Amica Life Insurance Rating: Is It Worth It?

Amica Life Insurance is a good option for those seeking term or whole life insurance. Headquartered in Lincoln, Rhode Island, Amica has been in the insurance business since 1907 and offers policies nationwide, except in Hawaii. The company has a good reputation for customer satisfaction, with a 4.5-star rating from NerdWallet and an Excellent rating on Trustpilot. Amica also boasts an A+ (Superior) financial strength rating from AM Best, indicating its ability to pay future claims. However, it's important to note that Amica's life insurance lineup is limited, and the company does not offer guaranteed acceptance life insurance policies.

Amica's customer satisfaction ratings

Amica has received a range of customer satisfaction ratings from different organisations. WalletHub gives Amica an overall rating of 4.2/5, with a 3.7/5 rating from its editors and a 3.0/5 rating from its users. Amica's NAIC rating is 1.48, which means it has received more complaints than the average car insurance provider. However, Amica has fewer complaints than expected for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners. Amica also has an A+ rating from the Better Business Bureau.

Amica has consistently high customer service and claims satisfaction scores from J.D. Power, ranking highly for overall customer satisfaction in the J.D. Power 2023 U.S. Home Insurance Study and the 2024 U.S. Property Claims Satisfaction Study. It also secured the top spot in J.D. Power's U.S. Insurance Digital Experience Study for customer service. Forbes named Amica one of America's Best Insurance Companies of 2025, and Amica has won "Highest Customer Satisfaction Among National Homeowner Insurers" from J.D. Power for 17 years in a row.

Amica's customer reviews are mixed. Some customers praise Amica's customer service and quick claims handling, while others complain about a lack of communication and unexpected surcharges and delays in claims payments.

Amica's financial strength rating

In addition to AM Best's rating, other sources have also assessed Amica's financial strength. Bankrate, for example, gave Amica a score of 4.6 out of 5, noting that the company has consistently high customer service and claims satisfaction scores with J.D. Power. WalletHub's editors rated Amica 4.2 out of 5, taking into account customer reviews, sample insurance quotes, and ratings from organisations like J.D. Power. Forbes also named Amica one of America's Best Insurance Companies of 2025, further demonstrating its strong financial position.

Amica's financial strength is also reflected in its customer satisfaction ratings. The company has received numerous awards for its customer service, including "Highest Customer Satisfaction Among National Homeowner Insurers" from J.D. Power for 17 years in a row. Amica also ranked highly in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, demonstrating its ability to handle customer claims effectively.

Overall, Amica's financial strength rating of A+ from AM Best, coupled with its high customer satisfaction scores and awards, indicates that the company is in a strong financial position and is likely to be able to meet its financial obligations and pay future claims.

Amica's life insurance riders

Amica Life Insurance offers a range of riders that can be added to their life insurance policies to provide additional coverage and benefits. Here is a list of the riders available:

Terminal Illness Rider

This rider pays out a portion of the death benefit to the policyholder if they are diagnosed with a terminal illness. This rider is built into Amica's life insurance policies and is available in many states at no extra charge.

Waiver of Premium

This rider waives insurance premiums if the policyholder becomes disabled.

Children's Insurance

This rider provides life insurance coverage for the policyholder's children and can be converted to a permanent policy.

Accidental Death Benefit

This rider provides an additional benefit if the insured's death is due to an accident.

Amica's life insurance policies are designed to be flexible and customizable to meet the unique needs of their customers. The company has strong customer service and financial strength ratings, but it should be noted that there is a limited number of riders available to customize coverage.

Amica's sample life insurance rates

Amica's life insurance rates depend on a variety of factors, including age, health, lifestyle, occupation, and driving record. Here are some sample rates for a 20-year, $500,000 term life insurance policy for non-smoking men and women in excellent health:

Monthly Rates for Women:

| Age | Super Preferred | Preferred | Standard |

|---|---|---|---|

| 25 | $16.20 | $17.20 | $18.30 |

| 35 | $17.40 | $18.50 | $19.70 |

| 45 | $25.40 | $27.00 | $28.80 |

| 55 | $55.20 | $59.10 | $63.10 |

| 65 | $137.10 | $146.70 | $157.10 |

Monthly Rates for Men:

| Age | Super Preferred | Preferred | Standard |

|---|---|---|---|

| 25 | $17.70 | $18.80 | $20.00 |

| 35 | $19.20 | $20.40 | $21.70 |

| 45 | $28.20 | $29.90 | $31.90 |

| 55 | $61.50 | $65.70 | $70.10 |

| 65 | $156.60 | $167.40 | $179.40 |

These rates are subject to change and are provided only as a reference. The final quote offered by Amica will depend on individual circumstances and may vary.

Amica's customer complaints and satisfaction

Amica has a good reputation with customers and has earned high ratings for customer satisfaction from J.D. Power and Forbes. However, there are some customer complaints about the company's service.

Amica has consistently scored below the average in the National Association of Insurance Commissioners (NAIC) Complaint Index, indicating fewer complaints than expected for a company of its size. The company has also received high ratings for customer satisfaction from J.D. Power, including the "Highest Customer Satisfaction Among National Homeowner Insurers" award for 17 years in a row. Forbes also named Amica one of America's Best Insurance Companies of 2025.

Despite these accolades, some customers have expressed dissatisfaction with Amica's service, particularly regarding claims handling. For example, some customers have reported delays, a lack of professionalism, and unexpected surcharges and delays in claims payments. There have also been complaints about a lack of communication from the claims department.

Overall, while Amica has received recognition for its customer satisfaction, there are still some areas where customers have expressed dissatisfaction, particularly regarding claims handling and communication.

Frequently asked questions