American-Amicable Life Insurance Company of Texas, based in Waco, has been part of iA Financial Group of Quebec since 2010 and operates alongside sister companies such as Occidental Life and Pioneer American. Known for simplified-issue term, mortgage protection, final expense and children's policies sold through independent agents and marketing organizations. Life Insurance Policy Desk is not American Amicable. We are an independent brokerage that helps policyholders of any carrier, and the review costs nothing.
Your policy may be issued under a related name such as American-Amicable Life Insurance Company of Texas or Occidental Life Insurance Company of North Carolina or Pioneer American Insurance Company or Pioneer Security Life Insurance Company. The help on this page applies to those policies too.
Looking for American Amicable customer service or a phone number?
Many people who search for American Amicable customer service or an American Amicable life insurance phone number want one of two things: a straight answer about a policy, or coverage like it. Life Insurance Policy Desk is not American Amicable and cannot see or change your account with the company. For a free, independent review of the policy, or to compare American Amicable with other carriers, call a licensed agent at (888) 000-0000.
Shopping for burial or funeral coverage instead? Read American Amicable final expense insurance: what to know.
Why people with American Amicable policies call us
- A premium notice that is higher than expected
- Updating a beneficiary after a marriage, divorce, birth or death
- Finding an old policy, or confirming one is still in force
- Questions about cash value, loans, dividends or surrender
- A missed payment, billing problem or lapse notice
- Deciding whether to keep, change or replace the policy
Specific to American Amicable policies
- Policies issued by a sister company such as Occidental Life or Pioneer American
- Term policies with optional return-of-premium riders
- Final expense plans with immediate, graded or return-of-premium benefit tiers
- Simplified-issue underwriting that can affect the benefit level in early years
Policyholders are often families and seniors who bought from an independent agent, and they call about return-of-premium riders, final expense benefit levels and which sister company issued their policy.
What to have ready before you call
- Your policy number, from a premium notice, annual statement or the policy document
- The insured person's full name and date of birth
- The most recent statement or premium notice, if you have one
No paperwork? That is common with older policies. The insured's name, date of birth and last known address are usually enough to start a search with American Amicable, and our guide to finding a lost life insurance policy covers the other places to look.
Thinking about canceling your American Amicable policy? Read this first
Canceling is usually permanent, and replacing coverage later means new underwriting at an older age. Depending on your policy, one of these options may keep some protection in place:
- Reduced paid-up coverage: stop paying premiums and keep a smaller death benefit funded by the cash value
- A policy loan or partial withdrawal instead of a full surrender
- Using dividends or cash value to cover premiums for a while, where the policy allows it
- Lowering the face amount to bring the premium down
- A 1035 exchange into a different policy, which avoids a taxable event when done correctly
Before you change anything, find out what the policy is worth today, what you would give up, and what replacing it would cost. A licensed agent can lay those numbers out side by side.
How a free independent policy review works
- Call. Tell us what you own and what you want to find out. Ten minutes is usually enough to start.
- Review. We go through the policy with you: coverage amount, premium, cash value, riders, beneficiaries, and how it fits your situation now.
- Options. You get a plain-English summary and your choices, which may simply be to keep the policy as it is. No obligation.
Frequently asked questions about American Amicable policies
How do I find out whether my American Amicable policy is still in force?
Start with your most recent premium notice or annual statement; an active policy keeps generating them. If you have nothing on paper, American Amicable can usually locate a policy from the insured's full name, date of birth and address. We can also help you confirm the policy's status and what it is worth today.
My policy says Occidental Life or Pioneer American. Is that American Amicable?
Yes. Those are sister companies in the American-Amicable group, part of iA Financial Group, and they share administration, so the same office services the policy. Use the company name and policy number printed on your schedule page when you call. A licensed agent can review the benefit tier and riders from that page.
How do I change the beneficiary on my American Amicable policy?
The policy owner requests a beneficiary change form from American Amicable, completes it with the new beneficiary's full legal name, relationship and date of birth, signs it and returns it. If a beneficiary was named as irrevocable, that person must consent. Keep a copy and ask American Amicable for written confirmation that the change was recorded.
Can I borrow against or cash out my American Amicable policy?
If your American Amicable policy is a permanent policy with cash value, you can usually take a policy loan or a partial withdrawal, and you can surrender the policy for its cash value. Loans accrue interest and reduce the death benefit until repaid, and surrendering ends coverage and can create taxable income. Term policies have no cash value.
Why did my American Amicable premium go up?
Common reasons include a term policy reaching the end of its level period or moving into a new age band, a universal life policy whose cost of insurance has risen, a rider added to the policy, or a change in payment frequency. Your premium notice should show which applies. A policy review can confirm the cause and whether a lower-cost option exists.
Can you take a payment or fix a billing problem on my American Amicable policy?
No. We are independent and cannot access your American Amicable account or take payments on its behalf. We can explain what the notice means, how the grace period works, what happens if the policy lapses and how reinstatement usually works, so you can sort the billing issue out with American Amicable directly and with less stress.
Should I cancel my American Amicable policy?
Only after you know what you would give up. Canceling is usually permanent, replacement coverage costs more at an older age, and permanent policies may have cash value or guarantees you cannot get back. Compare the current policy, the alternatives above and a replacement quote before deciding. A free review puts those numbers side by side.