Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 2, 2020

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What Aetna and Amica Life Insurance Are and What They Do

Aetna and Amica Life Insurance are two major insurance providers in the insurance industry. This article compares and contrasts the two companies and their strengths and weaknesses.

Aetna is a life and health insurance company that was established in 1853 and run by company president Thomas K. Brace. Aetna’s headquarters are located in Hartford, Connecticut and the current president is Mark Bertollini. The company currently offers a number of different policies, such as:

  • life insurance
  • dental insurance
  • medicare insurance
  • disability insurance
  • vision insurance
  • student health insurance policies

Employee insurance is even offered as an option. In 2008, Aetna reached more than 17 million health insurance members. Aetna has been working since 1853 to bring its customers the best quality policies and coverage it can offer.

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Amica is a life insurance company based in Providence, Rhode Island that was established in 1907. This insurance company offers life insurance coverage, as well as coverage for:

  • disability
  • long-term care
  • numerous health insurance options

Amica has been consistently rated highly in customer satisfaction in recent years, and is one of the few large-scale insurance companies that still receives high ratings in customer satisfaction to date. Amica seems to genuinely care about its customers and the quality of its services that it it offers.

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What Aetna and Amica Life Insurance Have to Offer

Aetna has policies for individuals, for whole families, and even for the self-employed. The company’s website even offers a very handy guide for selecting policies based on different stages in life– young adult, single, married, starting a family, retired, and so on.

Aetna’s coverage is affected by your age, the state in which you live, and your gender. However, these are also the only things needed to get an insurance quote from the company. On a general level, Aetna offers a wide range of health and life insurance policies for any stage of life.

Amica, on the other hand, offers a great deal of variety in insurance policies (not just life and health, but auto and homeowner’s insurance, too). Amica’s policies are customizable, and the level term insurance coverage is based on different periods of time, with coverage starting at $100,000.

Whole life insurance is available in flexible amounts, beginning at $25,000. Annuities are even available. One unique policy that Amica has as an option is “Second to Die” coverage, which insures two different people under the same policy (perfect for parents and the like.)

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How Aetna and Amica Life Insurance Are Similar

Aetna and Amica are similar in that they both are trying to offer quality life insurance to their customers as the best rates possible and with the best amount of care possible. They both offer whole life insurance policies and have been in business for more than a hundred years.

Both of them branch out in different ways to properly satisfy their customers. They are well-established businesses that have the same goals in mind and want to give their customers financial peace of mind in the event of an untimely death or accident.

How Aetna and Amica Life Insurance Are Different

Aetna and Amica are different in that Aetna is a Fortune 100 company. Aetna also offers insurance policies to employees, which is an entirely different set of needs and demands. Aetna’s website also offers helpful articles on different things in life that may affect your coverage or require your policy to be put to action, from divorce to cavities in kids.

Aetna has been in business for 54 years longer than Amica has, and has a greater foothold in the stock market. This same foothold, though, means the company is subject to the rises and falls in the stock market, as well.

Amica Life Insurance, however, is a mutual company, an entity owned by policyholders rather than stockholders– the people who use Amica’s services and therefore would know what the company needs most and what direction the company would need to head in.

Aetna focuses on life insurance in particular, whereas Amica branches off into other areas of life that need coverage too, such as your home and auto insurance. In some cases, holding multiple policies under the same company can be very beneficial, and bundling Amica’s services may have the same benefits for you, as well.

Both Aetna and Amica Life Insurance have a similar goal in mind, but they take markedly different approaches in fulfilling that goal, and are run in different ways.

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Which Insurance Company Should I Consider?

In the end, the right life insurance for you is one that fits your needs specifically. You need a life insurance policy that is tailored to whatever you may need in your life insurance coverage, whether it is whole life or for 10-20 years.

I cannot tell you which insurance company to choose, only you will know which company works out the best for you. Either of them may work out for you, and bear in mind that each of the companies base their policies on your age, which state you live in, and how long of a policy you want– for a few years, or for life.

Both companies are only a phone call away. It is highly recommended that you do your own research when choosing the right company for you and the right policy for you. When tragedy strikes, you need an insurance company that will help ease the stress and make life much less difficult for you as a whole.

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