American Amicable burial insurance
American Amicable is a Texas carrier that has built its final expense business on writing applicants other companies turn away, and on being unusually competitive for tobacco users.
Rating read from AM Best on 2 September 2026. AM Best calls A excellent: a strong ability to meet obligations to policyholders. How we check ratings.
The verdict
A genuinely useful carrier in the middle of the market. If you smoke, or if a condition has caused a decline elsewhere, this is one of the first places worth re-running the application.
We do not represent American Amicable
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- Often approves conditions that stop applications at other carriers
- Competitive pricing for tobacco users, which is unusual
- A rated, affirmed September 2025
- Wide range of final expense products
Against it
- Smaller and less recognised than the household names
- Not usually the cheapest for a clean non-tobacco applicant
- Product range is broad enough to be confusing without an agent
How it treats your health
Simplified issue with a more accommodating appetite than the strictest carriers, and a rate structure that penalises tobacco less than most of the market.
What it actually sells
A range of simplified issue whole life products for final expense, in immediate and graded versions.
The waiting period
No waiting period on the immediate versions. Graded versions carry the standard two year structure.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco, face amount, state and product version. Tobacco costs less here relative to the market.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what American Amicable would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about American Amicable
Is American Amicable good for smokers?
It is frequently among the better options for a tobacco user, because its tobacco loading is lighter than much of the market. Worth quoting specifically if you smoke.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.