Can I Cancel American Amicable Life Insurance at Any Time?

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.

Why Do People Cancel American Amicable Life Insurance?

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.

What Information Do I Need to Cancel American Amicable Life Insurance?

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)

What Should I Know Before Cancelling American Amicable Life Insurance?

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.

What is American Amicable Life Insurance's Cancellation Policy?

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.

Do I Need My American Amicable Life Insurance Password to Cancel?

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

Can I Get a Refund from American Amicable Life Insurance?

We've actually written a step by step guide on how to get a refund from American Amicable Life Insurance. Check it out!

How to Cancel American Amicable Life Insurance (2026)

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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.

Disclaimer

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.

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Frequently Asked Questions

The cancellation process typically takes about 15 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.

After canceling your American Amicable Life Insurance subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.

Yes, you can usually reactivate your American Amicable Life Insurance account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.

If you're unable to cancel American Amicable Life Insurance online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.

American Amicable Life Insurance May Show Up On Your Statement As:

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