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: Apr 1, 2021

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The Facts of Life

  • American Memorial Life Insurance Company is a final expense and burial insurance company
  • American Memorial was bought by Assurant in 1996, and services the company’s final expense and burial insurance lines
  • Final expense insurance requires no medical exam and is a great life insurance option for seniors

Life insurance planning is often complicated and overwhelming, especially with so many companies and policies to choose from. Beyond basic life insurance, there are additional policies such as final expense burial insurance as well as companies that specialize in it.

American Memorial Life Insurance Company is one of these companies. Offering final expense and burial insurance, American Memorial ensures its customers’ peace of mind and protection from the burden of funeral and other final costs.

We understand the significance and difficulty of preparing for the future. To make a challenging situation a little easier, we have reviewed American Memorial, a popular final expense insurance company, for you.

Before you read more about American Memorial Life Insurance Company, enter your ZIP code into our free online tool for instant life insurance quotes in your area.

What products does American Memorial Life Insurance Company offer?

American Memorial was bought out by Assurant back in 1996 and is now a part of the Assurant Solutions division to build the company’s final expense offerings.

Because of the buy-out, American Memorial does not have a website, but Assurant lists a few final expense insurance options on its website. Assurant/American Memorial offers the following final expense insurance services:

  • Prearranged funeral funding
  • Final expense insurance
  • Final document services
  • Travel protection
  • Executor protection
  • Identity theft protection and restoration

Final expense insurance is a type of senior life insurance that allows seniors to plan ahead to save their loved ones from their passing financial burdens. It is essentially a permanent life insurance policy, and policy amounts usually range from $50,000 to $100,000.

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How much are American Memorial Life Insurance rates?

Neither American Memorial nor Assurant lists their rates on the website, so it isn’t easy to know how much they are without talking with an agent directly.

Although we could not get American Memorial Life Insurance Company quotes, here are the top three life insurance companies’ monthly and yearly rates for people in their 60s.

Average Life Insurance Rates For the Top 3 Life Insurance Providers for People 60+
CompanyMonthly Life Insurance RatesAnnual Life Insurance Rates
Massachusetts Mutual Life Insurance Co$109.77$1,317.25
State Farm Mutual Automobile Insurance$122$1,469.25
Pacific Life$133.68$1,604.12
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We recommend comparing multiple insurance companies, their policies, and their rates before deciding on one. This gives you a good chance of getting the right coverage at an affordable rate.

A nice feature of final expense and burial insurance is that it does not require a medical exam in order to get it. No exam life insurance is available to those with greater risk, making it an excellent option for seniors.

Does American Memorial Life Insurance Company have good ratings?

A great way to determine the reliability of an insurance company is by checking its financial ratings. Accredited sites such as A.M. Best and others give you insight into the companies that you’re looking into and help you to know if they are reliable or not.

According to A.M. Best, American Memorial Life Insurance Company has a rating of A- (Excellent). A company with a solid financial standing is more likely to be reliable in case of an emergency.

What is American Memorial Life Insurance Company?

American Memorial is a life insurance company located in Rapid City, South Dakota. It was absorbed by Assurant in 1996 and sells final expense life insurance entirely through Assurant.

Assurant is headquartered in New York City and has offices in 27 countries across Latin America, Asia-Pacific, Europe, and North America. Assurant has been selling life insurance to customers for almost a century.

To contact Assurant with any questions or file a claim, you can do so through its website. It makes filing claims or answering any questions you have very simple with links and PDFs of forms.

You can e-mail Assurant any claim documents, or you can fax the company at 605.719.0601. You may also sign in to your Assurant account using your Assurant insurance login. Your Assurant login allows you to have more direct access to an agent.

On Assurant’s website, an Assurant phone number is listed under each branch, along with the branch address. This is helpful if you need to contact an agent at a specific office location.

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American Memorial Life Insurance Company: The Bottom Line

American Memorial Life Insurance Company is a final expense and burial insurance company, now acquired by Assurant Insurance Company.

Final expense insurance is a financial planning policy for seniors and does not require a medical exam before getting it. This type of insurance policy is also often approved pretty quickly, within days of application.

Not yet ready to buy American Memorial Life Insurance Company final expense insurance? Enter your ZIP code into our free online tool for free life insurance quotes from companies in your area.