Mutual insurer with top J.D. Power satisfaction ratings and whole-life dividend eligibility.
Get started at Amica Life Insurance Company (a subsidiary of Amica Mutual) → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Buyers who want a traditional agent-channel mutual insurer with J.D. Power-leading customer service and whole-life dividend participation.
Amica Life — Mutual insurer with top J.D. Power satisfaction ratings and whole-life dividend eligibility. Best for: Buyers who want a traditional agent-channel mutual insurer with J.D. Power-leading customer service and whole-life dividend participation.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Amica Life Insurance Company holds an A+ (Superior) financial strength rating from A.M. Best, meaning it is well-positioned to meet long-term policy obligations. Amica Mutual consistently places at or near the top in J.D. Power's annual Life Insurance Satisfaction Study, indicating strong customer experience across policy service and claims. Amica is a mutual insurer — it is owned by its policyholders rather than shareholders. Whether Amica is the right carrier for you depends on your coverage type, budget, and preference for agent-channel service versus digital self-service.
Eligible whole-life policyholders may participate in Amica Mutual's dividend program. Dividends on participating policies are declared annually by Amica's board and are not guaranteed. Term life policies from Amica do not carry dividend eligibility. If dividend participation is a priority, confirm the specific policy's participating status before purchasing.
Yes. Amica offers level term life insurance in 10-, 15-, 20-, and 30-year terms. Amica's term policies include a conversion privilege — you can convert to a permanent policy (whole life or universal) without undergoing a new medical exam, which is valuable if your health changes during the term. Apply through an Amica representative or get an initial quote at amica.com.
Amica serves most U.S. states, but product availability and premium rates vary by state. A small number of states may have limited access to specific policy types. Confirm availability in your state at amica.com before proceeding with an application, as state insurance regulations affect what products can be offered locally.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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