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 vs Tennesse Farmers Life Insurance

Thinking about what will happen to our loved ones when we die is not a pleasant experience, but if you would like your family to be looked after once you have gone, then life insurance is something that you have to consider early in life.

Often, the pay out from life insurance can help your family to pay funeral expenses and continue to maintain their quality of life even after you are gone.

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Similarly, we all hope that we are not involved in some kind of accident that leads to disability, or that our cars will not get damaged in an automobile accident. However, these events can happen, and having insurance cover will give you peace of mind that you are covered for any of these unfortunate events.

Deciding on a company to provide insurance cover, be it life insurance, automobile insurance or household insurance is a massive decision that can make a world of difference in your life when the time comes to make a claim.

This article series aims to compare two popular insurance companies to empower you to make a decision that best suits your lifestyle and insurance needs.

Amalgamated Life vs Tennessee Farmers Life Insurance

In this particular article, we will be pitting Amalgamated Life against the Tennessee Farmers Life Insurance Company to provide you with all the information about these companies that you need to make an informed decision on your insurance service provider.

Background on Amalgamated Life

Amalgamated Life is one of the leading labor insurance companies in the United States, and aims to offer affordable life insurance, disability insurance and accident coverage to working people. They also provide benefits packages to unions and companies that allow workers, who may not have been able to afford quality insurance on their own, the opportunity to access the full insurance cover that Amalgamated Life provides.

Amalgamated Life specializes in:

  • Life coverage for groups as well as individuals
  • Medical insurance
  • Medical stop-loss insurance
  • Long and short term disability cover
  • Health and pension administration
  • Benefits communication programs
  • Medical Management
  • Printing and fulfillment services
  • Mainframe computer services

The clients of Amalgamated Life include people from all walks of life, including union members, union leaders, brokers, consultants, fund administrators and non-union working members.

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Life Insurance Options from Amalgamated

The life insurance offered by Amalgamated Life aims to protect the financial security of the family of the policy holder, to ensure that they are well looked after in the event of the policy holder’s death. They offer a group term life policy with the following features:

  • Flexible amounts of benefits that can be individually tailored
  • Option to convert to an individual permanent policy
  • Differing contracts, rated by experience, for age groups
  • Insurance by a union-label insurance company that is A rated

As well as the standard life insurance policy, there are a number of additional coverage options that can be added. The first is dependant life for the member’s spouse and children. The spouse can be covered for up to 50% of the member’s cover, up to a maximum amount of $100 000, while each child will be covered for $4000.

Another add on option is retiree life coverage as part of an employee’s retirement package. Finally, the supplemental life option provides additional monetary cover in the case of the member’s death.

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Medical Stop Loss Coverage

Amalgamated Life is an AM Best “A” rated carrier, meaning that they are able to provide timely responses to Requests for Proposals (RFPs) and discounts on medical management services.
Features of the medical stop loss cover include:

    • Flexibility on claims
    • Liability limit of $5 million
    • Specific extension
    • Options for terminal liability
    • Specific extension
    • Aggregate Extension
    • Taft-Harley and TPA affinity
    • Timely claims turnaround
    • Disability Insurance
      Amalgamated Life vs Tennessee Farmers Life Insurance Disability

Amalgamated Life provides both short-term disability and long-term disability.

Members receive income protection for all disability inducing events, particularly non-worksite related events such as accident or illness. It also covers the loss of productivity incurred by the company. Both long and short term disability cover can be contributory or non-contributory.

Tennessee Farmers Life Insurance Company

Tennessee Farmers Life Insurance Company provides life insurance coverage, automobile policies and homeowners insurance. Despite the name of the company, Tennessee Farmers Life Insurance Company does not limit its covers to farmers – all citizens of Tennessee can benefit from their affordable insurance cover.

Tennessee Farmers Life Insurance Company is one of the largest insurance companies in the state, currently serving close to a million members.

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Tennessee Farmers’ Life Insurance Options

Amalgamated Life vs Tennessee Farmers Life Insurance Company Family

Tennessee Farmers Life Insurance Company is one of the leading life insurance writers in Tennessee, and is highly rated by insurance rating companies. It offers a wide range of life insurance policies so you can find the one that fits your personal needs, and rest in peace knowing that your family is taken care of in the event of your death.

Standard life insurance cover includes:

  • Replacement of your lost income (generally 5 to 10 times your annual income) so your family remains supported
  • Mortgage Payoff
  • Debt Replacement, including credit card debt
  • Funeral Expenses
  • Children’s Education Fund
  • Estate Planning Services

Life insurance policies can be purchased in 3 forms, Term Life, Whole Life and Universal Life.

  • Term Life: This form of life insurance is purchased to cover you for a temporary period. Terms available are 1, 10, 20 and 30 years. This is a low cost form of insurance and aims to cover temporary needs such as replacing lost income or mortgage repayment.
  • Whole Life: This is lifelong protection with guaranteed premiums, a guaranteed death benefit and a cash value amount that accumulates each year that the policy is in force.
  • Universal Life: Lifelong insurance protection with flexible premiums and increasing death benefits. This option allows you to tailor your policy as your needs change throughout your life.

Homeowners Policies

Amalgamated Life vs Tennessee Farmers HomeTennessee Life Insurance Company offers a comprehensive homeowners insurance policy that includes coverage for the home, farm and rental property. Commercial coverage for small businesses is also offered.

In addition, the company offers other forms of property insurance, including cover for mobile homes and condominiums, fire insurance cover, personal umbrella liability for those who are looking for additional liability cover, and boat, motor and trailer cover.

Both Amalgamated Life and Tennessee Farmers Life Insurance Companies are well respected insurance companies with good track records and high levels of customer satisfaction.

Whichever company you decide to go with, be sure that you are fully informed about all the insurance policies available for you, so that you can find the company that is best suited for your own needs. Insurance is something that needs to be personalized to your own specific financial situation and coverage needs.

Find out which provider has the best rates for you by entering your ZIP code into the FREE insurance quote box now!