicable quote.

American Amicable vs. Assurity: Which company is more well-reviewed?

Trusting your life insurance company is a must. You need to know that your provider will take care of your family when you can’t. That’s why it’s important to compare Assurity and American Amicable life insurance reviews and ratings.

A.M. Best evaluates insurance companies on their financial health. Ratings go from A++ all the way down to D. American Amicable received an A, while Assurity received an A-. Both companies show an excellent ability to meet financial obligations.

The Better Business Bureau rating scale goes from A+ to F. Both American Amicable and Assurity received an A+ rating and are BBB accredited.

American Amicable products include term, whole, and universal life insurance. You can also find final expense coverage and annuities with American Amicable. You have to speak with an agent to get a quote or file a claim.

Assurity also offers multiple types of life insurance, accidental death benefits, and annuities. Assurity disability insurance is offered in both an individual and commercial capacity. While you can get an Assurity quote online, you have to speak with an agent to file a claim.

Both companies offer websites, and your American Amicable or Assurity life insurance login will allow you to access your account at any time.

Read our American Amicable life insurance review and our Assurity life insurance review to learn more about each company.

We’ve gone over your options for affordable American Amicable vs. Assurity life insurance. Compare products, rates, and ratings to decide if either company is right for you.

Keep in mind that you don’t have to choose between whether to buy American Amicable vs. Assurity life insurance. There are many other companies out there that offer affordable life insurance. Enter your ZIP code now to compare life insurance quotes from companies near you for free.

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