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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 3, 2022

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Aflac vs. Amica Life Insurance Company

When comparing insurance providers, it is often helpful to do research and find out what each one has to offer. For example, AFLAC and Amica Life Insurance Company are very different from each other, and they each focus attention on a wide range of specific customer needs.

Overview of AFLAC Insurance

For starters, the Customer Service Scoreboard ranks AFLAC #60 out of 507 companies that are registered with Additionally, out of 80 customers, 57 had negative comments about AFLAC’s customer service while 23 had positive comments.

Additionally, AFLAC offers these insurance plans:

  • Short term disability insurance
  • Hospital confinement sickness indemnity insurance
  • Hospital intensive care insurance
  • Cancer specified disease insurance
  • Critical care and recovery insurance
  • Juvenile whole life insurance
  • Juvenile term life insurance
  • Term life insurance
  • Whole life insurance
  • Accident insurance
  • Vision insurance
  • Dental insurance

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Short Term Disability Insurance

AFLAC’s short-term disability insurance policy pays monthly benefits to customers who have a disability that has been documented by their doctor. An invaluable benefit that offers protection against a drop in standard of living, disability insurance is available through the customer’s payroll deduction plan at his place of employment.

Hospital Confinement Sickness Indemnity Insurance

This policy addresses illness-related financial burdens by providing the owner with cash benefits that are directed toward hospital care. Included in the list of policy benefits are:

  • Hospital confinement
  • Major diagnostic exams
  • Surgery

Hospital Intensive Care Insurance

The hospital intensive care insurance policy that AFLAC offers pays cash benefits directly to the policy owner for accidents or illnesses that cause the person to be admitted to a hospital intensive care unit. Created to complement the policy owner’s existing major medical, limited benefit, or other insurance plans, this particular policy includes:

  • A cash benefit for the first seven days that the patient is in the ICU and an increased cash benefit for the next eight days.
  • Progressive benefits that increase over time.

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Cancer Specified Disease Insurance

AFLAC created this insurance policy to provide the owner with cash benefits during covered cancer treatments. Additionally, this policy can also protect the owner’s income and savings from unexpected associated medical expenses that often are not covered by a major medical health insurance policy such as:

  • Out-of-network specialists.
  • Deductibles.
  • Experimental cancer treatment.

Critical Care and Recovery Insurance

Critical care and recovery insurance help the policy owner concentrate on recovering from debilitating health situations such as heart attacks, end-stage renal failure, or third-degree burns. Additional events that are covered under this policy are:

  • Stroke.
  • Paralysis.
  • Persistent vegetative state.

Juvenile Whole Life Insurance

In addition to the death benefit, the increase in cash value that AFLAC’s juvenile whole life policy offers may be collected, borrowed, or used to pay the policy’s premiums. On top of that, the policy can be in effect for a lifetime, as long as the premiums are paid.

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Juvenile Term Life Insurance

This policy pays a death benefit until the child turns 25 years of age, and, at that point, the child has the right to change the policy to an individual life policy at no more than double the face amount.

Term Life Insurance

Lasting for about 20 or 30 years, this policy expires at the end of the term.

Whole Life Insurance

This policy combines a death benefit with an investment option that may be collected, borrowed, or used to pay the premiums on the lifetime policy that remains in effect as long as the premiums are paid.

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Accident Insurance

AFLAC’s accident insurance offers cash benefits to policy owners who have covered accidents. Expenses covered with this policy include:

  • Broken teeth.
  • Concussions.
  • Intensive care unit confinement.

Vision Insurance

The vision policy provided by AFLAC offers benefits for eye surgeries, certain eye diseases, and permanent visual impairment. An added feature is the fact that there are no provider network stipulations, allowing the policy owner the freedom to choose his own preferred eye-care provider.

The plan provides benefits for:

  • Eye exams.
  • Vision correction materials.
  • Specific eye diseases.

Dental Insurance

Once again, AFLAC places no network restrictions upon its policyholders when it comes to dental insurance. Therefore, policyholders are able to choose any dentist that they prefer.

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Overview of Amica Life Insurance Company

Though smaller in size than AFLAC, the Amica insurance company has received rave reviews about its customer service. In 2010, Business Week magazine highlighted the fact that Amica’s customers were highly satisfied with the attention that it paid to its customers, and its employees were also highly satisfied with the way that they were treated, remaining with the company, and, therefore, contributing to a very low turnover rate.

The magazine also pinpointed the fact that technological advancements that are currently being utilized by Amica’s telecommunications system connect customers with agents in other localities when the customer’s local branch is besieged with extremely high call volume.

Amica Life Insurance Company also offers a variety of insurance options. They include:

  • Auto insurance
  • Life insurance
  • Homeowners insurance
  • Personal umbrella liability insurance
  • Marine insurance
  • Annuities

Auto Insurance

Amica offers a variety of discounts and offers flexible payment plans. Additionally, because the company does not employ agents to sell their products, the premiums that the company charges are considerably less. Discounts include:

  • Discounts for insuring a home or automobile with Amica.
  • Discounts for having theft prevention systems.
  • Discounts for having vehicle safety equipment.
  • Discounts for completing driver’s training programs.

Life Insurance

Amica offers permanent insurance and term insurance as well as specialty and retirement products.

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Homeowners Insurance

Amica offers insurance plans to homeowners, renters, and persons living in condominiums.

Personal Umbrella Liability Insurance

This type of coverage offers added protection on top of the existing auto, home, or marine coverage that a policyholder might have.

Marine Insurance

This policy is available for boat owners and offers comprehensive coverage for small watercraft, large yachts, and everything in between.


Amica offers annuities with interest rates that are higher than those of most bank accounts, CDs, and money markets. An added feature is the fact that there are tax advantages for investing in annuities.

Results: AFLAC vs. Amica Life Insurance Company

Obviously, AFLAC has a larger variety of insurance plans to meet a policy holder’s needs. Offering insurance plans that include basic needs such as whole, term, and auto insurance, it also offers very specific insurance plans that address hospital intensive care costs and cancer disease costs.

Amica only offers basic insurance protection with the addition of marine insurance for policy owners who own boats.

However, in terms of customer service, Amica is extremely outstanding, having received numerous positive customer testimonials about its customer service. Furthermore, it is constantly striving to improve the level of customer satisfaction that the company is currently enjoying, resulting in happy customers who have no desire to look elsewhere for insurance protection.

AFLAC’s customer service rating, however, is less than stellar, being classified as disappointing by the Internet’s Customer Service Scoreboard. Having a variety of options to offer a customer is great, but if excellent customer service is non-existent, the purpose is completely defeated.

Given the choice, most people would gladly choose a company that has a smaller package but offers superior customer service over an abundance of options any day.