American Amicable/Occidental
American Amicable is a full-service final expense company. Field sales only and E & O insurance is not required. For agents in IA, MA, MI, NJ, RI, and VT Occidental Life is available. You must be appointed with the company before you can write business.
American Amicable does have the social security drafting option for policy payments.
This company does take POS calls on Saturday's from 9am to 7pm CDT.
New ROP with higher commission rates! The new ROP Non-Med Term product will match the rates on the existing non-ROP product starting December 12, 2016. Revised product brochures, agent guides, adn quoting sheets for the ROP products will be available online beginning December 8th.
FIRST APPLICATIONS MUST BE SUBMITTED TO THE HOME OFFICE VIA FAX OR APP DROP
Final Expense:
Not Available in: ME, MT, or NH. ROP not in AR
E-application available in FL ONLY
Golden Solutions:
Ages 50-85. Minimum $2,500.00
Immediate Death Benefit:
Ages 50-75. Maximum $35,000.
Ages 76-85 maximum $20,000
Graded Death Benefit:
Ages 50-85. Maximum $20,000
Return of Premium Death Benefit:
Ages 50-85. Maximum $20,000
A telephone interview is no longer required for ages 50-85 using the companies mobile application and the "Sign on Screen" signature. Approvals will be given in seconds. If an interview does end up being required, it should be done at point-of-sale within the application.
Family Choice:
Ages 0-49. Minimum $10,000
Immediate Death Benefit:
Ages 0-49. Maximum $35,000
Return of Premium Death Benefit:
Ages 18-49. Maximum $20,000
Optional Riders:
Grandchild Rider
Child Rider
Nursing Home
Accidental Death Benefit
No Cost Benefits:
Terminal Illness Accelerated Benefit
Accelerated Benefit Rider
Other Products:
Easy Term with or without ROP: Over-The-Phone applications now available. Not available in ME, MT, NH, no ROP in VT
Easy UL: Not available in ME, MT, NH, NJ, PA, VT
Financial Lifeline: Not available in ME, MT, NH, VT
Home Protector: Not available in MD, ME, MT, NH, OR, VT, WA, no ROP in MN or PA
Nursing Home: Not available in CA, MA, ME, MT, NH, PA, WA
UL Performer: MA,ME, MT, NE, NH, NJ, PA, VT
Product Description
