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Amica life insurance review and ratings for 2025

Amica tied with Lincoln Financial for tenth place in our ranking of the Best Life Insurance Companies in 2025, receiving 4.24 stars out of 5. Surveyed customers gave the insurer high marks for policy offerings and billing process.

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Our take 

Amica tied with Lincoln Financial for the No. 10 spot in our list of the Best Life Insurance Companies of 2025, earning 4.24 stars out of 5. The insurer received high marks in our customer survey for ease of service and policy offerings. Amica received an A+ (Superior), which is the second-highest grade available from AM Best, a credit rating agency. This indicates that the insurer is a financially strong company that can pay out claims.

When customers file complaints with state regulators against an insurance company, the National Association of Insurance Commissioners (NAIC) logs those complaints. According to the NAIC, Amica has a low level of complaints. Of the customers we surveyed, 81% said they were satisfied with Amica’s customer service.

Below is our review of the full company and its line of life insurance products. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

Amica
Amica Ratings
Overall Rating: 4.24
Ease of service: 4.35
NAIC: 0.65
Customer Satisfaction: 4.03
AM Best Rating: A+
Effective date:

Pros and Cons

Pros:
  • Strong AM Best score
  • Low level of consumer complaints with NAIC
  • Majority of customers are satisfied with the billing process
Cons:
  • Fewer customers said they’d renew their policy in comparison to competitors
  • A smaller percentage of customers said they would recommend Amica than other companies in our analysis.

How Amica scores on customer satisfaction

Of the customers we surveyed, 81% said they were satisfied with Amica. Guardian led this category out of the 16 companies that made our ranking.  

CompanyPercent of customers that are satisfiedJ.D. Power overall satisfaction score (out of 1,000)
Amica81%N/A
John Hancock87%644
Prudential77%626
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How Amica scores on ease of service

Amica customers are generally satisfied with the company’s ease of use, with 89% giving it high marks. This is one of the highest rankings among the companies we evaluated. 

CompanyPercent of respondents that are satisfied with ease of service
Amica89%
Guardian90%
Mutual of Omaha70%

How Amica scores on policy offerings

Policy offerings are important as different people have different coverage needs. About 87% of surveyed Amica customers are satisfied with the company’s policy offerings, making it one of the highest-ranking carriers in this category. 

CompanyPercent of respondents satisfied with the company’s policy offerings
Amica87%
Guardian97%
New York Life84%

How trustworthy is Amica?

Policyholders want an insurance company they can trust to protect them financially. About 81% of surveyed customers said they trust Amica. Some competitors scored higher than Amica in this category, with Northwestern Mutual receiving the highest score of 100%. 

CompanyPercent of survey respondents who find the company trustworthy
Amica81%
Globe Life86%
State Farm89%

Do Amica customers plan to renew? 

About 76% of Amica customers we surveyed said they plan to renew their policy with the company. That’s the lowest percentage of any company we evaluated. In fact, most insurers scored highly in this category – four companies received a 100%. 

CompanyPercent of survey respondents who plan to renew
Amica76%
Gerber Life96%
AIG89%

Amica product details

  • Term Life
  • Whole Life

Other services offered

  • Auto
  • Home
  • Umbrella
  • Condo
  • Renters
  • Marine
  • Motorcycle
  • Wedding & Event
  • Small Business
  • Retirement
  • Flood
  • RV & Trailer

About Amica

Amica

Amica was founded in Providence, Rhode Island, in 1907 as the Automobile Mutual Insurance Company of America. It’s the oldest mutual insurer of automobiles in the country. Amica insurance was incorporated in 1969, expanding the company into the life insurance industry.

With some 3,700 employees, it’s a smaller company. Amica is a mutual company, which means it’s owned by its policyholders and not stockholders.

States where Amica offers coverage

Graph
Table
States where Amica offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available

Note: Amica is licensed to do business in all 50 states and Washington, D.C. Keep in mind that coverage and product availability can vary by location.

Resources and Methodology

Sources:

J.D. Power. “Individual Life Insurance Study.” Accessed March 2025.

Methodology

Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (973 people with life insurance). The survey was conducted by online market research company Slice MR.

Respondents were asked to name their life insurer and then grade it in the following categories: 

  • Customer satisfaction
  • Ease of service
  • Policy offerings
  • Billing process
  • Adding policy riders
  • Seniors/older adults
  • Middle-aged adults
  • Young people
  • Term life policies
  • Whole life policies
  • People with pre-existing conditions
  • People who are overweight
  • People who don’t want to take a medical exam

The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:

  1. I plan to keep my coverage with my current life insurance company
  2. I would recommend my life insurance company to others
  3. I trust my life insurance company

The percentage of respondents who said yes is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.

They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.They also collected insurance rate data from Compulife.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For life insurers, we took the following and gave each a weight.

  • Survey: 60% of the total score (10% customer satisfaction, 10% ease of service, 10% policy offerings, 10% recommended, 10% policy retention and 10% trust)
  • AM Best: 25% of total score
  • NAIC: 15% of total score

Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.

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Kara McGinley

 
  

Kara McGinley has over 6 years of experience writing, editing, and reporting on insurance and the insurance industry. She's been a licensed property and casualty expert in New York since 2021. Kara has been featured in several national publications, including USA TODAY, MSN, LifeHacker, Kiplinger, PropertyCasualty360, Policygenius, Rental Housing Journal, and WRAL.

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