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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."
A nurse came to my home and took blood and urine samples. The lab results showed I'm in excellent health in every category. Then...radio silence. For a whole month. Eventually I reached out to V, and she responded with new rates 75% higher than originally quoted! The supposed letter of explanation said only that I was placed in a higher risk category because of my "history of depression," with no details. V said on the phone that I could reapply for the standard rate after 5 years "depending on the stability," because apparently the first 17 years weren't enough.
I'm 34 years old, normal weight, low blood pressure, and have never drunk alcohol or smoked anything in my life. On highways, I annoy everyone behind me by sticking religiously to the speed limit. I applied for a 30-year term policy because that's the longest Amica offers, and I expect to live into my 80s or 90s like most of my relatives. I'm probably the most boring, risk-averse person you'd ever meet. There's no logical justification to charge me 175% of the standard rate, which was already quite high. As the final insult, V tried to downplay the outrageous increase by saying other Amica ratings "can go up as far as 350+%". If you've ever brought up any kind of health concern to your doctor, even a very long time ago, don't waste your time applying to Amica for life insurance.
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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.
Down the line, AMICA LIFE acted very unprofessionally and just found excuses to try to charge me a much higher premium. And the messenger... This agent... Was the worst customer service person I've dealt in my whole life. I have been with AMICA Insurance for many years (home, cars, umbrella, rental properties) and this attitude from AMICA LIFE made me rethink if AMICA is a company I want to trust with my insurance needs. I'm already quoting other companies for ALL my insurance needs.
Hi Carlos. We’re sorry to hear this, and this is not the experience we want you to have. Please send an email to firstname.lastname@example.org with your contact information and we’ll have someone reach out to you directly to discuss your experience with you. Thank you.
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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.
Long story short, she denied because of a med I have been on for battered woman issues, after the other woman approved me and gave me a quote. BAD BUSINESS. Then the Supervisor called me back and said I was an investment risk, mind you I had to discuss my relationship status already to ensure I was not a risk, no men in my life. HAHA THIS COMPANY WAS UNPROFESSIONAL!!
Hi Sharon. We’d like to discuss your concerns with you. We’ll have a representative reach out to you directly. Thank you.
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.
Subject to health exam, being completely candid with the broker, it looks like I can get a replacement policy for the same death benefit of $250,000 with a different insurer for less than half as much. I might also qualify for double the death benefit for less than what I paying Amica, and that would also extend the fixed premium period for 2 years more as I am two years into the Amica ten year level term policy. Amica counts on their policyholders to not be proactive in seeking a better deal. They would rather lose a customer than give a deserving customer a better deal. Shame on them.
Hi Steven. We’d like to discuss your concerns with you. Please send an email to email@example.com with your contact information and we’ll have someone reach out to you directly. Thank you.
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!
Hi Terri. We’d like to discuss your concerns with you. We’ll have someone reach out to you directly. Thank you.
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.
When we called to make a claim they send a kid right out of college to do the assessment. Only took photos of the roof... stood on a ladder and never got on the roof. We had our dining room ceiling spotted, damaged and still wet. There is rain that comes down a waterfall over the sliding glass doors and onto the floor. He decides to go in the attic to look under the roof. I told him and then showed him there was a plank going directly to where the leak was. He decides to go around the plank and FALLS THROUGH OUR CEILING!..
Calls me back and says he has done the estimate and sent it to the TOP. Says there is no visible issue with the roof... Let's not mention.. IT LEAKS! Regrets to tell me that we are just under our deductible which is $2,440... Our deductible is $ 2,500. Anyone surprised? Never mentions the fall. When I bring that up... he says they have already sent a check with the estimate.... THEY determined what it would cost.
Now... I have a medicine sized hole in my ceiling...with insulation falling through. I now have no choice... because if I fix the hole which I must do... it has to match the rest of the ceiling...which I don't have the money for. Let's just not talk about... I can't fix the ceiling until I replace the $11,500 roof...which has no visual damage. So instead of dealing with the stained ceiling and figuring out how to find around $14,500 to fix my largest investment.
Response to all of this... "Well that's the way it is... Nothing I can do." Wonder if they stopped getting the check what would happen? Nothing!!! They will always have plenty of customers... right? Shall I begin to name the giants that have fallen with this attitude? DO NOT BE FOOLED by the excellent customer service training their call center has. They are the best... but the proof of an insurance company is how they solve problems and actually treat their customers when it is time to perform. Beware! I am going to be very curious to see if this post continues to stay alive.... I plan to copy and paste this over and over and use it on different accounts to make sure all is known.
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.
Amica Life Insurance Company Information
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