---
title: American Amicable Whole Life Senior Choice
description: American Amicable Whole Life Senior Choice Policy Information
image: https://hello.everdays.com/hubfs/EverdaysLogo.jpg
---

[![](https://hello.everdays.com/hubfs/EverdaysLogo.svg)](https://everdays.com/)

## American-Amicable Whole Life Senior Choice 

[ Resource Library ](https://hello.everdays.com/resources?hsLang=en)

[ Register for Training ](https://hello.everdays.com/training-calendar-registration?hsLang=en)

[ Knowledge Base ](https://46104715.hs-sites.com/agent-knowledge-base?hsLang=en)

[ Underwriting Guide ](https://hello.everdays.com/hubfs/AmericanAmicable_SeniorChoiceGuide.pdf?hsLang=en)

[ RX Tool ](https://www.amamtools.com/lookup)

Immediate Death Benefit

Graded Death Benefit

Return of Premium Death Benefit

**Age Last:** 50-85 

**Max Benefit:** 50-75 $50,000, 76-85 $25,000

**Benefit Schedule:**

- 100% paid immediately  

**Included No-Cost Riders:** 

- Terminal Illness Accelerated Death Benefit Rider 
  
    - Diagnosed with terminal illness with 12 months or less life expectancy can receive up to 100% death benefit
- Accelerated Benefit Confined Care Rider  
    - Confined to a nursing home at least 30 days after the policy is issued, may receive a monthly benefit of 5% of the death benefit

**Age Last:** 50-85 

**Max Benefit:** $25,000

**Benefit Schedule:**

- 30% paid first year 
- 70% paid second year 
- 100% paid third and subsequent years
- 100% paid for accidental death all years 

**Included No-Cost Riders:** 

- Terminal Illness Accelerated Death Benefit Rider 
  
    - Diagnosed with terminal illness with 12 months or less life expectancy can receive up to 100% death benefit 

**Age Last:** 50-85 

**Max Benefit:** $25,000

**Benefit Schedule:**

- Return of premium plus 10% interest** **first three years under age 65 or first two years age 65 or older 
- 100% after ROP period 
- 100% paid for accidental death all years 

**Included No-Cost Riders:** 

- Terminal Illness Accelerated Death Benefit Rider  
    - Diagnosed with terminal illness with 12 months or less life expectancy can receive up to 100% death benefit 

State Restrictions & Underwriting

Simplified Application Flow

Premium Payment Methods

**State Restrictions:**

- No Replacement Policies in Kansas and Kentucky 
- No Policies in: Montana, New Hampshire, and New York

**Application Process:**

- Agent Led

**Underwriting Requirements:**

- Simplified ‘Yes/No’ application 
- Telephone interview (Ages 71-85 and not in prescription database(s)) 
- Check with the Medical Information Bureau (MIB, LLC) 
- Prescription Check 
- Proposed insured’s build (height and weight) 

- Immediate Death Benefit: Answer “No” to all health questions  
- Graded Death Benefit: Answer “Yes” to any of the last five health questions 
- Return of Premium Death Benefit: Answer “Yes” to any of the middle eleven questions 
- Not Eligible: Answer “Yes” to any of first five questions 
- Medication Specific Questions: May appear at the top of the Underwriting page and may impact the outcome of grading 

- ACH Bank Draft from checking or savings account