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: Aug 23, 2021

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The Facts of Life

  • American Amicable offers more affordable rates to men and women of various ages than Liberty Mutual
  • Liberty Mutual holds a higher rating from A.M. Best than American Amicable
  • The Better Business Bureau gave Liberty Mutual and American Amicable an identical rating

Part of what makes comparing life insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on American Amicable vs. Liberty Mutual life insurance today.

Our Liberty Mutual and American Amicable life insurance review will cover the term life insurance rates offered to men and women of various ages. Also reviewed will be the ratings provided by A.M. Best and the BBB.

Before we dive into our American Amicable vs. Liberty Mutual life insurance comparison, type your ZIP code into our free and helpful tool above to find the most affordable life insurance quotes in your area.

American Amicable vs. Liberty Mutual: Which company offers more affordable life insurance rates for men?

The simplest place to start when comparing two companies is offered pricing. Let’s take a look at a table that compares American Amicable vs. Liberty Mutual term life insurance rates for men.

American Amicable vs. Others: Male Rates
CompanyAge 30 Sample Monthly RatesAge 40 Sample Monthly RatesAge 50 Sample Monthly RatesAge 60 Sample Monthly Rates
American Amicable$20.48$27.68$51.08$128.93
Foresters$21.00$31.50$79.19$223.56
John Hancock$14.09$16.96$28.41$68.14
Liberty Mutual$33.75$55.13$144.68$399.83
Lincoln$12.34$15.22$30.96$71.95
MassMutual$13.28$16.98$35.03$82.65
Mutual of Omaha$13.33$19.35$33.33$80.84
Nationwide$16.02$21.36$53.85$180.23
North American$12.98$16.50$31.90$77.44
Securian Financial$8.81$11.04$22.17N/A
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How easy is it to find affordable American Amicable vs. Liberty Mutual insurance quotes? As you can see, Liberty Mutual is over $13 more expensive per month than American Amicable.

Is Liberty Mutual more expensive for men in their 40s as well? Yes, Liberty Mutual is nearly $28 more expensive per month. For men in their 50s, American Amicable is $93 cheaper per month.

Lastly, for men in their 60s, Liberty Mutual is a staggering $271 more per month than American Amicable for a term life insurance policy.

In short, our American Amicable vs. Liberty Mutual life insurance review has shown us that American Amicable is substantially cheaper for men of various ages.

American Amicable Term Life Insurance Policy Specifications

Since we know that American Amicable is the cheaper company for men on average, let’s take a closer look at American Amicable’s Term Made Simple coverage, which does not require a medical exam for approval.

American Amicable Term Made Simple
American Amicable Term Made Simple
A.M. Best Rating:A = (Excellent)
Issue Ages:18 - 75
Coverage Options:Term Life Insurance
Death Benefit Amounts:Ages 18 - 75: $50,000 - $400,000
Health Classes:Preferred & Standard
Application Type:Paper
Telephone Interview:Yes
Exam Potential:None
Underwriting:Telephone Interview, MIB, MVR, Prescription
Fastest Approval Time:3 - 14 Days
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It’s important to know your specific life insurance needs prior to choosing not only a company but also the right life insurance policy. No two companies offer the exact same product line.

Now that we have some more details about American Amicable’s coverage, let’s see if it can hold its lead in the next section where we analyze the rates offered to women of various ages.

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American Amicable vs. Liberty Mutual: Which company offers more affordable life insurance rates for women?

Let’s now take a look at a table comparing American Amicable vs. Liberty Mutual monthly term life insurance rates for women.

American Amicable vs. Others: Female Rates
CompanyAge 30 Sample Monthly RatesAge 40 Sample Monthly RatesAge 50 Sample Monthly RatesAge 60 Sample Monthly Rates
American Amicable$16.88$22.50$37.80$88.88
Foresters $18.81$27.13$57.75X
John Hancock$12.39$14.86$23.86$50.94
Liberty Mutual$25.20$42.53$107.78$250.65
Lincoln$16.10$21.22$37.41$74.81
MassMutual$11.98$15.23$29.15$58.73
Mutual of Omaha$11.61$16.56$27.31$57.19
Nationwide$16.02$21.36$53.85$180.23
North American$11.66$14.96$26.62$54.34
Securian Financial$8.21$9.83$17.31N/A
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Is American Amicable more affordable for women of various ages as well? Women in their 30s will be paying $8 less per month with American Amicable.

For women in their 40s, American Amicable is $20 cheaper per month. Women in their 50s, however, pay nearly $70 more per month with Liberty Mutual.

Lastly, women in their 60s will be paying nearly $162 more per month with Liberty Mutual for term life insurance.

Now we know that American Amicable is the cheaper company across the board, let’s wrap up with Liberty Mutual and American Amicable life insurance reviews.

Free Life Insurance Comparison

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American Amicable vs. Liberty Mutual: Which company is more well-reviewed?

Let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

Let’s take a look at a table that compares the ratings given to major life insurance companies by A.M. Best.

A.M. Best ratings
Life Insurance CompanyA.M. Best Rating
Accordia LifeA-
AIGA
American AmicableA-
ANICOA
AssurityA-
Banner LifeA+
Cincinnati LifeA
FidelityA-
ForestersA
Gerber LifeA
John HancockA+
Lincoln FinancialA+
MetLifeA+
Midland NationalA+
Minnesota LifeA+
Mutual of OmahaA+
NationwideA+
North American CoA+
Pacific LifeA+
PrincipalA+
ProtectiveA+
PrudentialA+
SagicorA-
SBLIA+
SymetraA
TransamericaA+
VOYAA
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American Amicable received a rating of “A-” (Excellent), which is the second-highest rating tier.

What rating did A.M. Best give to Liberty Mutual? Liberty Mutual received a rating one notch higher of “A.”

The Better Business Bureau is another organization that can provide security in one’s choice of insurance provider.

American Amicable received the Better Business Bureau’s highest possible rating of “A+.” Furthermore, American Amicable holds BBB accreditation.

How did Liberty Mutual Life Insurance company reviews from the BBB fare in comparison? Liberty Mutual received the same rating: “A+.” Furthermore, Liberty Mutual also holds BBB accreditation.

In conclusion, American Amicable offers more affordable rates to men and women of various ages while Liberty Mutual holds a higher A.M. Best rating.

We hope you’ve learned all you needed to decide whether to buy American Amicable vs. Liberty Mutual life insurance. Type your ZIP code into our free and helpful tool below to find affordable quotes in your area.

Frequently Asked Questions: American Amicable vs. Liberty Mutual Life Insurance

What follows are a few questions that are commonly asked about these two companies.

#1 – What is the American Amicable customer service number?

You can reach American Amicable customer service at 1-800-736-7311.

#2 – How do I cancel a policy with Liberty Mutual?

If you are with Liberty Mutual, cancel your policy by calling 1-800-290-8711.

#3 – What is the Liberty Mutual insurance address?

The address is 100 Liberty Way. Dover, NH 03821-7500.