American Amicable vs. Haven Life: Best Choice for Life Insurance (2021)
In this American Amicable vs. Haven Life insurance company review, you'll see that Haven Life offers competitive pricing for term life insurance, but if you want protection that will last for more than just a few years, American Amicable offers a wider variety of insurance products. Compare American Amicable vs. Haven Life insurance quotes online for free today.
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UPDATED: Jul 27, 2021
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- When comparing American Amicable vs. Haven Life insurance rates, Haven Life has more competitive pricing for term life insurance
- American Amicable offers more products, like whole life insurance
- Before buying a policy, it’s best to examine what type of insurance best suits your needs
Trying to find the best life insurance for you and your family can be a bit tricky, especially with a match-up like American Amicable vs. Haven Life. There’s no need to worry, though. You’ll be able to find the information you need in this review.
Read on to learn about the major differences in coverage offered by American Amicable vs. Haven Life, as well as which company is more affordable, which will provide whole life insurance, and more.
Even better, you don’t have to wait to start researching life insurance companies. Enter your ZIP code to receive free life insurance quotes from nearby companies today.
What types of life insurance does each company offer?
If you were to work with Haven Life insurance, no medical exam, no questions, and no other steps would be required of you if you wanted to purchase a term life insurance policy with this company.
A no exam life insurance policy means that anyone can purchase a policy despite their medical history. If you want more information, you simply need to dial the Haven Life insurance phone number or reach out online for more details.
Bear in mind, Haven Life only offers term life insurance policies, and the National Association of Insurance Commissioners explains that term life insurance policies only provide coverage for a limited time and don’t accrue any cash value.
American Amicable, on the other hand, operates a bit differently. This company offers a wider range of life insurance products, including options like universal and whole life insurance. You can take a look at the differences of these policy types here:
|Details||Term life||Whole life||Universal life|
|Policy duration||Buyer's Choice||Permanent||Permanent|
|Cash value interest calculation||No cash account||Fixed interest rate, non-guaranteed dividends||Bond interest rates|
|Cash account value can decline||N/A||No||Yes, if rates are low and fees high|
|Flexible death benefits||No||No||Yes|
|Out of pocket cost||Least||Moderate||Most (Depending on Coverage Choices)|
Whole life insurance policies provide coverage for your whole life and can build up cash value which you can use while you’re alive. When picking a life insurance policy, it’s best to consider what you want the policy to accomplish before signing on any dotted line.
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Which company offers the most affordable coverage?
When comparing the products of American Amicable vs. Haven Life insurance, affordable life insurance is certainly easy to find.
When studying American Amicable vs. Haven Life life insurance quotes, Haven Life appears to offer the most affordable coverage for term policies.
|Non-Smokers' Ages||10-Year Term Life Insurance Monthly Rates with $100,000 Death Benefit||10-Year Term Life Insurance Monthly Rates with $250,000 Death Benefit||10-Year Term Life Insurance Monthly Rates with $500,000 Death Benefit||20-Year Term Life Insurance Monthly Rates with $100,000 Death Benefit||20-Year Term Life Insurance Monthly Rates with $250,000 Death Benefit||20-Year Term Life Insurance Monthly Rates with $500,000 Death Benefit|
Of course, with American Amicable you have your pick of policy types that can be utilized while you’re alive. See how American Amicable’s pricing compares to other major insurance companies that offer whole life insurance below.
|Companies||50-Year-Old Female||50-Year-Old Male||60-Year-Old Female||60-Year-Old Male||70-Year-Old Female||70-Year-Old Male||80-Year-Old Female||80-Year-Old Male|
|Liberty Bankers Life||$25.57||$30.51||$34.67||$45.80||$54.79||$73.31||$109.16||$146.80|
|Mutual of Omaha||$24.67||$29.16||$32.87||$42.76||$53.24||$73.70||$98.43||$132.65|
|Nassau Re Life||$26.63||$30.15||$36.46||$43.27||$55.26||$72.74||$110.24||$146.92|
|United Home Life||$26.06||$31.02||$35.42||$44.69||$73.28||$74.63||$141.58||$138.60|
How can I buy life insurance?
Buying life insurance is easy if you simply want a no exam term life policy, but one of the best things you can do to buy life insurance is conduct research to find out which company has the best policies to suit your needs.
You can read Haven Life insurance reviews or request free quotes online to see how American Amicable vs. Haven Life insurance quotes compare to each other before making your choice.
American Amicable vs. Haven Life: The Bottom Line
The American Amicable vs. Haven Life insurance company match-up certainly highlights that you first need to decide what type of life insurance you want before purchasing a policy.
If you want to get a life insurance policy right away without having to go through a medical exam, Haven Life may be the best choice for you; however, if you want protection that will last for more than just a few years, you may want to get whole life quotes from American Amicable.
Ready to start your search to find the best life insurance company for you? Enter your ZIP code right now to receive free life insurance quotes.