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

American Amicable vs. Nassau Life insurance quotes are private, but your rates are determined by age, gender, health, death benefits, and policy type. The American Amicable life insurance has an "A" rating with A.M. Best, but Nassau Life insurance has no medical exam life insurance. Compare American Amicable vs. Nassau Life insurance to secure the best rates.

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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

  • American Amicable life insurance has three types of policies, Nassau Life only has two life insurance policies
  • Overall, Nassau Life is slightly more expensive than American Amicable
  • Despite its earning potential, Nassau Life has a “B” rating under A.M. Best

Do you want to compare American Amicable vs. Nassau Life insurance and learn more about Nassua Life or American Amicable quotes? You’ve come to the right place.

American Amicable vs. Nassau Life insurance quotes may be private, but we found term life insurance quotes from both companies.

You’ll need to know how much your monthly rates will be. Don’t worry – our guide is here to help. Continue reading to learn more about affordable American Amicable vs. Nassau Life insurance and what each company offers.

Before jumping into this American Amicable vs. Nassau Life insurance review, enter your ZIP code in our free comparison tool above to get started.

American Amicable vs. Nassau Life Insurance: Which company has more life insurance products?

Before you buy American Amicable vs. Nassau Life insurance, it’s essential to know what you’re buying.

Ultimately, Nassau Life (also known as Phoenix Life) and American Amicable products will be determined by your life insurance quotes.

So which products are available and which company has more options? Let’s compare:

American Amicable vs. Nassau Life Insurance Policies
American Amicable Life Insurance PoliciesNassau Life Insurance Policies
Whole Life InsuranceNassau Re / Phoenix Simplified Issue (SI) Safe Harbor Term
Term Life InsuranceNassau Re / Phoenix Remembrance Life
Universal Life Insurance
Final Expense Burial Insurance
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American Amicable has more life insurance policies than Nassau Life Insurance Company. However, more policies don’t mean more quality, but it does show a degree of flexibility.

Nassau Life’s term life insurance comes with no medical exam perks, allowing you to start a life insurance policy quickly. This is usually connected to higher premiums, though.

If you want to know more about the details of each policy, check out our Phoenix Life insurance review and American Amicable life insurance review.

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How much are American Amicable vs. Nassau Life insurance rates?

Your life insurance rates vary based on age, health, gender, policy type, and death benefits (coverage limit). American Amicable and Nassau Life have private life insurance rates.

However, we managed to find term life insurance premiums based on $100,000 death benefits for a 20-year term life policy. Let’s see how American Amicable and Nassau Life compare:

American Amicable vs. Nassau Life 20-Year Term Average Monthly Life Insurance Rates by Age, Gender, & $100K Death Benefit
Age of Non-Smoking PolicyholdersAmerican Amicable Monthly Rates (Female)American Amicable Monthly Rates (Male)Nassau Life Monthly Rates (Female)Nassau Life Monthly Rates (Male)
25$11.88$14.67$15.40$17.69
30$12.15$14.40$16.14$17.43
35$13.41$15.57$18.99$20.37
40$16.20$19.98$22.52$26.15
45$21.06$27.99$28.48$34.78
50$28.08$39.06$42.11$51.69
55$38.61$57.51N/AN/A
60$59.40$88.47N/AN/A
65$100.17$136.80N/AN/A
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We rearranged the monthly costs so you can see the progression from cheapest to most expensive. As you can see, American Amicable is more affordable.

Females pay less than male policyholders because males statistically have lower life expectancies. Also, Nassau Life’s term life insurance doesn’t provide coverage for people over 50 years old, but American Amicable does.

Do American Amicable and Nassau Life have good financial ratings?

American Amicable life insurance reviews are all over the place. However, the best rating agencies give American Amicable high scores.

For example, A.M. Best gave American Amicable an “A” rating. Meanwhile, the Better Business Bureau (BBB) graded the accredited company with an “A+.”

Nassau Life insurance company ratings under A.M. Best are good, but not as strong as some of its competitors. The latest Nassau Life financial strength rating at A.M. Best is “B.” That grade is weaker than some smaller life insurance companies.

American Amicable is a much better company at managing money and fulfilling obligations to customers.

Can you file an American Amicable or Nassau Life insurance claim online?

The short answer is yes. Both companies may have shaky ratings, but they maintain an online presence.

American Amicable and Nassau Life insurance provides claim forms on their websites, but they don’t have a straightforward way to make a claim online.

The best way to file a claim is to contact American Amicable or Nassau Life customer service by email or phone.

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American Amicable vs. Nassau Life Insurance: What’s the bottom line?

When stacked up, American Amicable is the better choice due to the company’s better financial strength ratings, lower prices, and more life insurance policies.

While Nassau Life remains competitive with no medical exam life insurance, Nassau doesn’t provide coverage for people 50 years old and older.

Now that you know more about American Amicable vs. Nassau Life insurance, use our online quote tool to compare multiple providers near you.

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