Amica Life Insurance

We're Amica customers for our home and auto policies. We've been pleased with their customer service in those departments, so I applied for life insurance expecting the same quality. The life insurance department is like a completely different, much worse company. First, the agent I was assigned to (I'll call her V) claimed they offer no discounts or bundles for current customers with other policies, like the Amica website says they do. Second, the paramedical person who completed my application made egregious mistakes. V called me back and condescendingly explained that my rates would be higher "because of the attempted suicide." I have never attempted suicide! Like 10% of American adults, I have a history of moderate (now mild to nonexistent) depression, but I've been stable for 17 years with no impact on my physical health, education and career, etc. My doctor's notes in my medical records specify "no S/I."

During the application, I disclosed all medications currently in use and the quote was what I expected - with full disclosure of medications used. Amica then told me a nurse would come to my place to do blood work. The person showed up one week later, after I complained. The results of my health check came GREAT and in line with my application. Then AMICA went silent for a while. Yesterday I called customer service and was literally mistreated by a very obnoxious agent who told me I was approved, but at a premium 80% higher!!! This snobbish, pathetic agent told me that the underwriter took in account a report they obtained saying I was in used of the medication which I had already disclosed during the application process. Also said I had respiratory issues, which I don't... I have allergies.

I was give a policy quote by Denise on about 5/15/22. Initially I was happy with the quote and wished to proceed with payment on 6/3/2022. Denise said she would call me on that date. When she didn't call I called, got someone named Sherri who treated me with dishonesty telling me she never found my records, she did this interrogation all over and added questions I have never encountered except in harassment. What medication are you on? What?? To damn personal and when I answered, I said I have been on it 25 years, had to discuss personal history I wouldn't want to discuss with anyone.

I have a ten year level premium term policy that is set to expire in 2028. When they first quoted me in writing they followed up with a phone call to say they had misread my year of birth and the premium would be a bit higher each month. No way to do business. I believe that life insurance premiums have come down in general lately and my health actually improved a bit since I took the policy as my A1C is under very good control now with medication. I asked if they would consider offering me a new policy to replace my old policy (willing to go through the health exam and review of my health records). They refused. They said it is their policy to only consider it if I had been a tobacco user and I have now been free from tobacco for over 12 months. This was arrogant and anti-consumer and forced me to call a broker to seek another life insurance company to see if I could do better.

I applied for life insurance in August 2018, and as of March 2019, Amica's underwriters have still not managed to approve or disapprove a life insurance policy for me. Either I have provided them with every document they requested or my health care providers have. I am healthy and take one maintenance prescription. The sales rep is extremely embarrassed by the whole thing and has run out of excuses. How they manage to stay in business is beyond me. What a huge waste of time!

BUYER BEWARE!!! Have you noticed that Amica has taken the review section off this page? Wonder why? There would be hundreds of complaints and true life stories such as mine. We had a windstorm that blew off shingles... the leak started a week later when the rain did. We had a roofer replace the shingles, and yet there was a leak. We had several estimates by roofers who spent over 30 minutes on our roof.

I have recently had to change my address and change of beneficiary. Customer service was extremely helpful. I received my paperwork in the mail in a timely manner. My information was updated in a timely manner. My experience was handled very efficiently.

Very satisfied. Would definitely recommend to family, friends and coworkers. I have actually referred several of my relatives and their friends to this life insurance company. They have reasonable rates & great customer service skills. Every time I have an issue, question or concern whoever I talk to not deal with is always pleasant, knowledgeable and very helpful so that whatever I am contacting them in regards to gets solved.

Very friendly and knowledgeable about the kinds of insurance. Haven't had insurance long enough to give much of a rating but so far am satisfied with company.

Love this company. Very customer service focused. I have never had any issues with them and they go over and above what is required of them. I have been with them for over 15 years and I have my auto insurance and homeowners insurance with them as well. On the rare occasions that I have to file a claim, I found the process to be easy and the claim was handled expeditiously.