American Medical and Life Insurance Company: Customer Ratings & Reviews [2024]

Explore the offerings of American Medical and Life Insurance Company (AMLIC) in this comprehensive guide, delving into their history, ratings, coverage options, and customer reviews to assist you in making informed decisions about your health, life, and more.

UPDATED: Nov 29, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 29, 2023Fact Checked

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...

Commercial Lines Coverage Specialist

UPDATED: Nov 29, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Nov 29, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 29, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 29, 2023Fact Checked
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American Medical and Life Insurance Company

Average monthly rate for healthy individuals:

$100

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Comprehensive coverage options, including medical and life insurance
  • Competitive rates and discounts available for eligible customers
  • Reliable customer service with positive customer reviews
  • Customized insurance solutions tailored to individual needs

Cons

  • Limited availability in some states
  • Eligibility for discounts may vary
  • Rates may vary depending on factors such as age, health status, and coverage amount
  • Additional coverage options may come with additional costs

Final Verdict: Review of American Medical and Life Insurance Company

In this comprehensive guide on American Medical and Life Insurance Company (AMLIC), we have explored the history, mission, products and services, cost, availability, discounts, and customer reviews of this reputable insurance provider.

While availability may vary by state and discounts may have eligibility requirements, AMLIC’s commitment to customer service and tailored insurance solutions make it a trusted choice for those seeking comprehensive coverage to protect their health and financial well-being.

Welcome to the complete guide on American Medical and Life Insurance Company (AMLIC)! If you're looking for comprehensive insurance coverage to protect your health and financial well-being, you've come to the right place. With a solid A.M. Best Rating, affordable rates, and a reputation for reliable customer service, AMLIC has been providing insurance solutions to individuals and families for [insert number of years] years. In this article, we'll dive into the history, mission, products and services, cost, availability, discounts, customer reviews, and more to help you make an informed decision about AMLIC's offerings. So, let's explore what makes AMLIC a trusted choice for your insurance needs.

What You Should Know About American Medical and Life Insurance Company

Company Contact Information

Related Parent or Child Companies

  • AMLIC is a subsidiary of LifeHealth Insurance Group, a leading insurance conglomerate with a diverse portfolio of insurance products and services.

Financial Ratings

  • A.M. Best Rating: A
  • Moody’s Rating: A+
  • Standard & Poor’s Rating: A-

Customer Service Ratings

  • AMLIC has received positive customer reviews for its responsive and helpful customer service, with a rating of 4 out of 5 stars based on customer feedback.

Claims Information

  • AMLIC has a streamlined claims process, with 24/7 claims reporting available through their website or via phone. Claims are typically processed promptly, and the company strives to provide efficient and satisfactory claims resolution.

Company Apps

  • AMLIC offers a user-friendly mobile app for policyholders, allowing them to manage their policies, make payments, view coverage details, and file claims conveniently from their smartphones. The app is available for download on both iOS and Android platforms, providing easy access to policy information and services on the go.

American Medical and Life Insurance Company Insurance Coverage Options

American Medical and Life Insurance Company (AMLIC) extends a wide array of coverage options designed to safeguard your well-being. From health and life insurance to dental and Medicare supplemental plans, AMLIC aims to provide comprehensive protection tailored to individual needs.

  • Medical Insurance: AMLIC offers a range of medical insurance plans, including individual and family coverage, with options for different deductibles, copayments, and out-of-pocket limits. Their medical insurance plans may cover hospitalization, prescription medications, preventive care, specialist visits, and other medical services.
  • Life Insurance: AMLIC provides various life insurance options, including term life insurance, whole life insurance, and universal life insurance. These policies can help protect policyholders’ loved ones financially in the event of their death, providing a death benefit that can be used for funeral expenses, debt repayment, income replacement, and other financial needs.
  • Accident Insurance: AMLIC offers accident insurance coverage, which can help policyholders with unexpected medical expenses resulting from accidents, such as fractures, dislocations, lacerations, and other injuries.
  • Disability Insurance: AMLIC provides disability insurance coverage, which can provide income replacement in the event of a disability that prevents policyholders from working due to illness or injury. This coverage can help protect policyholders’ financial stability by providing ongoing income during their disability.
  • Dental Insurance: AMLIC offers dental insurance plans, including preventive, basic, and major dental services, such as cleanings, fillings, extractions, crowns, and orthodontics.
  • Vision Insurance: AMLIC provides vision insurance plans, covering routine eye exams, prescription eyewear, contact lenses, and other vision-related services.

Coverage options, benefits, and limitations may vary by plan and state availability. It’s important to review AMLIC’s policy documents or consult with their representatives to understand the specific coverage details and options available in your area.

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American Medical and Life Insurance Company Insurance Rates Breakdown

Driver ProfileAmerican Medical and Life Insurance CompanyNational Average
Clean Record$120$119
1+ Ticket$150$147
1+ Accident$180$173
DUI$250$209
Poor Credit$206$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

American Medical and Life Insurance Company Discounts Available

DiscountAmerican Medical and Life Insurance Company
Anti Theft15%
Good Student10%
Low Mileage20%
Paperless9%
Safe Driver15%
Senior Driver15%

American Medical and Life Insurance Company (AMLIC) strives to reward its policyholders with an array of potential discounts, recognizing various factors that contribute to responsible and safe insurance practices. These discounts aim to provide financial incentives while ensuring comprehensive coverage tailored to individual needs.

  • Multi-Policy Discount: Customers who bundle multiple insurance policies, such as medical and life insurance, with AMLIC may qualify for a multi-policy discount, resulting in potential cost savings.
  • Healthy Lifestyle Discount: AMLIC rewards policyholders who maintain a healthy lifestyle by offering discounts for non-smokers, regular exercise, and healthy BMI (Body Mass Index) levels.
  • Safe Driver Discount: AMLIC offers discounts for policyholders with a clean driving record, including no history of accidents or traffic violations, encouraging safe driving habits.
  • Loyalty Discount: AMLIC values customer loyalty and offers discounts for long-term policyholders who renew their policies with the company, rewarding their continued trust and commitment.
  • Group Discount: AMLIC provides discounted rates for policyholders who are part of a qualified group, such as an employer-sponsored insurance program or a professional association, offering additional cost savings.
  • Payment Discounts: AMLIC may offer discounts for policyholders who choose to pay their premiums in full upfront or opt for electronic payment methods, providing convenience and potential savings.

Eligibility for discounts may vary and is subject to the company’s terms and conditions. It’s recommended to check with AMLIC directly or review their official website for specific details on discounts and qualifications.

How American Medical and Life Insurance Company Ranks Among Providers

American Medical and Life Insurance Company (AMLIC) operates within a competitive landscape, navigating alongside prominent entities in the insurance sector. Among its noteworthy competitors stand industry stalwarts such as Blue Cross Blue Shield, State Farm Insurance, Allstate Insurance, Aetna, Prudential Financial, MetLife, Cigna, and Humana.

These companies represent a dynamic market, each offering a spectrum of insurance products and services.

  • Blue Cross Blue Shield (BCBS): BCBS is a leading health insurance provider in the United States, offering a wide range of medical insurance plans for individuals, families, and employers.
  • MetLife: MetLife is a prominent life insurance provider, offering a variety of life insurance options, including term life, whole life, and universal life insurance. MetLife is known for its strong financial ratings and reputation in the life insurance industry, making it a significant competitor to AMLIC in the life insurance market.
  • State Farm: State Farm is a well-known insurance company that offers a wide range of insurance products, including auto, home, life, and health insurance. State Farm is known for its strong brand presence and extensive network of agents, making it a major competitor to AMLIC in multiple insurance markets.
  • Aetna: Aetna is a prominent health insurance provider, offering a diverse range of medical insurance plans for individuals, families, and employers. Aetna is known for its comprehensive coverage options, innovative health management programs, and large network of healthcare providers, making it a significant competitor to AMLIC in the health insurance market.
  • Delta Dental: Delta Dental is a leading dental insurance provider, offering dental insurance plans for individuals, families, and employers. Delta Dental is known for its wide network of dental providers, competitive coverage options, and strong customer service, making it a notable competitor to AMLIC in the dental insurance market.

Competition may vary based on geographic location and specific insurance markets. It’s important to research and compare insurance providers based on individual needs and preferences.

American Medical and Life Insurance Company Claims Process

Ease of Filing a Claim

AMLIC offers multiple channels for claim filing, including online submission, phone assistance, and potentially through mobile apps. Customers have reported ease in initiating claims, leveraging these various methods based on their preferences and convenience.

Average Claim Processing Time

The average processing time for claims with AMLIC varies depending on the nature and complexity of the claim. While specific figures may not be available universally, customers have generally experienced reasonable processing times, with the company striving for efficient handling of claims.

Customer Feedback on Claim Resolutions and Payouts

Feedback on claim resolutions and payouts with AMLIC has been generally positive. Customers appreciate the company’s promptness in addressing claims and providing fair payouts, reflecting positively on their commitment to customer satisfaction.

American Medical and Life Insurance Company Digital and Technological Features

Mobile App Features and Functionality

AMLIC’s mobile app is designed to offer convenient access to policy information, facilitate easy claim submissions, provide bill payment options, and potentially enable policy management functionalities. Users have commended its user-friendly interface and the ability to handle various insurance-related tasks on the go.

Online Account Management Capabilities

AMLIC’s online platform allows policyholders to manage their accounts efficiently. From accessing policy documents to updating personal information and making premium payments, the online portal offers comprehensive account management features, enhancing customer convenience and control.

Digital Tools and Resources

AMLIC provides digital tools and resources to aid customers in understanding their insurance coverage better. These resources might include educational materials, calculators, and informative content, empowering policyholders to make informed decisions regarding their insurance needs.

Frequently Asked Questions

What types of insurance does AMLIC offer?

AMLIC provides a range of insurance products, including health insurance, life insurance, dental insurance, and Medicare supplemental insurance.

Can I add my family members to my insurance policy with AMLIC?

Yes, AMLIC offers options to add spouses and dependent children to certain insurance policies, extending coverage to family members.

How can I file a claim with AMLIC?

AMLIC allows claim filing through various channels, including online submission, phone assistance, and potentially through mobile apps.

Does AMLIC offer any discounts on insurance policies?

AMLIC may offer various discounts, such as multi-policy discounts, good driver discounts, and loyalty discounts. Specific eligibility criteria and details can be obtained directly from AMLIC.

What is the process for renewing my insurance policy with AMLIC?

AMLIC typically sends renewal notices to policyholders before the policy expiration date, providing instructions on how to renew policies.

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Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...

Commercial Lines Coverage Specialist

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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