Male
$39 /month
Female
$26 /month
Amica offers online quotes for term life insurance, but its overall policy lineup is limited.
Rating Breakdown
Financial strength rating
Exceptional
Online purchase
Yes
NAIC complaints
Close to expected
Policies offered
Term & permanent
A good fit for people who want simple term or whole life policies from a well-established mutual company.
If you’re looking for a more complex permanent policy, check out NerdWallet’s list of the best universal life insurance companies.
About Amica life insurance
Amica sells term and whole life insurance nationwide. The company offers policies with straightforward, level premiums, and you can apply for term coverage online in most states.
Amica earned 4.6 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
» MORE: Best life insurance companies
Where Amica stands out
Amica has been around for over 100 years and is rated highly for financial strength. Its website has a clean, transparent design that makes it easy to get a quote and find policy information.
Amica also sells auto, homeowners and other types of insurance, so it may be a good fit for people who want to buy all their policies in one place.
Where Amica falls short
If you’re looking for the flexible premiums that come with universal life insurance, you’ll need to shop elsewhere. Amica doesn’t have many life insurance riders either, so your ability to customize your policy may be limited.
Amica life insurance policies
Term life insurance. Amica’s Level Term policy provides coverage lasting 10, 15, 20, 25 or 30 years. The company issues term life insurance policies worth $100,000 to $5 million to people ages 18 to 75. You’ll need to fill out a health and lifestyle questionnaire, and some applicants might be able to skip the medical exam based on their answers and coverage amount. The policy can be converted to permanent life insurance before a deadline.
Whole life insurance. Amica’s whole life insurance policies offer coverage ranging from $25,000 to $50 million in increments of $1,000. You can opt to pay off your policy in 20 years, or spread your payments out until you reach age 65 or 100.
Amica life insurance riders
In many states, Amica includes an accelerated death benefit rider for no extra charge. The rider pays out part of your policy early if you’re diagnosed with a terminal illness.
» MORE: Compare life insurance quotes
Amica sample life insurance rates
Below are monthly rates for a 20-year, $500,000 term life insurance policy from Amica. These are sample rates for a nonsmoking man and woman in excellent health — the final quote you’re offered will depend on factors like your age, health, lifestyle, occupation and driving record.
Age | Monthly rate - man | Monthly rate - woman |
|---|---|---|
20 | $25.05 | $16.56 |
30 | $25.89 | $17.40 |
40 | $39.05 | $25.89 |
50 | $88.72 | $56.88 |
60 | $262.34 | $148.58 |
Source: Insurer’s site. Rates reflect the super preferred class and were generated on 10/30/25. | ||
Amica customer complaints and satisfaction
A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Over three years, Amica has drawn close to the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.
How Amica’s customer experience stacks up
Amica’s website makes it easy to learn about its life insurance policies. When you select “Life” from the Products dropdown menu at the top of the site, you’ll reach a page that explains basic information about life insurance and includes links to more details about Amica’s policies. The company provides more information on policy options than most other life insurers.
We called Amica and were connected with a live representative in the life insurance sales department within two minutes. She was able to answer basic questions about the company’s term life policies, and mentioned we could start an application over the phone. We gave Amica’s chat feature a try, too, but stopped the process when we were required to share our full name and address to connect with a representative.
Amica’s mobile app is available for Apple and Android. You can use it to view life insurance policy information, pay bills and start the beneficiary change process. The website also has useful self-service features. You can use it to get quotes, download forms and submit claims.
» MORE: Life insurance policies
What it’s like to apply for a policy with Amica
Depending on where you live, you may be able to apply for an Amica term life insurance policy online. To find out, enter your ZIP code on the Amica homepage. It’ll bring up a window showing the online quotes available to you.
We clicked on the life insurance option and were taken to a screen with questions about age, gender, tobacco use and health. Amica also asks how much life insurance you need and has a calculator feature to help you if needed.
Amica then gives you quotes for a few different term options. You can select one and click “Start My Application” to finish the process.
Screenshot captured by our editorial team on Oct. 30, 2025.
How Amica compares to other insurers
Amica | Banner | Ladder | |
|---|---|---|---|
Star rating | |||
Financial strength | Exceptional. | Exceptional. | Exceptional. |
NAIC complaints | Close to expected. | Fewer than expected. | Fewer than expected. |
Policy types offered | Term, permanent. | Term, permanent. | Term. |
Online experience | Can get a quote, buy a policy and file a claim online. | Can get a quote, change beneficiaries and file a claim online. | Can get a quote, buy a policy, change beneficiaries and file a claim online. |
Transparency on website | Excellent. | Average. | Average. |
Best for | |||
Read full reviews |
More about Amica
For beneficiaries, Amica offers access to Empathy, an app to help people navigate loss and grief.
Life insurance aside, Amica offers other types of coverage. Check out NerdWallet’s reviews to learn more:
How to contact Amica
Amica’s life insurance department can be reached by:
Phone: Call 800-234-5433 on weekdays from 8 a.m. to 7 p.m. ET.
Email: Fill out a form on Amica’s contact page.
Live chat: Available on weekdays from 6 a.m. to 10 p.m. ET and weekends from 7 a.m. to 8 p.m. ET.
How we rate the best life insurance companies
✅ 445 life insurers reviewed
📝 210 policies assessed
🔢 1,515 data points analyzed
📊 Star rating categories
When NerdWallet evaluates life insurance companies, our editorial team considers the insurer's strengths and weaknesses, as well as the things that matter most to customers buying a long-term financial product. We then weigh these factors carefully:
💰 Financial strength (35%). We use AM Best ratings to confirm an insurer’s financial stability and ability to pay claims far into the future. The top life insurance companies have an exceptional financial strength rating of A+ or A++ (Superior).
🗣️ Consumer complaints (35%). Our top-rated life insurance companies have fewer than the expected number of complaints to state regulators over a three-year period, according to the National Association of Insurance Commissioners — so you can expect a smoother customer experience.
☎️ Consumer experience (20%). Insurers who allow consumers to contact them by email, phone and live chat earn the highest scores. The same goes for insurers who support online quotes, beneficiary changes and claims.
👀 Transparency (10%). Our methodology gives higher scores to transparent insurers who clearly display information about their policy options, coverage amounts and term lengths (if applicable) on their site.
⭐ What our star ratings mean
Companies with 5 stars are exceptional, with strong financials, diverse policy lineups and great reputations for customer service.
Companies with 4.5 stars are excellent, with solid financials and policy offerings, and good customer service track records.
Companies with 4.0 stars are good, and potentially great for people looking for niche coverage options.
Companies with 3.5 stars or fewer could do better in certain categories, like financial strength and customer complaints.
NerdWallet does not receive compensation for our star ratings or our reviews. Read more about our life insurance ratings methodology and editorial guidelines.
