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 Benji Carr

UPDATED: Jul 21, 2021

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The Facts of Life

  • To get out of your American Amicable life insurance policy, speak to the insurance company about canceling your coverage
  • You can cancel your coverage online or over the phone
  • The timing of your cancelation will determine how much of a refund you qualify for (if at all)

Part of life insurance 101 is knowing how to cancel your policy if you need to.

If you’re insured by American Amicable, we’ve got all the information you need to know about how to get out of your American Amicable life insurance policy. Read this article for more on life insurance policy cancellation rules for American Amicable.

Before we go over the steps for how to cancel a life insurance policy with American Amicable, why not take a minute to enter your ZIP code in our comparison tool to get a free quote on life insurance right now?

How do you get out of your American Amicable life insurance policy?

Whether you have whole life insurance, term life insurance, or universal life insurance with American Amicable, there are a couple of options for how to cancel your policy:

  • Cancel your American Amicable life insurance policy over the phone – Call 800-736-7311 and ask to speak with an agent about canceling your policy. You’ll need to have your policy number ready. The agent can provide you with the correct forms and instructions for how to submit them.
  • Cancel your American Amicable life insurance policy online – Visit the American Amicable website and click the “Policy Owner” button. From there, you’ll be able to log into your account, fill out the cancellation form, and submit it.

Regardless of why or how you cancel, it’s unlikely that you’ll get a refund for what you’ve paid into the policy. The exceptions to this are:

  • You cancel during the free look period – You should be able to get a refund for your initial premium; the free look period is usually the first 10 to 30 days after you purchase your policy.

Though it should be noted that this varies by state law (for example, Iowa sets the minimum timeframe at 10 days, though companies can extend beyond that if they chose)

  • You cancel in the middle of a billing cycle – You may be able to get a refund for the last premium you paid (for the billing cycle you’re in when you cancel)

To find out exactly what you’ll qualify for in terms of a refund, you’ll need to speak with American Amicable.

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Why might you need to cancel your American Amicable life insurance policy?

There are several reasons you might want or need to cancel your American Amicable policy, including:

  • You found more affordable rates from another company
  • You can no longer afford your premiums
  • You no longer have any dependents

These are just a few examples. Your unique situation could be quite different but still necessitate canceling your policy.

In addition to you choosing to cancel your life insurance policy, there are a few situations in which your insurance company might cancel your policy.

American Amicable can cancel your insurance policy if they discover anything fraudulent about your application or the information you’ve provided to them.

If you have term life coverage and you don’t pay your premiums, your policy will be canceled for you. Additionally, if you don’t renew your policy when the term ends, you’ll find yourself without coverage.

Get Out of Your American Amicable Life Insurance Policy: The Bottom Line

When you’re looking to get out of your American Amicable life insurance policy, the quickest way to do so is to log into your account with the company and submit the forms online. You can also call American Amicable and request the forms and get help to complete the process.

Depending on when you cancel, you may be able to get a refund for your first or last premium payment, but it’s unlikely you’ll get a full refund for the total amount you paid into the policy.

Now that you know how to cancel your American Amicable life insurance policy, enter your ZIP code in the tool on this page to get a free quote from a life insurance provider in your area today.