Life Insurance

Extended family of parents with young daughter and grandparents outside

We have many coverage options to fit your unique needs.

Many people find their needs fall into one of two coverage types: term life insurance or whole life insurance.

Term insurance may be right for you if you need help protecting your income for a specific period of time. It will also help your family cover ongoing expenses and retain their standard of living if you're not there.

If you're looking to help protect your family for your entire life, whole life insurance may be the better coverage for you. Whole life will help to ensure your family is not burdened by final expenses or medical bills if you're not there.

Choosing the right type of life insurance doesn't have to be confusing. Our representatives are here to help you understand the differences between these two coverage options, and the advantages of each one. To find out whether term life or whole life is best for you, read the charts below.

Advantages of Term Life

  • You pay for the coverage you need for the period of time you need it
  • Rate and coverage amount stay the same througout the selected period of time
  • Lower current cost than whole life, but does not provide lifetime coverage
  • Generally convertible to whole life, which provides lifetime coverage
  • If you qualify, you can get this valuable term life protection with no medical exam.1
Term Life
  Coverage Amounts Term Periods
Level term​2 $100,000 to $1,000,000+ 10, 15, 20, 25, 30 years
Annual renewable term3 $250,000 to $1,000,000+ 1 year

With recently reduced term life insurance rates4 and discounts for coverage amounts of $250,000 or more, we make it easy to find great financial protection that fits your budget.

Learn more about term life insurance.


Advantages of Whole Life

  • Provides lifetime coverage
  • Premium rates are fully guaranteed and will not increase over time
  • Cash value accumulates over the life of the policy
  • Coverage amount will not decrease as you get older and is guaranteed for your lifetime
Whole Life
  Coverage Amounts Term Periods
Whole life5 $25,000+ Term periods for all whole life insurance policies last the lifetime of the insured.
Simplified issue whole life6 $5,000 to $25,000

Learn more about whole life insurance.


See how affordable life insurance can be with Amica Life's new lower rates4.


First-time buyer? Learn more about life insurance.

How much life insurance do you need? Use our calculator to determine the ideal coverage.



1 No medical exam will be required if you meet specific underwriting criteria based on the amount applied for, the responses provided in the simplified 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, if we deem it necessary to have such additional information as part of our full underwriting process.

2 Standard form numbers ICC11 FGCLT02-01 and ICC11 CLT02-01 in most states.

3 Standard form numbers ART02-01 (09/2009) and ICC09 ART01-01 in most states.

4 Rate reductions apply to select coverage and rate classes.

5 Standard form number WL2006-01 in most states.

6 Standard form numbers ICC13 FEWL01-01, ICC13 FEWL01-01 (Graded), and ICC13 FEWL01-01 (ROP) in most states.