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

  • Securian Financial offers more affordable rates to men and women of various ages than American Amicable Life Insurance Company
  • A.M. Best gave a higher rating to Securian Financial than American Amicable
  • The Better Business Bureau gave a higher rating to American Amicable

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. Securian Financial life insurance today.

Our Securian Financial and American Amicable life insurance review will cover the term life insurance rates offered to men and women of various ages. We’ll also look at the ratings provided by A.M. Best and the Better Business Bureau (BBB).

Before we dive into our American Amicable vs. Securian Financial life insurance company 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. Securian Financial: Which company offers more affordable life insurance rates to men?

The simplest place to start when comparing two companies is pricing. Let’s take a look at a table that compares American Amicable vs. Securian Financial 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. Securian Financial life insurance quotes? As you can see, American Amicable is nearly $12 more expensive per month for men in their 30s.

How about men in their 40s? Men in their 40s can expect to pay over $16 more per month with American Amicable.

Men in their 50s, meanwhile, pay nearly $29 more per month with American Amicable for a term life insurance policy.

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

Term Life Insurance Policy Specifications

In case you’re 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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Which company offers more affordable rates to women?

Let’s now take a look at a table that compares American Amicable vs. Securian Financial 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 expensive for women of various ages as well? Women in their 30s pay over $8 more per month with American Amicable.

Women in their 40s, meanwhile, pay nearly $13 less per month with Securian Financial.

Is Securian Financial the cheaper company for women in their 50s as well? Yes, for this category, Securian Financial is over $20 cheaper per month.

In short, Securian Financial is the cheaper company across the board. Let’s now wrap up with Securian Financial and American Amicable life insurance reviews.

Free Life Insurance Comparison

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American Amicable vs. Securian Financial: Which company is more well-reviewed?

Finally, 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.

American Amicable received a rating of “A-” (Excellent), which is the second-highest of seven rating tiers.

What rating did Securian Financial receive from A.M. Best? Securian Financial received a rating of “A+” (Superior), which is an entire tier higher than the rating received by American Amicable.

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

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

What rating did the Better Business Bureau give to Securian Financial? Securian Financial received BBB accreditation, but it holds a considerably lower rating of “B.”

In conclusion, it was a significant victory for Securian Financial. Securian Financial offers more affordable rates to men and women of various ages than American Amicable and also holds a higher A.M. Best rating.

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

What follows is a commonly asked question about Securian Financial.

#1 – What can Securian Financial Services do for me?

You will be linked up with a Securian Financial advisor who will take you down the path to financial security for yourself as well as your family.