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Amalgamated Life vs American Family Life Insurance Company

Daniel Walker
Licensed Insurance Agent for 15 Years

UPDATED: Mar 19, 2020

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Amalgamated Life vs American Family Life Insurance CompanyAmalgamated Life Insurance Company offers several different types of life insurance products. It even covers people when they have accidents or injuries but do not meet an untimely death. American Family Life Insurance Company also has life insurance, but it is a company that offers several other types of insurance products.

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The following comparison will show how these companies differ in their insurance options. By discovering the specific policy types and options available you will have a clearer idea of which provider is best suited to meet your needs.

Amalgamated Life Insurance Policy and Options

Amalgamated Life has a group term policy for everyone who is currently working and wants to provide their families with a sum of money if they meet an early demise. These policies are notable for all of the choices that the company gives them, such as the ability to:

  • Choose from many different benefit amounts
  • Switch from the term policy to the permanent policy with no medical exam
  • Add more coverage to their basic term policies

Those who purchase life insurance from Amalgamated Life can just purchase the basic policy, but they also have several options for furthering their coverage. One such addition is called Dependent Life. The main policy holder can add his or her spouse for up to $100,000 extra coverage.

Amalgamated Life vs American Family Dependent Life Insurance Coverage

Amalgamated Life has extra insurance that only applies toward retirees under the company’s Retired Life Coverage. The Supplemental Life is additional coverage for those who are participating in the group term basic policy.

The American Family Life Insurance Policy

American Family Life Insurance Company has term life insurance for individuals, and they may choose between terms of ten years, 20 years and 30 years. They also have two types of permanent policies, whole life and universal life.

  • Whole life insurance: Those who purchase the American Family whole life insurance policy will have their premiums set at that time, and they are guaranteed to never increase. It is a policy that accumulates cash value over the years.
  • Universal life insurance: With the universal life policy, policy holders will have flexibility in their premiums. They will be able to choose between several options for death benefits. An added convenience is that American Family sells these policies to people from age zero to age 80.

The only similarity between Amalgamated and American Family is that they both offer life insurance.

Both companies sell other types of insurance products, but they are all different types of products.

Amalgamated Life Insurance Company

Amalgamated Disability versus American Family Life Insurance PolicyWhen people purchase the basic life insurance policy, they will have the ability to add the Accidental Death & Dismemberment (AD&D) coverage. With this coverage, those who experience an accident that results in an oppressive injury, death or paralysis whether they were at the workplace or not will receive the amount they would be entitled to with their basic life insurance coverage.

American Life Insurance Company does not have AD&D coverage, but it does have health insurance. This type of insurance will pay the medical bills for policy holders and their family members in the event of an accident or illness.

Those on Medicare can purchase supplemental plans for it. More specific details on Medicare can be found in this government provided document.

Amalgamated’s Short and Long Term Disability

Amalgamated Life Insurance Company even takes things a little farther. With short-term disability and long-term disability selections, people can prepare for the times that they will be out of work due to illness or injury. This coverage applies only when the illness or injury is not related to the policy holder’s job.

The University of Buffalo’s School of Public Health and Health Professions has compiled interesting statistics about how many people are disabled, and the types of disabilities that exist here.

The conditions that qualify for short-term disability payments are:

  • Illness
  • Injury
  • Pregnancy

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The Amalgamated Life Critical Illness Rider

Amalgamated Life will even separate coverage for illnesses with its Critical Illness Protection rider. After being diagnosed with a qualifying critical illness, policy holders receive a lump sum of money. Qualifying illnesses are:

  • Amalgamated Life and American Family Long Term Disability InsuranceHeart attack
  • Cancer
  • Stroke
  • Paralysis
  • Coma
  • Renal failure
  • Organ transplant
  • Hospitalizations of at least 30 days

American Family Has More Insurance Options

Amalgamated Life Insurance Company is very thorough with the products it offers to cover the possibility of illness, injury and death, but American Family Life Insurance Company branches out into other types of insurance products that Amalgamated Life does not offer.

Auto and Home Policies

American Family has several auto insurance products for all types of vehicles. People can purchase their auto insurance for their cars and trucks with this company, but they can also purchase insurance for motorcycles, their motor homes, their boats, their snowmobiles and their all-terrain vehicles (ATVs).

American Family also has several products for insuring people’s homes.

If they own their homes, they may purchase this company’s homeowner’s insurance. Renters and owners of mobile homes and condominiums also may purchase policies just for their circumstances. Amalgamated Life Insurance Company does not offer its clients these choices.

American Family’s Umbrella and Business Insurance

American Family provides coverage in several different circumstances when people may be sued by another party. There may be an accident where someone is injured or there may be a lawsuit for slander. These incidents may result in a judgment against people that their basic insurance policies will not cover.

Amalgamated Life versus American Family on Business InsuranceAmerican Family has umbrella coverage that augments homeowner’s, auto and farm and ranch liability coverage. In contrast, Amalgamated Life Insurance Company does not offer this extra protection against the mishaps that can occur to third parties. SmartMoney offers advice on purchasing umbrella coverage in this article.

American Family has business insurance, another type of insurance coverage that Amalgamated Life does not have for its clients. Those who purchase their business insurance from American Family will be able to buy a policy that fulfills exactly their needs rather than coverage that could be considered a one-size-fits-all policy.

American Family is prepared to insure all types of products for businesses. Business owners will be able to purchase their liability coverage, of course, from American Family. They can also purchase coverage for their vehicles, their worker’s compensation and an umbrella policy tailored toward business needs.

Overview of the Companies

The one insurance product that Amalgamated Life and American Family Life Insurance Company have in common is life insurance. The life insurance products are highly extensive but, while American Family has health insurance, Amalgamated Life extends its coverage into the disability and critical illness realms.

Both companies branch out into other types of insurance products, but American Family Life Insurance offers more than Amalgamated Life. Those who need products in the area of life insurance and disability will have more options with Amalgamated Life. In contrast, those who need a wider variety of insurance products will find what they are looking for with American Family Life Insurance Company.

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