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

The American Amicable vs. Prudential life insurance rate comparison comes out in favor of Prudential, especially for older adults. When comparing the financial strength ratings for American Amicable vs. Prudential, each company is strong but Prudential is superior. The most affordable life insurance rates will come with American Amicable's final expense insurance.

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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

  • A comparison of American Amicable vs. Prudential life insurance quotes comes out in favor of Prudential for term life insurance
  • Prudential’s financial strength rating from A.M. Best is superior to American Amicable’s
  • American Amicable is better at handling customer complaints, according to the Better Business Bureau

Are you looking for the best term life insurance quotes, or perhaps a whole life or final expense policy? Have you narrowed down your choices to American Amicable vs. Prudential?

Choosing the right life insurance company requires some research. We’ll help by breaking down American Amicable and Prudential’s rates, ratings, and reviews in one convenient place.

Each company offers different strengths that could benefit you as a policyholder.

Before you compare American Amicable vs. Prudential, check out quotes from the top life insurance providers using our free quote tool above.

American Amicable vs. Prudential: Which life insurance policy is best?

American Amicable and Prudential could each be considered undervalued life insurance providers. American Amicable specializes in life insurance products while Prudential offers an assortment of insurance and retirement solutions.

Is American Amicable legit? Yes. American Amicable has been in operation for over 100 years in Waco, Texas. Though Prudential may be more diverse, in terms of products offered, this doesn’t mean it is the better company.

We’ll compare American Amicable vs. Prudential life insurance rates to help you decide which company might be best for you.

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American Amicable vs. Prudential: Which company has cheaper life insurance rates?

If you’re trying to choose between American Amicable and Prudential life insurance, you’re probably wondering which company is the cheapest.

Sample American Amicable Life Insurance Average Monthly Rates by Age, Gender, and Coverage
Gender and CoverageAge 25 Average Monthly Rates Age 35 Average Monthly Rates Age 45 Average Monthly Rates Age 55 Average Monthly Rates
$100,000: 20-Year Term (Male)$14.67$15.57$27.99$57.51
$100,000: 20-Year Term (Female)$11.88$13.41$21.06$38.61
$250,000: 20-Year Term (Male)$25.65$29.25$59.85$132.75
$250,000: 20-Year Term (Female)$17.78$23.85$42.98$84.83
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American Amicable life insurance rates start off reasonably, especially for women, at under $15/month. Those rates do increase, nearly doubling from age 25 to 45, which isn’t uncommon.

Sample Prudential Life Insurance Average Monthly Rates by Age, Gender, and Coverage
Age $100,000: 20-Year Term Average Monthly Rates (Male)$100,000: 20-Year Term Average Monthly Rates (Female)$250,000: 20-Year Term Average Monthly Rates (Male)$250,000: 20-Year Term Average Monthly Rates (Female)
25$14.70$12.87$19.03$16.41
35$15.49$13.13$20.78$17.72
45$20.39$19.17$29.97$29.10
55$37.28$28.88$71.53$53.82
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The Prudential life insurance rates are also reasonable, starting under $15/month, but overall they are higher than American Amicable’s. The increase in price by age seems to be less significant for Prudential.

Average American Amicable vs. Prudential Monthly Life Insurance Rates by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (American Amicable) Average Monthly Rates10-Year Term (Prudential) Average Monthly Rates20-Year Term (American Amicable) Average Monthly Rates20-Year Term (Prudential) Average Monthly Rates30-Year Term (American Amicable) Average Monthly Rates30-Year Term (Prudential) Average Monthly Rates
25 - Male$22.50$18.16$25.65$19.03$31.50$20.35
25 - Female$16.43$15.53$17.78$16.41$22.95$17.94
35 - Male$22.73$19.25$29.25$20.78$39.15$23.19
35 - Female$19.13$15.53$23.85$17.72$31.05$21.00
45 - Male$37.80$23.63$59.85$29.97$80.78$49.44
45 - Female$28.35$22.75$42.98$29.10$63.00$40.03
55 - Male$78.30$42.88$132.75$71.53$183.38$148.53
55 - Female $54.00$34.35$84.83$53.82$137.48$105.44
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When comparing the American Amicable vs. Prudential life insurance quotes, you’ll notice that American Amicable is consistently more expensive regardless of gender or term length for $250,000 worth of coverage.

There are other factors that determine life insurance rates, so we can’t guarantee that your Prudential life insurance quote will be cheaper.

American Amicable vs. Prudential: Which company has better reviews?

Finding affordable American Amicable vs. Prudential life insurance is probably your number one priority, but each company’s ratings and reviews should be another major factor in making a final decision.

Ratings Comparison for American Amicable vs. Prudential
Ratings AgencyAmerican Amicable RatingPrudential Rating
A.M. BestA-A+
Better Business Bureau (BBB)A+NR
Fitch's RatingsN/AAA-
J.D. PowerN/A759
Moody'sN/AAa3
Standard & Poor's (S&P)N/AAA-
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Because American Amicable is a less prominent life insurance provider, you won’t find as many American Amicable reviews online.

From the information we do have, we can note that American Amicable does have a solid financial foundation.

A.M. Best rates Prudential slightly above American Amicable. Fitch, Moody’s, and S&P have yet to provide a financial strength rating for American Amicable.

A further look into the American Amicable Life Insurance Company reviews shows that the company is responsive to complaints, suggesting a positive outlook for customer service.

While you might only find one American Amicable rating for financial strength, you can feel confident you’ll get answers from customer service when you call the American Amicable phone number.

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Prudential, on the other hand, is not accredited by the Better Business Bureau and has a poor rating based on customer complaints. You may need to keep a close eye on your account using your Prudential insurance login.

Which life insurance company is the best to work for? According to Glassdoor, Prudential is the preferred employer when compared to American Amicable.

American Amicable vs. Prudential: What are the pros and cons?

Term life insurance is the most popular life insurance option. This doesn’t mean that you are limited to term life insurance with American Amicable or Prudential.

One of the popular American Amicable products is burial or final expense insurance. American Amicable final expense insurance will be the cheapest option available when compared to the Prudential insurance premium for this coverage.

Which type of life insurance is best? That depends on your specific needs. For those looking for the cheapest policy with a lower death benefit, final expense insurance will be enough to cover funeral costs.

Term life insurance is typically more flexible and offers a greater death benefit to cover debts like car payments, mortgages, and more. What are the overall pros and cons for American Amicable vs. Prudential?

Pros

  • Strong financial ratings (both companies; Prudential rated higher)
  • Cheap final expense insurance (American Amicable)
  • Responsive to complaints (American Amicable)

Cons

  • Average life insurance rates (both companies; Prudential is cheaper overall)
  • Customer service concerns (Prudential)

Making a choice between American Amicable and Prudential comes down to what you’re seeking in a life insurance provider.

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American Amicable vs. Prudential: The Bottom Line

Should you buy American Amicable vs. Prudential life insurance? Prudential and American Amicable each have some pros and cons. For cheaper term life insurance, Prudential may be your best bet.

If you need reassurance that you’ll be getting good customer service, you might prefer American Amicable.

Now that you’ve compared American Amicable vs. Prudential life insurance, check out rates from other top companies in just a few clicks using our free quote tool below.

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