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: Mar 19, 2020

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Amalgamated Life versus National Western Life Insurance Company

Amalgamated Life and National Western are both great insurance companies. They both offer a wide variety of policies that could work for you. However, they do not offer exactly the same policies. It is highly recommended to review the details for all the policies that each company has to offer and request a quote from each company prior to selecting a plan.

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Amalgamated Life is a commonly used insurance company in the United States. They offer insurance for individual members, brokers, providers, and retirees. They offer the following types of insurance: Life Insurance Accidental Death and Dismemberment, Disability, Medical Stop Loss and a number of voluntary insurance products. These include: Workers Life Plus, Workers Life Level, Critical Illness, Long and Short Term Disability, and their Employee Life Option.

Company Mission

According to their website, Amalgamated Life’s mission states that they “are dedicated to helping working people and their families achieve financial security by providing affordable life, health and pension products and services while maintaining an unwavering commitment to excellence and continuing our historical mission to organized labor.”

Under the life insurance policies they will cover dependents, retirees, and even offer supplemental insurance.

When you file a claim with Amalgamated Life, you can rest assured that your claim will be handled quickly and efficiently. It is made to help you and your family with problems that may arise in your lifetimes. You can request a quote on their website by using the “Contact Us” link.

Amalgamated life versus national western life

If you are a broker or a consultant and wish to discuss the options for your clients, please call 1-914-367.5511 to speak with the VP of Sales and Marketing. In addition, if you are a provider that would like to become part of our physician network, please call 1-914-367-5365 to get started. They can be reached at providerwebinquiry@aligroups.com.

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Amalgamated Life Policies

The Amalgamated Life company offers a wide variety of life event policies to help you through difficult times.
To be eligible for their life insurance policies, the policyholder must be currently working. The benefits to the program include the following attributes:

• The customer can choose the amount of benefits paid
• No medical underwriting needed if a customer wishes to transfer to a permanent policy
• Different contracts for various age groups rated by experience
• The feeling of security knowing that Amalgamated Life is a union company
• Dependents are covered. A spouse can get coverage for up to 50% of the member’s coverage with a maximum benefit amount of $100,000. The member’s children can receive $4000 in benefits.
• Retirees are covered, and their employers can give them an additional 10% of coverage if they wish. This coverage does not include family members.
• Members and retirees can opt in for supplemental life insurance by paying a fee.

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With their Accidental Death and Dismemberment policy you can benefits up to the amount of the member’s life insurance benefit payout. The Medical Stop Loss policy is great because there is no medical underwriting needed. The plan offers the following benefits:

  • Fast response to proposals
  • Reduced cost for PPO’s, medical management organizations, and TPA’s with excellent performance rates
  • Flexible claims and a 5 million loss limit
  • Choice of terminal liability
  • Aggregate stop-loss and extension

In addition, the disability policies cover short term and long term disability with the following conditions met:

  • Injury or illness must not be work-related.
  • Policyholder may or may not be required to contribute money.
  • Note: These policies may not be available in every state.

Lear more about disability policies and what they offer right here.

Amalgamated Life Summary

Not only does Amalgamated Life have a great selection of insurances for various lifetime needs, their website is easy to navigate and is user-friendly. There is just enough information available to get the information you need without making it cluttered. To get more information, please contact them through their website or call.

National Western Life Insurance Basics

The National Western website is also easy to navigate. They also offer a site map to help you find what you need more quickly. National Western offers life insurance, annuity, and Roth IRA policies. You can view current rates for annuity and life policies on their website under the Marketing Resource Center link. For members there is a link to all policy documents that can be downloaded from the website.

According to their website, they offer universal life and term life insurance products.

Universal life insurance allows you to change your premium cost each year.

It also allows you not to make a payment if needed. Your premium will earn interest in an account and your premium cost will come out of that account each time. If your account runs out of funds then your policy would be terminated unless you add funds to it. They offer education to help you decide how much life insurance you need as well.

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Other Types of National Western Life Policies

Amalgamated Life Insurance Versus National Western Life

According to their website, they also offer annuities and Roth IRAs. With an annuity you can earn interest on your money that is tax deferred. This is an easy way to save money with little effort on your part. The payment can be immediate or deferred. It is best used as a long term financial investment.

Annuity premiums can be paid as a one time payment or installments. Their annuities are fixed, indexed, or can be a combination of the two. With annuities you control when you withdraw from the account, and there are not penalties for doing so.

Roth IRA’s are a type of retirement account. They are not tax free when you put money in, but the interest dividends are tax free. You may be able to convert your regular IRA to a Roth IRA if eligible.

How Do I Get a Quote?

To get a quote to find out how much it will cost for Amalgamated Life or National Western Life insurance, you simply need to request a quote online or call an agent at the phone numbers listed on their websites. The major difference between the two companies is that Amalgamated offers a wider variety of products, and National Western’s products are much more specific. They both offer great benefits, but to decide what is best for you, you would need to contact them to discuss and weigh your options. Not every policy is right for every person, and the agents can help you decide what is best.

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