top of page

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.



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

Available States

bottom of page