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

  • MassMutual offers more affordable rates to men of various ages
  • MassMutual offers more affordable rates to women of various ages
  • A.M. Best gave a higher rating to MassMutual

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. MassMutual life insurance today.

Our MassMutual 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. MassMutual 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. MassMutual: Which company offers more affordable life insurance rates to 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. MassMutual term life insurance rates for men on a monthly basis.

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. MassMutual life insurance quotes? For men in their 30s, MassMutual is over $7 cheaper per month.

Men in their 40s will be paying over $10 more per month with American Amicable. How about men in their 50s? These men will be paying $16 more per month with American Amicable.

Lastly, for men in their 60s, a term life insurance policy with MassMutual is over $46 cheaper per month than American Amicable.

In short, our American Amicable vs. MassMutual life insurance review has shown us that MassMutual offers consistently more affordable rates to men. Let’s see if this holds true when we analyze the rates offered to women.

Term Life Insurance Policy Specifications

In case you are still considering getting coverage from American Amicable, let’s take a closer look at American Amicable’s Term Made Simple coverage. This policy 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 is very much worth being aware of your specific needs prior to choosing not only a company, but a company’s specific coverage form. 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, when we analyze the rates offered to women of various ages.

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American Amicable vs. MassMutual: Which company offers more affordable rates to women?

Let’s now take a look at a table comparing American Amicable vs. MassMutual 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 MassMutual more affordable for women of various ages as well? Women in their 30s will be paying nearly $5 more per month with American Amicable.

Women in their 40s pay even more, as American Amicable is over $7 more expensive per month than MassMutual.

How about women in their 50s? These women pay over $8 more per month with American Amicable while women in their 60s pay over $30 more per month.

In short, MassMutual offers more affordable term life insurance rates across the board. Let’s wrap up with MassMutual and American Amicable life insurance reviews.

Free Life Insurance Comparison

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American Amicable vs. MassMutual: 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 MassMutual? MassMutual received A.M. Best’s highest rating of “A++” (Superior).

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 MassMutual’s BBB review fare in comparison? It received a much lower rating of “B-” and also lacks BBB accreditation.

In conclusion, MassMutual offers cheaper rates to men and women and also holds a higher rating from A.M. Best.

We hope you’ve learned all you needed to decide whether to buy American Amicable vs. MassMutual 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. MassMutual

What follows are a few commonly asked questions about American Amicable and MassMutual life insurance companies.

#1 – How can I get American Amicable mobile quotes?

If American Amicable operates in your local area, you may be able to get a quote by typing your ZIP code into our free and helpful tool.