Getting married
Entering marriage introduces new responsibilities. Make sure they protect their future.
Life insurance you can count on
Build a life insurance policy that will cover the world you care about.
A policy for peace of mind
At Amica, life insurance is about providing security for your family and their world.
What’s the difference between term and whole life insurance?
Two types of policies. Many reasons to find the right one.
| Term life insurance | Whole life insurance |
|---|---|
| Affordable coverage for a set period of time | Lifetime protection with a cash value that builds |
| Typically set for 10, 15, 20, 25 or 30 years | Cash value can be borrowed against |
| Guaranteed rate for the set term period | Permanent coverage that doesn't decrease as you age |
| May be convertible during a certain time period | Guaranteed premium that won't increase |
| Best for covering loss of income during working years | Best for protection during your entire life and coverage for final expenses |
What goes into my rate?
There are many factors that contribute to your unique life insurance rate.
Your health
We ask about your family history, illnesses and current conditions.
Your sex
Women tend to live longer than men, which usually results in lower premiums.
Your habits
Day-to-day habits like smoking or skydiving for fun have risks to your health – and your rate.
How much coverage is enough?
Calculating the cost of preserving your lifestyle can be hard. We’ve got you covered with our coverage calculator.
Life insurance FAQs
Possibly. Some applicants may qualify for affordable life insurance options with no medical exam, depending on the coverage amount and underwriting criteria.
Ask how much coverage you need, whether term or whole life fits better, what exclusions apply, whether a medical exam is required, what the premiums are and how financially strong the insurer appears to be.
Not always. While many people choose one policy type, others layer coverage by using term life for larger temporary needs and whole life for permanent protection.
A common starting point is to look at income replacement, debts, dependents, future goals and existing savings or coverage. The right amount depends on your situation.
Age, overall health and tobacco use are often some of the biggest factors, but the amount of coverage and whether you choose term or whole life also matter.
There’s more to learn about life insurance
Pros and Cons of Annuities
What Is a Deferred Annuity?
Ready for a Retirement Lifestyle? These Steps Can Help You Prepare
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You can try our resource center for more information.
*Based on internal Amica data on representative tenure (Jan. 2024 - Nov. 2025) compared to publicly available industry averages. Individual experience may vary and this statement is not a guarantee of any specific customer outcome or service experience.
**As of Dec. 31, 2025, for Amica auto and home policyholders.*
***A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer's financial strength.