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: Jul 27, 2021

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The Facts of Life

  • 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:

Compare Term vs. Whole vs. Universal Life Insurance Policies
DetailsTerm lifeWhole lifeUniversal life
Policy durationBuyer's ChoicePermanentPermanent
Cash value interest calculationNo cash accountFixed interest rate, non-guaranteed dividendsBond interest rates
Flexible premiumsNoNoYes
Cash account value can declineN/ANoYes, if rates are low and fees high
Flexible death benefitsNoNoYes
Out of pocket costLeastModerateMost (Depending on Coverage Choices)
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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.

Average Monthly Haven Life Insurance Rates for Non-Smokers by Age, Coverage Amount, and Term
Non-Smokers' Ages10-Year Term Life Insurance Monthly Rates with $100,000 Death Benefit10-Year Term Life Insurance Monthly Rates with $250,000 Death Benefit10-Year Term Life Insurance Monthly Rates with $500,000 Death Benefit20-Year Term Life Insurance Monthly Rates with $100,000 Death Benefit20-Year Term Life Insurance Monthly Rates with $250,000 Death Benefit20-Year Term Life Insurance Monthly Rates with $500,000 Death Benefit
25$8$10$13$9$13$18
30$8$10$13$9$13$19
35$8$10$13$9$14$20
40$10$13$18$11$18$28
45$11$17$27$15$27$44
50$15$24$39$21$39$68
55$20$36$62$31$60$107
60$31$57$100$52$101$182
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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.

Whole Life Average Monthly Life Insurance Rates by Age and Gender
Companies50-Year-Old Female50-Year-Old Male60-Year-Old Female60-Year-Old Male70-Year-Old Female70-Year-Old Male80-Year-Old Female80-Year-Old Male
American-Amicable$25.96$30.80$37.22$45.76$58.70$76.57$110.44$151.36
Americo$24.56$32.06$33.93$43.68$53.43$72.93$112.77$145.65
Assurity$25.48$28.82$34.74$41.65$56.41$73.05$113.89$155.57
Foresters$26.05$32.00$35.41$45.19$83.41$72.91$111.08$216.09
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
Settlers$26.01$31.45$36.38$45.31$55.76$72.85$113.48$153.80
Transamerica$25.32$30.73$33.72$43.85$71.59$74.66$104.11$140.22
United Home Life$26.06$31.02$35.42$44.69$73.28$74.63$141.58$138.60
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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.