Join over 100,000 families that have trusted Amica Life to protect their loved ones’ financial future today. We make it quick and easy to get a free quote and apply online.
Prepare for tomorrow, today.
Get the right life insurance coverage at an affordable rate with Amica.
While the future may be uncertain, you have the power to prepare your loved ones for whatever it holds.
10-, 15-, 20- and 30-year term life coverage up to $1 million2
No medical exam if you qualify3
Dedicated life sales representatives to help guide you through the process
Answers for your questions along the way
Your family will thank you.
Secure their home.
Your family will thank you.
Secure their education.
Your family will thank you.
Secure their future.
Amica has your back — and treats you like family along the way.
Recognized for financial stability
Rated A+ by AM Best,4 a leading authority on insurance company financial stability, for our ability to pay claims.
50+ years of service
Amica Life has provided financial protection to over 100,000 families since 1969.
A company built on trust
Protecting the important parts of our customers’ lives is a responsibility we take seriously.
Here's what people are saying about Amica.
“Purchasing life insurance through Amica was a wonderful experience. The associates were very professional, courteous and helpful. I would highly recommend Amica to others. Well done!”Jeremy O.
“Very satisfied with the entire process. I love Amica!”Amanda C.
“It went very well. The premium I pay is actually lower than what was quoted to me because of the good medical review and blood work. I was very pleased with that.”Thomas M.
Amica makes it simple to buy term life insurance. Just follow these four steps:
Get a quote
Complete your application
Begin the application process online (it’s simple and straightforward), or if you prefer to do it over the phone, you can call to speak to one of our knowledgeable life sales representatives.5 After the application is finished we’ll conduct a brief, confidential medical interview.3
Take a medical exam (if needed)
If a medical exam is required this quick, less than 30-minute appointment can take place at your home or office. Plus, a medical exam may secure you a lower premium.3
Sit back and relax
Our team will take it from here to finalize your policy and confirm your premium. Once approved, you can enjoy the peace of mind that comes with financially protecting your loved one’s future.
Let’s get you started.
You asked, we answered.
How does life insurance work?
Life insurance helps provide critical funds to your loved ones after you die. After paying an annual premium to your insurance company during your life, your insurance company will pay a lump sum to your beneficiary — the person you select to receive this money — after your death. How much money you’d like to leave, and who will receive it after your passing, is entirely up to you. Amica’s representatives work with you to make getting a policy as smooth as possible and work closely with you to obtain the best policy for your family.
What’s the difference between term and whole life insurance?
Term life insurance provides coverage for a specific term or amount of time — typically 10, 15, 20, 25 or 30 years. This can help cover short-term needs, like a mortgage or income replacement for those you leave behind. The term and coverage amount can be aligned with your financial priorities, like raising a child to age 21 or paying off a mortgage, though your coverage and premium remain level for the length of the term.
Whole life insurance is permanent coverage. The policy provides a specific dollar amount to your beneficiary after you pass and lasts your entire life, as long as premiums are paid. Whole life insurance also builds cash value that can be borrowed against, withdrawn or used to pay for future premiums. Coverage amount and premiums stay the same as you age.
How much coverage do I need?
No two situations are the same and everyone’s needs and conditions are different. Your coverage amount will differ based on what’s going on in your life — if you have children, own a home, etc. Amica’s knowledgeable representatives will work with you to learn what’s important to you and your situation, and to help ensure you have the coverage you’ll need.
Will I need a medical exam?
Amica offers some policies that may not require a medical exam in certain circumstances; however, we reserve the right to request a medical exam, if needed. Amica makes the medical exam as convenient and quick as possible. A licensed practitioner would come to your home, or office, or location of your choosing at a time that is convenient to you, note information like your height, weight and blood pressure, and also collect blood and urine samples. The medical exam is at no cost to the insured.
What should I consider when shopping for life insurance?
Compared to other types of insurance, buying life insurance is unique in that it makes payments to beneficiaries, not the policyholder. After all, you’re purchasing something that will help protect the financial well-being of your loved ones after you’re gone.
Ultimately, all a policyholder wants from life insurance is for it to pay out exactly how they intended: at the amount they set, to their chosen beneficiaries, as quickly as possible after they pass. But beyond the reassurance of credentials like an A+ (Superior) rating from AM Best,2 life insurance customers want to be assured that their beneficiaries will be treated with care and compassion after they pass. And with a track record of expertise, personalized customer care and dedication to serving our members, Amica does just that.
I have coverage through my employer. Do I need additional life insurance?
Life insurance benefits from your company can be an excellent perk, but they shouldn’t be relied on entirely. Most employer coverage is capped - often to one or two times your income. These employer-covered life insurance benefits may not be enough to replace lost income. Also, if you leave your job, the employer-provided benefit usually terminates. Having additional (and adequate) coverage is often the only true way to ensure your family stays financially protected after your passing. So it’s important to consider a separate policy that covers you over and above the death benefit in your employer’s policy.
Amica life insurance representatives are here for you.
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Life Insurance Policy issued by Amica Life Insurance Company.
1 The actual premiums can only be determined by a full application and underwriting process, including some medical testing at our expense. Premiums can be paid on an annual, semi-annual, quarterly or monthly basis. Monthly premium rates are available via EFT (electronic funds transfer). Not all plans are available in all durations and at all ages. Some features may not be available in all states. Standard form number ICC15 FGCLT01-01 in most states.
2 A 30-year term is limited to insureds under age 51, a 25-year term is limited to insureds under age 60 and a 20-year terms is limited to insureds under age 66.
3 No medical exam will be required if you meet specific underwriting criteria based on the amount applied for, the responses provided in the application process and the results of our underwriting review. However, we reserve the right to require a medical exam, possibly with blood and/or urine testing at our expense.
4 AM Best Company. Feb. 3, 2021. A+ is the second highest of 15 possible ratings. For the latest rating, access ambest.com.
5 Online quoting and application not available in all states.