American-Amicable Life Insurance Company of Texas is a Waco, Texas-based life insurer with roots dating to 1910. Since 2010, American-Amicable has been a subsidiary of iA Financial Group (Industrial Alliance Insurance and Financial Services, Inc.) — one of Canada’s largest insurance and wealth management companies with over $200 billion in assets under management. American-Amicable specializes in simplified issue and no-exam life insurance products, making them a strong option for seniors, individuals with health challenges, and those who want fast approvals without a medical exam.
AM Best Rating: A (Excellent)
American-Amicable carries an A (Excellent) rating from AM Best, reflecting solid financial strength backed by parent company iA Financial Group. The company has maintained this rating consistently and also holds an A+ from the Better Business Bureau.
Simplified Issue Specialty
American-Amicable specializes in simplified and no-exam underwriting. Their products are accessible to applicants up to age 85, including those with health conditions, smokers, and individuals who may not qualify for traditionally underwritten policies.
Term Life Insurance
Term Made Simple and Easy Term products are available in 10, 20, and 30-year durations. No medical exam required. Coverage from $25,000 up to several hundred thousand dollars with fast approvals. Return of premium option available on 20 and 30-year terms.
Final Expense / Whole Life
Golden Solution and Senior Choice whole life products are designed for seniors ages 50–85 seeking final expense coverage. Benefits from $2,500 to $50,000. No medical exam — simplified issue with immediate, graded, and return of premium benefit options.
Universal Life Insurance
Simple Universal Life (no-exam, up to $300,000) and a fully underwritten UL with no defined maximum. Both include no-lapse guarantees. Flexible premium structure with cash value accumulation.
Best For
Seniors ages 50–85 seeking final expense coverage; individuals with health conditions or tobacco use who want simplified underwriting; buyers wanting no-exam coverage with fast approvals and modest benefit amounts.
Get an American-Amicable Life Insurance Quote
Call us at 1-888-972-0024 or contact us to get a personalized quote. We compare rates across all major carriers at no cost to you.