The listings featured on this site are from companies from which this site receives compensation. This may influence where, how and in what order such listings appear on this site
BestMoney logo

Americo Senior Life Insurance Review

Reviews 744
Americo
Visit Site
Americo
Americo
Excellent
Reviews 744
Michael Graw
Jan. 30, 2023
2 min read
Michael Graw
Americo Summary
Americo Senior Life offers whole life insurance policies with rates that never increase. Your policy is never cancelled or changed due to age or health conditions, and there’s no medical exam required in order to sign up. You can get a quote online in minutes and qualify for up to $30,000 in benefits. Americo Senior Life has been operating for over 100 years and has an A rating with A.M. Best and an A+ rating with the Better Business Bureau.

Pros

  • Your premiums never increase
  • No medical exam required
  • Fully online application process

Cons

  • Only whole life insurance policies available
  • Relatively high premiums

Americo at a glance

8
Editorial score

Coverage type

Offers both term and whole life insurance with no medical exams required. Payouts of over $2 million
10.0

Customization of policies

Customizable rates and deductibles, upgrades and downgrades available, decide whether to buy with an agent or buy online
10.0

Customer services and support

Multiple communication options, ability to speak to an agent
8.0

Online experience

Online application but no learning resources, long process
6.0

Direct insurer?

Marketplace with direct purchase available in site
6.0

Americo Americo Visit Site

Who Can Benefit From Americo Senior Life?

Americo Senior Life is ideal for individuals who want a whole life insurance policy. In contrast to term life insurance, whole life policies never expire and your rates never increase as long as you pay your monthly premium. Americo Senior Life also stands out in that it does not require a medical exam in order for you to receive coverage. All you have to do is answer several questions about your health during the online application process.

Features

Americo Senior Life offers whole life insurance policies that never expire and are never cancelled due to age or changing health. Coverage options range from $2,000 to $30,000 depending on your age and health at the time of applying. There is no medical exam required to sign up for a policy. 

Your policy rate is locked in for as long as you pay your monthly premiums. If you’re not satisfied with Americo Senior Life after signing up, you can request your money back within 30 days with no questions asked. 

  • Whole life policy never expires
  • Your premiums never go up
  • Get coverage up to $30,000
  • No medical exam required
  • Fully online application process
  • 30-day money-back guarantee

Application Process

You can apply for a life insurance policy with Americo Senior Life online. Simply enter personal details like your name, address, and age, and then answer a few questions about your medical history. There is no medical exam required to qualify for a policy.

Americo Senior Life will offer several quotes for varying levels of coverage and you can be pre-approved for your chosen policy in minutes. Policy documents are delivered via email within 1-2 business days, so you can finalize your policy online.

Policy Types and Terms

Americo Senior Life offers customized whole life insurance policies based on your age, health, and location. Policies range in coverage from $2,000 to $30,000. As long as you pay your monthly premium, your policy will never expire and your rate will never go up. 

  • Whole life insurance coverage never expires
  • Coverage up to $30,000
  • No medical exam required

How Safe Is It? 

Americo Senior Life is a division of Americo Life, Inc., which underwrites its own policies and has been in business for more than 100 years. Americo Life, Inc. has an A rating with A.M. Best and the company has an A+ rating with the Better Business Bureau. The company also has more than $1 billion in in-force life insurance policies.

Your online application with Americo Senior Life is protected with SSL (Secure Socket Layer) encryption. You do not need to enter payment information in order to get a quote or be pre-approved for a policy.

Help & Support

You can contact Americo Senior Life by phone from 8AM to 5PM (CT) Monday to Friday. You can also get in touch with Americo Life, Inc., the parent company of Americo Senior Life, by email.

Phone: (855) 969-3952

Email: customer.service@americo.com

Bottom Line

Americo Senior Life offers whole life insurance policies that never expire and never raise your premiums. You don’t need a medical exam to qualify and you can complete the application process online in minutes. Americo Senior Life offers up to $30,000 in coverage depending on your age and health. Americo Life, Inc., the parent company of Americo Senior Life, has an A rating with A.M. Best and an A+ rating with the Better Business Bureau.

Physical Address

Americo Life, Inc., 1055 Broadway Blvd., Kansas City, MO 64105

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
Top Life Insurance
Ethos
Ethos
Read Review|Visit Site
Read all reviews

Must Reads

I’m In My 20s or 30s. Do I Need Life Insurance?
Mar. 28, 2024
Unique Life Insurance Perks
Mar. 28, 2024
What Senior Citizens Should Consider When Choosing a Life Insurance Provider
Mar. 28, 2024
Read all articles
Trustpilot reviews
See what some customers are saying about Americo
Excellent • Reviews 744
on
Excellent
87%
Great
9%
Average
1%
Poor
0%
Bad
3%
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
Sort by
pL
patsy Labossiere-Mcghee
1 year ago
The sales rep Kathy was very thorough…
The sales rep Kathy was very thorough and pleasant.
JR
JANET Roeda
1 year ago
Good people and Service
Good people and service.
NM
Nancy M
1 year ago
My salesman
My salesman, Arron Howard explained everything clearly to me and followed up with me in a timely manner. I feel he went on and above to answer all my concerns and get my application processed.
JS
Jack Swain
1 year ago
Very helpful phone assistant.
Very helpful phone assistant.
SB
SARAH BENJAMIN
1 year ago
Greg Block did an outstanding job…
Greg Block did an outstanding job dealing with all the kinks in the path to my new policy and helping me zero in on what I needed - just in time!!! Many thanks! this in spite of the poor telephone technology redirecting calls from Chris to my voicemail instead of my phone. I couldn't keep in contact with Chris, therefore. Calls to him went directly to company voicemail. NOT HELPFUL!!!!
1
2
3
...
20