American Amicable Life Insurance helps people protect themselves with different types of life insurance, like whole life, term life, and universal life insurance. If you have a policy with them, you might see charges on your bill because they offer subscription-style payments called Express Pay, where you can easily pay your premiums using a credit or debit card. You can also manage your policy online anytime to keep track of your payments and coverage. So basically, if you're getting billed by them, it's probably for your life insurance premium that you can conveniently pay online.
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The cancellation requires filling out a detailed cancellation request form or calling customer service with a policy number and verifying identity, which is moderately straightforward but involves multiple steps and possible wait times to speak with a representative.
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minutes to cancel a American Amicable Life Insurance subscription.
How to Cancel American Amicable Life Insurance: Step by Step
If you purchased through Phone:
- Call customer service at 1-800-736-7311.
- Ask to speak with a representative.
- Provide them with your policy number and customer information.
- Request cancellation of your coverage and monthly premiums.
- Wait for a confirmation letter or email regarding the cancellation.
If you purchased through Online:
- Visit the cancellation form: Policy Cancellation Form.
- Fill out the required information on the form.
- Submit the form according to the instructions provided.
- Await confirmation of your cancellation via email or mail.
Tips & Tricks for Canceling American Amicable Life Insurance
- Call the American Income Life home office at 800-433-3405 and request a cancellation form immediately.
- Fill out and send the cancellation form via email or certified mail and insist on a confirmation receipt.
- Record your calls with customer service for evidence.
- If cancellation confirmation is delayed, file a complaint with the state Department of Insurance and the Better Business Bureau.
- Threaten legal action or consumer protection complaints if the company continues billing after cancellation request.
- Make sure to state exact cancellation language and clarify if separate forms are required for each insured person.
- Attempt stopping payments through your bank if repeated charges occur after requesting cancellation.
- Be persistent and polite but firm with representatives; escalate to supervisors if needed.
- Cancellation may take months, so be prepared for extended follow-up and keep documentation of all interactions.
- Check online forums and sites for the most recent cancellation letter templates to use as a reference for your communication.
American Amicable Life Insurance Customer Service Info
If you need assistance, here's how you can get in touch with American Amicable Life Insurance's support team.
Cancel American Amicable Life Insurance Script
Script
Copy
Dear American Amicable Customer Service,
I hope this message finds you well. I am writing to formally request the cancellation of my subscription with American Amicable Life Insurance. Unfortunately, I can no longer maintain this subscription due to financial constraints.
I appreciate the services provided and thank you for your understanding. Please confirm the cancellation at your earliest convenience.
Thank you for your assistance.
Best regards,
Frequently Asked Questions
American Amicable Life Insurance requires policy owners to complete a Policy Cancellation Request form to cancel their policy, providing key information such as policy number, insured’s and owner's details, and reason for cancellation. The owner must select how to receive any policy values (direct deposit or check), handle tax withholding if applicable, and include a valid ID with the signed and dated form for processing.
To cancel your American Amicable Life Insurance policy, you can call their customer service at 800-736-7311 and request cancellation by providing your policy number and customer information. You do not need your password to cancel over the phone. However, if you want to manage your policy online, including cancellations, you will need your password. If you forget your password, you can reset it on their website where it says "Forgot your Password?" at: https://www.americanamicable.com/CGI/PolDisplay.cgi
- Difficulty contacting the company to cancel a policy.
- Duplicate or unauthorized withdrawals from customers’ bank accounts.
- Receiving policies not knowingly signed up for.
- Requests for sensitive information (e.g., bank details) before processing cancellations.
- Delays or holds on refunds related to cancellations.
- Being charged for multiple active policies without clear communication.
- American Amicable policies are considered expensive compared with other companies.
- Return of premium plans have a waiting period which may delay full benefits.
- Cancellation requires a formal Policy Cancellation Request form including personal and policy information which some find cumbersome.
- Refunds may be delayed for up to 30 days depending on premium amount.
American Amicable Life Insurance allows you to cancel your policy at any time by contacting customer service or submitting a cancellation request form. However, any refund or value returned upon cancellation is based strictly on the terms and conditions of your specific policy contract, and there may be tax implications for any cash surrender value. There do not appear to be explicit early cancellation fees or lock-in gimmicks, but refunds may be partial and determined by the contract terms, so it's important to review your policy details carefully before canceling.
Before cancelling your American Amicable Life Insurance policy, be aware that you may face surrender charges if you cancel before a certain period, as these fees compensate the insurer for issuance costs. Cancelling results in losing all financial protection and benefits tied to the policy, which can impact your and your loved ones' financial security, so it's important to have an alternative plan to cover the gap. Additionally, cancellation may affect your insurability in the future, potentially leading to difficulties or higher premiums when obtaining new life insurance due to changes in health or age. Lastly, it is advised to fully understand your policy's features and consider consulting a financial advisor to ensure cancellation aligns with your broader financial goals.
- Policy Number
- Insured’s Name
- Policy Owner Name
- Policy Owner Date of Birth
- Policy Owner Address (including City, State, Zip)
- Policy Owner Social Security Number
- Policy Owner Phone Number
- Policy Owner Email Address
- Reason for cancellation
- Disbursement preference (Direct deposit with Routing and Account info, or physical check)
- Tax withholding selection (Do NOT withhold taxes / Withhold taxes)
- Policy Owner Signature and Date
- Type of Account for deposit (Checking or Savings, if applicable)
- Valid Form of ID (State ID, Driver’s License, Passport, Military ID; not expired)
We've actually written a step by step guide on how to get a refund from American Amicable Life Insurance. Check it out!
The Easiest Way to Cancel American Amicable Life Insurance
If you’re frustrated trying to cancel your subscription, membership, or bill from American Amicable Life Insurance—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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