Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Sep 24, 2021

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The Facts of Life

  • Fidelity Life has lower rates than American Amicable
  • Fidelity Life has more term life policy options than American Amicable
  • American Amicable has more permanent life policies than Fidelity Life
  • American Amicable and Fidelity Life have been rated the same by A.M. Best

American Amicable and Fidelity Life offer various permanent and term life insurance options. Fidelity Life is cheaper than American Amicable, but both have been rated the same by A.M. Best. Comparing American Amicable vs. Fidelity Life insurance will help you find the best coverage.

Before starting this American Amicable vs. Fidelity Life comparison, enter your ZIP code above to find free life insurance quotes in your area.

American Amicable vs. Fidelity Life: Which company is cheaper?

Comparing affordable American Amicable vs. Fidelity Life insurance rates will help you find the most cost-effective option. The following charts show the average monthly rates for an American Amicable and Fidelity Life 10-year term at $250,000 based on age and gender.

These are the life insurance rates for men:

American Amicable vs. Fidelity Life: 10-Year Term $250,000 Policy Monthly Rates by Age for Males
AgeAmerican Amicable Average Monthly RatesFidelity Life Average Monthly Rates
30$13.05$10.53
40$15.48$11.31
50$24.30$19.84
60$56.25$42.72
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The following chart shows the same information for women:

American Amicable vs. Fidelity Life: 10-Year Term $250,000 Policy Monthly Rates by Age for Females
AgeAmerican Amicable Average Monthly RatesFidelity Life Average Monthly Rates
30$11.61$9.57
40$13.68$10.88
50$19.62$17.49
60$40.50$30.80
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As you can see, Fidelity Life offers cheaper life insurance rates than American Amicable. Life insurance is also cheaper for women than men, but rates increase as policyholders age regardless of gender.

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American Amicable vs. Fidelity Life: Which company has more policy options?

Examining American Amicable vs. Fidelity Life insurance company policies will help you find the option that best fits you. While Fidelity Life has more term life options, American Amicable has more permanent life plans.

American Amicable offers term life insurance in 10, 15, 20, 25, and 30-year terms. Policies are available for customers between 18 and 95 years of age, with coverage ranging from $50,000 to $400,000.

The company has two term life plans. Express Term is a simplified option, allowing applicants to avoid a medical exam and receive quick acceptance. The group plan is available for people 65 years and older who are government employees or first responders.

American Amicable provides two types of permanent life insurance. Whole life insurance features fixed rates while universal life insurance has flexible rates.

The company offers two universal life plans. The non-medical policy doesn’t require an exam, and fully underwritten policies provide more coverage options.

Fidelity Life has three different term life plans. Two of the policies are for younger customers, while the senior plan is for older policyholders. All three policies offer coverage in 10 to 30-year terms.

RAPIDecision Life is the most basic plan, providing coverage up to $1 million. The RAPIDecision Express plan is a simplified option with a maximum value of $100,000 and no medical exam. The senior life plan offers coverage up to $150,000.

Fidelity Life doesn’t provide universal life policies but does offer whole life insurance. These long-term plans are available for customers between 50 and 85 years of age with coverage ranging from $10,000 to $150,000. Medical exams are not required and rates are guaranteed.

In addition to these policies, both companies offer final expense insurance. Available to customers over the age of 50, these policies pay for funeral and burial expenses.

American Amicable vs. Fidelity Life: Which company offers more riders?

Life insurance companies provide options that customers can add to an existing policy. These options are known as riders and allow customers to customize their insurance policy. American Amicable and Fidelity Life offer multiple riders to customers.

The most common rider is the accelerated death benefit rider, allowing policyholders to access their death benefit early if they suffer from a critical, chronic, or terminal illness. American Amicable and Fidelity Life provide this rider free of charge with their permanent life policies.

In addition to the accelerated death benefit rider, the companies offer optional riders that you can add for an additional fee.

Optional riders provided by American Amicable include:

  • Total disability
  • Waiver of premium for unemployment
  • Waiver of premium for disability
  • Children’s insurance
  • Accidental death benefit
  • Grandchild insurance
  • Nursing home waiver of premium
  • Children’s insurance agreement
  • Family insurance agreement

Optional riders provided by Fidelity Life include:

  • Child life insurance
  • Accidental death
  • Return of premium

American Amicable offers more riders than Fidelity Life, providing more ways to customize a policy to meet your needs. Adding riders to your policy will increase your American Amicable or Fidelity Life insurance quotes.

American Amicable vs. Fidelity Life: Which company has better financial ratings?

Credit rating agencies regularly review and grade life insurance companies based on financial strength. These ratings determine the likelihood that the company will provide a payout when you file a claim.

American Amicable has been rated an A by A.M. Best. This rating is solid and indicates that the company will provide a payout in most situations.

The Fidelity Life Insurance Company has been rated an A by A.M. Best and S&P and a Baa1 by Moody’s. While none of these ratings are at the top of the scale, they indicate that Fidelity Life should be financially capable of providing a payout when customers file a claim.

While Fidelity Life has been rated by several credit rating agencies, American Amicable has only been rated by A.M. Best due to its small size.

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American Amicable vs. Fidelity Life: Which company has more complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) examine life insurance company complaints. The two organizations have completed Fidelity Life and American Amicable reviews.

At the time of this comparison, the BBB has received 16 complaints about American Amicable over the past three years. American Amicable has an NAIC complaint index ratio of 2.66, indicating more than double the complaints about similarly-sized companies.

The BBB has received 29 complaints about Fidelity Life during the past three years. According to the NAIC, Fidelity Life has a complaint index ratio of 2.84, indicating more than double the complaints made about competitors of a similar size.

American Amicable vs. Fidelity Life: How can you buy coverage?

Customers looking to buy American Amicable or Fidelity Life insurance can obtain quotes online or through an agent. The phone number for American Amicable is 1-800-736-7311, and the Fidelity Life Insurance number is 1-800-343-3548.

American Amicable vs. Fidelity Life Insurance: The Bottom Line

The choice between American Amicable and Fidelity Life depends on what’s most important to you. While Fidelity Life has lower rates and more term life options, American Amicable provides more permanent life plans.

Comparing American Amicable vs. Fidelity Life will allow you to determine the best option.

Now that you’ve compared American Amicable vs. Fidelity Life insurance options, enter your ZIP code below to get free life insurance rates from providers in your area.