Occidental Life Insurance Company of North Carolina Review: Products, Ratings & What to Know (2026)
Occidental Life, a subsidiary of American-Amicable Group, is rated A (Excellent) by AM Best and offers term, whole, and universal life policies in most states. Coverage caps are relatively low ($35K–$500K depending on product). Policies are available only through contracted agents — not directly online. The NAIC complaint ratio of 1.89 (2020) is above the industry standard of 1.0.1
Introduction
Occidental Life Insurance Company of North Carolina is owned by the American-Amicable Group, headquartered in Waco, Texas. The company is available in approximately 45 states (not available in MT, MN, NY, NH, or ME) and sells policies exclusively through contracted agents.
For instant comparisons, see Instant Life Insurance Quotes or learn How Much Life Insurance Do I Really Need?.
Occidental Life Insurance Company of North Carolina
- P.O. Box 2549
Waco, TX 76702
Advantages
- Several coverage types available: term, whole, and universal life
- Customizable riders for added flexibility
- 10-day free-look period on all policies
- Flexible payment schedules
- Customer portal for managing policies online
Products
Term Life
- Term Made Simple — up to $500K, ages 18–75
- Easy Term — up to $300K, ages 18–70, return-of-premium option available
Compare options at Term Life Insurance Guide or explore No-Exam Term Life Insurance.
Universal Life
- Express UL — up to $500K, ages 15–75, 15-year no-lapse guarantee
Whole Life
- Family Solution — up to $35K, under age 50
- Financial Lifeline — up to $150K, modified whole life
- Golden Solution — up to $35K, ages 50–85
See also: Best Life Insurance for Seniors.
Riders
- Accelerated Benefits Rider (chronic and terminal illness)
- Confined Care Rider
- Accidental Death Rider
- Children’s Insurance Rider
- Return of Premium Rider
- Waiver of Premium Rider
- Waiver of Premium due to Unemployment Rider
Riders can be especially valuable for applicants with health concerns — learn more at Life Insurance with Pre-Existing Conditions.
Occidental Life Insurance Company of North Carolina Insurance Ratings
| Agency | Rating | Description |
| A.M. Best | A | Excellent |
| Standard & Poor´s | N/A | -- |
| Moody´s | N/A | -- |
| Fitch | N/A | -- |
Conclusion
Occidental Life Insurance Company of North Carolina offers adaptable policies through its term, whole, and universal life product lines. However, quotes are available only through contracted agents, the NAIC complaint ratio is above the industry standard, and coverage caps are relatively low.
Ready to compare rates? Visit Average Cost of Life Insurance to see how Occidental Life stacks up.
Last updated on: September 8, 2026
Frequently Asked Questions
Is Occidental Life Insurance Company financially stable?
Yes. Occidental Life holds an A (Excellent) rating from AM Best, indicating strong financial health and claims-paying ability.1
Can I buy Occidental Life Insurance online?
No. Occidental Life policies are sold exclusively through contracted agents. You cannot obtain a quote or purchase a policy directly on the company’s website.
What states does Occidental Life operate in?
Occidental Life is available in approximately 45 states. It is not currently available in Montana, Minnesota, New York, New Hampshire, or Maine.
Does Occidental Life offer no-exam life insurance?
Several Occidental Life products use simplified underwriting that may not require a medical exam, particularly its whole-life and certain term products. Check with a contracted agent for eligibility details. See also: No-Exam Term Life Insurance.
What is Occidental Life’s complaint ratio?
As of 2020, the NAIC complaint ratio was 1.89, which is above the industry standard of 1.0. Readers should verify the most recent ratio on the NAIC website.2
References
1. AM Best, Occidental Life Insurance Company of North Carolina Rating
2. NAIC, Life Insurance Company Complaint Index
3. American-Amicable Group, Company Overview
