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Life Insurance


Child and grandparents

Looking for affordable life insurance to meet your needs? That’s Life with Amica.

Life insurance can seem expensive and complicated - but it doesn't need to be. Whether you're trying to determine your need for the first time or adding to existing coverage, we'll get to know you and your unique situation. We'll explain your options in clear, simple language, recommend which product best meets your needs and budget, and help you to give your family the financial protection they deserve.

Competitive rates that meet your budget

With some of the most affordable monthly level term1 life insurance rates in the industry we make it easy to find great financial protection that fits your budget. Plus, you'll be eligible for a discount on your Amica auto insurance2 with a life insurance policy from Amica Life.

Age Female Male
25 $11.88 $13.54
30 $11.88 $13.96
35 $12.92 $14.17
40 $17.29 $21.25
45 $23.54 $29.38
50 $32.08 $42.50
55 $50.63 $67.08
60 $93.96 $105.42

$250,000 coverage, 20-yr. Level Term1 sample rates (Premier Select class rates)3. Other face amounts and term periods available.

Simple options that meet your unique needs

Whether you're providing for a young family or planning for retirement, we offer many options to best meet your unique needs, including:

Coverage Amounts Term Periods
Level Term1 $100,000 to $1,000,000+ 10, 15, 20, 25, 30
Simplified Issue Level Term $50,000 to $200,000 10, 15 and 20
Whole Life5 $25,000+ n/a
Simplified Issue $5,000 to $25,000 n/a
Annual Renewable $250,000 to 1,000,000+ 1 year

Service that you've come to expect and deserve

For more than a century, Amica has built our business by providing consistent, high-quality customer service. When you work with Amica Life, it's like having your own personal life insurance advisor who will come to understand your needs and only recommend what's best for you. It's just you and Amica, with nobody in between.

Financial strength you can depend on

Ward's 50 logoAmica Life has been named a Ward’s 50 top life-health insurance company for safety, consistency and superior performance seven times (2006, 2008, 2009, 2010, 2011, 2012, 2013).

A.M. Best logoWe have also received an A+ (Superior) rating from A.M. Best8, the nation's authority on insurance company financial stability. A+ is the second highest rating of fifteen.


* LIMRA’s Facts About Life 2013 Study.

1 Not all plans are available in all durations and at all ages. Some features may not be available in all states. Standard form numbers ICC11 FGCLT02-01 and ICC11 CLT02-01 in most states.

2 Not available in all states.

3 Sample monthly premiums for $250,000 20-year term life insurance for a male and female ages 25 to 60 years old. Rates are Premier Select rates and are guaranteed to remain level for the 20-year period. Amica monthly rates only available via EFT. Actual premiums can only be determined by a full underwriting process, including some medical testing at our expense.

4 Standard form numbers ICC10 SILT01-01 or SILT01-01 in most states.

5 Standard form number WL2006-01 in most states

6 Standard form numbers ICC11 SIWL01-01 or SIWL01-02 in most states.

7 Standard form numbers ART01-01 (09/2009) and ICC09 ART01-01 in most states

8 A.M. Best Company. Jan. 8, 2014. For the latest rating, access ambest.com​.

Click here​ to access policy form numbers.