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

UPDATED: Mar 19, 2020

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Amalgamated Life vs Funeral Directors Life Insurance Company

Shopping for insurance can be a daunting task, but it need not be so frightening after all. Consumers should first consider their needs, then do some comparison shopping, looking at what various companies offer and comparing their products side by side to determine the best fit and price.

One company with varied products to consider is Amalgamated Life, named to the 2011 Ward’s 50 best insurance companies and with 36 “excellent” ratings from A.M. Best Company. Among Amalgamated Life’s products are life, accident, and disability coverage. Amalgamated Life products are designed to meet the needs of a variety of needs and life stages, including retirement.

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Also named to Ward’s 50 best insurance companies, Funeral Directors Life Insurance Company (FDLIC) has a history dating back to 1977 when four funeral directors got together and brainstormed how to meet the needs of their communities with insurance based solely on covering the funeral industry. The services and benefits of both providers are explained below.

Amalgamated Life

Amalgamated life best known for the work in does with union and trust funds. May unions work with this provider to assist them in getting the best overall policies for their groups. Specific policies offered include life insurance, accidental death and dismemberment, medical stop loss coverage and disability insurance.

Amalgamated also offers a number of retirement services, including day to day enquiries and paperwork, and retirement benefit checks.

Amalgamated Life vs Funeral Directors Life Insurance

Although based in the United States, Amalgamated Life representatives speak many languages to service the widest number of people. They claim to offer prompt resolution of issues and an easy-to-join provider network. The company offers a variety of life coverage options for individuals and groups, support for mainframe computers, medical management, programs to help communicate benefits to a group, along with printing and fulfillment.

With a historical dedication to organized labor, Amalgamated Life continues to seek to offer products that provide financial security at affordable prices for working people and their families. Amalgamated Life might be the right choice for affordable, diversified products for workers and their dependents.

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Funeral Directors Life Insurance Company

Founded in Texas, FDLIC really got off the ground in 1981, converting a mutual aid company into a legal reserve life insurance company. FDLIC is still based in Texas, moving its headquarters to that location in 1994. This company specializes in pre-need insurance that can provide people with peace of mind, knowing their loved ones are provided for. Services provided by FDLIC included a graded whole life insurance plan, child and grandchild protection, guaranteed and non-guaranteed pre-need options, three different plans are designed to fit various budgets, needs, and customer mindsets.

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FDLIC’s Active Series

3″Day One” coverage for qualifying consumer offers single pay growth rates and a competitive premium. The FDLIC’s Pinnacle Series of products is designed for those who want a more moderate pre-need program. They benefit from commissions on older plans, higher growth rate options, and a choice of growth rates, and Day One coverage for qualifying consumers.

FDLIC’s Paramount Series is designed for more passive pre-need plans. It has simple health questions, commissions on older plans, and higher growth rate options.

FDLIC also offers Dollar for Dollar Plans with each of the above three product series, designed to meet the needs of consumers who do not wish to or cannot pay insurance premiums. In addition to the various series of products, FDLIC also offers Graded Whole Life Plans, which provide death benefits at affordable premiums. The Child and Grandchild supplement provides funds in the event that a child, grandchild, or great-grandchild of the policyholder should die between the ages of one and eighteen.

FDLIC specializes in preneed funeral options, and this company seeks to offer secure and safe options for prepaid funerals. This company specializes in services involving the funeral industry, therefore differing from Amalgamated Life in its specialty market niche.

How to Find Products and Company for Specific Needs

Amalgamated Life vs Funeral Directors LifeConsumers, whether individual or corporations or funeral companies, should first carefully determine their specific needs.

  • Sit down, make a list, and get firm on exactly which products will best suit a particular set of needs.
  • Then, check out each company’s credentials. Consider awards and high ratings as signs that the company is legitimate, licensed, and safe with which to do business.
  • Next, comparison shop. Put each company’s products side by side to determine exactly what each offers, and understand the nuances of each product.

It is important for consumers to remember that they should consider what will best fit their needs, rather than going with a company strictly on hearsay.

Although advice from family, friends, and business associates can be helpful in the beginning of the search for the right company and products.

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A Few Insurance Buying Caveats

Amalgamate Life Insurance vs Funeral Directors Life

Beware of overpriced products that promise more than they may be able to deliver. If something seems too good to be true, it often is. Be careful of extreme budget plans, because they might not deliver the services advertised on which the consumer is counting on receiving. Always choose licensed companies with which to do business

Amalgamated Life offers a variety of products for working people who want to protect themselves and their families at a reasonable cost. With a history of servicing unions, Amalgamated Life dedicates its services to working people everywhere, striving to keep costs down and quality high.

On the other hand, Funeral Directors Life Insurance Company specializes in pre-need planning and their products are focused on pre-planned funerals. This company focuses its business primarily in the funeral home industry. The most important thing for consumers to remember before purchasing any type of insurance is to determine their exact needs so they can find the company that will best suit their needs and provide the greatest satisfaction in the long run.

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