AMICA Life vs COUNTRY Financial
AMICA Life vs. COUNTRY Financial: Which Insurer Offers the Best Life Insurance Value?
When it comes to finding affordable life insurance with strong customer support and reliable coverage, AMICA Life and COUNTRY Financial are two well-established providers that often fly under the radar. Both offer term and whole life policies, competitive pricing, and personalized service—but their approach to underwriting, flexibility, and online tools differ.
Let’s break them down to help you decide which is the better fit.
Life Insurance Calculator
Share This
Customer Reviews
Company Overviews
AMICA Life Insurance Company
Founded in 1907, AMICA is best known for its top-rated auto and home insurance, but it also offers life insurance through AMICA Life. It specializes in term and whole life insurance with a direct-to-consumer model and strong digital application process.
COUNTRY Financial
COUNTRY Financial started in 1925 and is a multi-line insurance provider offering auto, home, business, and life insurance. Its life insurance division provides term, whole, and universal life insurance, mainly through local agents across 19 states.
Financial Strength & Ratings
| Rating Agency | AMICA Life | COUNTRY Financial |
|---|---|---|
| AM Best | A+ (Superior) | A+ (Superior) |
| Standard & Poor’s | N/A | A+ |
| BBB Rating | A+ | A+ |
Verdict: Both are financially strong with excellent reputations, though AMICA Life is more streamlined for digital-first users, while COUNTRY is agent-driven.
Policy Types Offered
| Policy Type | AMICA Life | COUNTRY Financial |
|---|---|---|
| Term Life | ✅ 10, 15, 20, 30 years | ✅ 10, 15, 20, 30 years |
| Whole Life | ✅ Yes | ✅ Yes |
| Universal Life | ❌ Not offered | ✅ Yes |
| No Medical Exam | ✅ Up to $1 million | ✅ Available for some term |
Coverage Options & Flexibility
AMICA Life:
- Term coverage from $100,000 up to $1 million.
- Level premiums with convertible options.
- Simple online quoting and applications.
COUNTRY Financial:
- Term and whole life from $50,000+.
- Offers indexed and universal life policies.
- Customizable policies with face-to-face agent support.
Verdict: COUNTRY offers broader options including universal life, while AMICA is great for clients who prefer quick, no-hassle coverage.
Underwriting & Application Process
AMICA Life:
- Offers online quotes and applications.
- No medical exam policies available for term life.
- Faster approval for qualified applicants.
COUNTRY Financial:
- Requires consultation with a licensed local agent.
- Medical exam often required for higher coverage.
- Underwriting can be more traditional and thorough.
Verdict: AMICA wins on speed and digital ease. COUNTRY is better for clients who want personalized guidance and more complex policies.
Pricing & Affordability
| Age/Gender | Coverage & Term | AMICA Life (Monthly) | COUNTRY Financial (Monthly) |
|---|---|---|---|
| 30-year-old male | $500k / 20 years | ~$22–$27 | ~$24–$30 |
| 40-year-old female | $250k / 20 years | ~$19–$24 | ~$21–$27 |
| 50-year-old male | $100k / 10 years | ~$31–$38 | ~$33–$40 |
Verdict: AMICA Life often has slightly lower pricing for digital applicants. COUNTRY may cost more but offers local service and policy customization.
Alternatives to Consider
- Haven Life – 100% online with backing from MassMutual.
- Ethos – Offers both term and whole life with no medical exam.
- State Farm – Strong customer service and a wide range of riders.
- Banner Life – Competitive rates and high coverage availability.
Riders & Customization
| Rider Type | AMICA Life | COUNTRY Financial |
|---|---|---|
| Accelerated Death Benefit | ✅ Included | ✅ Included |
| Child Term Rider | ❌ Not listed | ✅ Optional |
| Waiver of Premium | ❌ Not listed | ✅ Optional |
| Conversion to Whole Life | ✅ Yes | ✅ Yes |
| Disability Income Rider | ❌ Not offered | ✅ Available |
Verdict: COUNTRY offers more rider options and custom features through agents, while AMICA keeps things simple with limited but clear options.
Best For…
AMICA Life
- ✔️ Healthy individuals wanting fast, no-exam term life
- ✔️ Those who prefer applying 100% online
- ✔️ Budget-conscious families
COUNTRY Financial
- ✔️ Clients looking for permanent, universal, or indexed life
- ✔️ Those who value local agents and personalized advice
- ✔️ Families with complex insurance needs
Pros and Cons
AMICA Life
- ✅ Easy online quotes and applications
- ✅ No exam term life up to $1M
- ✅ Backed by excellent customer service
- ❌ Fewer customization options
- ❌ No universal life available
COUNTRY Financial
- ✅ Multiple policy types including IUL and whole life
- ✅ Personalized support from local agents
- ✅ Extensive rider selection
- ❌ Application process not fully online
- ❌ Medical exam more commonly required
Customer Experience & Support
- AMICA Life: Known for outstanding customer satisfaction and responsive online service. Many clients appreciate the simplicity of the online process.
- COUNTRY Financial: Highly rated for agent support and long-term relationship building, especially in the Midwest and rural communities.
Final Verdict: Which Should You Choose?
If you're looking for affordable term life insurance with a fast, fully digital process, AMICA Life is a top-tier choice. It’s perfect for healthy applicants seeking simple, low-maintenance coverage.
If you want in-person guidance, more rider options, and universal life insurance, COUNTRY Financial offers greater flexibility and is ideal for clients with complex financial planning needs.
💬 Frequently Asked Questions: AMICA Life vs. COUNTRY Financial
Which company offers no medical exam life insurance?
Does either company offer universal life insurance?
Which company allows online applications?
What are the financial ratings of AMICA and COUNTRY Financial?
Can I get riders to customize my life insurance policy?
Which is better for people who want to apply fully online?
What types of life insurance do they offer?
Which company is more affordable?
Do both companies offer policy conversion?
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent