American Amicable was built for the market most carriers avoid — seniors, hard-to-place clients, and anyone who needs coverage without a lengthy underwriting process. Through The Life GA, you get contracted fast and start writing business that other agents can't.
✦ Simplified underwriting — no paramedical exam
✦ Issue ages up to 85 on select products
✦ Coverage from day one on most products
✦ Competitive rates in the senior market
The Products
American Amicable's final expense shelf gives you options for nearly every health profile in the senior market — from preferred to graded.
For your healthiest clients. Full death benefit from day one with simplified underwriting — no exam, just a few health questions. Best rates in the Am-Am lineup.
For clients with moderate health history who don't qualify for level benefit. Graded death benefit in early years — still provides meaningful coverage with simplified underwriting.
For your hardest-to-place clients. No health questions, no exam, guaranteed acceptance. The last line of defense for clients who need coverage regardless of their health history.
Why American Amicable
Most carriers tighten underwriting as clients age. American Amicable went the other direction — and built a product shelf that closes business other agents walk away from.
With level, graded, and guaranteed issue options, you have a product for every health profile in the senior market. No client leaves without an option.
No paramedical exams. No waiting weeks for underwriting decisions. Simplified questions mean you can close faster and service more clients in less time.
10,000 Americans turn 65 every day. The senior market for final expense is one of the most consistent, renewable opportunity pools in the life insurance industry.
American Amicable has been serving policyholders since 1910. Over a century of paying claims in the markets other carriers avoid.
What We Provide
Final expense is a relationship business. We give you the tools to build those relationships at scale.
Direct mail, digital, and community-based campaigns targeting the 50-85 demographic where final expense closes live.
Get appointed with American Amicable and writing business fast. We handle the paperwork, you handle the clients.
Know when to present level vs. graded vs. GI. The right product match is what separates producers from order-takers.
Co-branded materials built for the senior market — referral cards, door hangers, social content, and digital assets.
A real person who knows the Am-Am product shelf and can help you place the difficult cases quickly.
Build a repeatable final expense business with systems for lead generation, follow-up, and referral development.
Compensation
Competitive final expense comp with override opportunities for agency owners.
Independent agents writing American Amicable through The Life GA receive top street-level commissions across the full final expense product shelf — level, graded, and guaranteed issue.
Agency owners earn override compensation above street level on every Am-Am policy their producers write. In a high-volume market like final expense, overrides compound fast.
Exact comp details shared on your onboarding call. Schedule yours →
Get Contracted
The senior final expense market is one of the most consistent opportunity pools in life insurance — and American Amicable gives you the products to close it. Book a 30-minute call and we'll walk you through the product shelf, comp, and how to get writing fast.
Schedule a 30-Min Call