American Amicable vs. Liberty Mutual: Best Life Insurance Company in 2021

In a comparison of American Amicable vs. Liberty Mutual, Liberty Mutual came out on top. Both American Amicable and Liberty Mutual received the same rating from the Better Business Bureau. However, Liberty Mutual offers more affordable rates to men of various ages. Liberty Mutual also offers more affordable rates to women of various ages. Lastly, Liberty Mutual received a better rating from A.M. Best than American Amicable.

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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: Jul 19, 2021

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Quick Facts

  • Liberty Mutual’s prices are more affordable than American Amicable quotes
  • Liberty Mutual Insurance and American Amicable hold identical ratings from the Better Business Bureau
  • Liberty Mutual is more well-reviewed by A.M. Best than American Amicable

Comparing life insurance companies can be an overwhelming process. To reduce the stress of that process, today we’ll be focusing exclusively on American Amicable vs. Liberty Mutual.

In our Liberty Mutual vs. American Amicable life insurance review, we’ll be covering both company pricing and company ratings.

Before diving into American Amicable vs. Liberty Mutual Life Insurance Company review, type your ZIP code into our free and helpful tool above.

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

If you’re like most people, when you set out to find the right life insurance company for you, the first thing you want to know about is pricing.

Let’s take a look at a table that shows the rates offered to women for a 20-year $250,000 term life insurance policy.

Sample Average Female Monthly Life Insurance Rates for a 20-year term $250,000 Policy by Age and Company
CompanyAge 50 Average Monthly RatesAge 60 Average Monthly Rates
American Amicable$58.50$136.35
 Banner $31.17 $78.83
Cincinnati Life $27.28$56.76
Fidelity Life $45.68$58.32
 Foresters $31.94 $85.97
John Hancock$33.92$78.08
Liberty Mutual$32.94$59.76
 Lincoln $32.77 $160.13
 Mutual of Omaha $36.05 $94.02
Haven Life$21.54$48.09
MassMutual$31.08$63.58
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Is it easy to find affordable American Amicable vs. Liberty Mutual life insurance quotes?

As you can see, for women in their 50s, American Amicable is over $25 more expensive per month than Liberty Mutual.

For women in their 60s, Liberty Mutual is over $76 cheaper per month than American Amicable.

So, our American Amicable vs. Liberty Mutual life insurance review shows that the latter wins in terms of rates offered to women. Let’s see if this holds true in our next section when we analyze the rates offered to men.

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Which company offers more affordable rates to men?

We’re now going to engage in a process similar to what we did in the last section. This time, however, the table will show the rates offered to men of various ages for a 20-year term life insurance policy valued at $250,000.

Sample Average Male Monthly Life Insurance Rates for a 20-year term $250,000 Policy by Age and Company
Company Age 50 Average Monthly RatesAge 60 Average Monthly Rates
Accordia Life$56.07$153.53
American Amicable$87.75$190.35
Banner $40.85 $111.13
Cincinnati Life$27.28$56.76
Fidelity Life $54.59$73.92
 Foresters $42.66 $114.84
Liberty Mutual$40.32$95.58
 Lincoln $46.55 $190.53
Mutual of Omaha $46.55 $134.05
Haven Life$25.72$65.77
John Hancock$44.47$115.00
MassMutual$37.59$87.42
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As you can see, for men in their 50s, Liberty Mutual is $47 cheaper than American Amicable.

Look at American Amicable vs. Liberty Mutual life insurance rates or men in their 60s, where Liberty Mutual comes in at $95 cheaper than American Amicable.

Let’s wrap up with company reviews to see if we can finalize your decision on whether to buy American Amicable vs. Liberty Mutual life insurance.

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

We’re going to finish up with Liberty Mutual and American Amicable life insurance reviews from A.M. Best and the Better Business Bureau (BBB).

A positive rating from one or both of these two rating organizations can give you confidence that a life insurance company has and will continue to have financial strength.

The Better Business Bureau’s rating scale goes from the highest score of “A+” down to the lowest score of “F.” American Amicable received the Better Business Bureau’s highest rating of “A+,” and it is also BBB accredited.

What score did the Better Business Bureau give Liberty Mutual? It turns out that not only does Liberty Mutual hold BBB accreditation, it also received an identical rating of “A+.”

A.M. Best’s Financial Strength Rating (FSR) scale is slightly different in that it ranges from “A++” down to “D.”

American Amicable has an A.M. Best FSR of “A-” (Excellent). What Financial Strength Rating did Liberty Mutual receive? It received an even better FSR of “A.”

A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR). A Long-Term ICR can be issued on a long-term basis or short-term basis.

American Amicable received a long-term ICR of “a-.” How did Liberty Mutual fare? Again, it received a slightly higher rating of “a.”

In summary, you have two wonderful options here but the edge is with Liberty Mutual.

Don’t let your comparison stop with American Amicable vs. Liberty Mutual. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

Frequently Asked Questions: American Amicable vs. Liberty Mutual

What follows is a commonly-asked question about Liberty Mutual.

#1 – How do I contact the Liberty Mutual claims department?

You can call 1 (800) 290-7933.

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