Pioneer American Life Insurance Review [2022]
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…
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Written by
Rachael Brennan
Licensed Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
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Reviewed by
Benji Carr
Former Licensed Life Insurance Agent
UPDATED: Jan 30, 2022
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Quick Facts
Pioneer American provides term and permanent life insurance
Pioneer American offers several riders
Pioneer American has been rated an A by A.M. Best
Pioneer American provides term and permanent life insurance to customers in 36 states. The company has affordable rates and offers several options to add to a policy. Additionally, the company has been rated an A by A.M. Best.
Knowing more about Pioneer American Insurance will help you determine if it’s the best choice for you.
Before jumping into this Pioneer American Insurance review, enter your ZIP code to get free life insurance quotes in your area.
What are the rates of Pioneer American Insurance?
A common concern for buyers of life insurance is the cost of coverage. Examining the average rates of a company will help you determine if a plan is affordable. Customers’ rates depend on various factors, including:
Tobacco use
Age
Criminal history
Health
Occupation
Lifestyle
The following chart shows the average affordable Pioneer American life insurance monthly rates for a male 10-year term at $100,000 and $250,000 in value.
Pioneer American Insurance 10-Year Term for Males at $100,000 and $250,000 by Age
AgeAverage Monthly Rates for a $100,000 Term Life PolicyAverage Monthly Rates for a $250,000 Term Life Policy
25$14.04$22.50
35$13.86$22.73
45$18.99$37.80
55$35.37$78.30
65$87.57$206.33
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The following chart shows the same information for females.
Pioneer American Insurance 10-Year Term for Females at $100,000 and $250,000 by Age
AgeAverage Monthly Rates for a $100,000 Term Life PolicyAverage Monthly Rates for a $250,000 Term Life Policy
25$11.52$16.43
35$12.51$19.13
45$15.93$28.35
55$25.83$54.10
65$61.38$139.28
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As you can see, Pioneer American life insurance rates are lower for $100,000 plans than $250,000 plans. Additionally, rates are lower for females than males, and rates increase as policyholders age.
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What products are provided by Pioneer American Insurance?
Pioneer American Insurance provides term, whole, and universal life insurance. All policies are available as no medical exam life insurance plans, allowing customers to avoid an exam and receive quick acceptance.
The company has two term life options. The simplified issue plan ranges from 10- to 30-year terms with values ranging from $25,000 to $250,000. These plans are convertible to whole life insurance after the initial period ends.
The company also offers association term life policies available for specific groups. These 10-year renewable plans are for customers between 18 and 65 and feature no medical exam. Members and groups eligible for these plans include:
Government employees (all levels)
First responders
Employees of state-funded educational institutions
Railroad employees
Hospital employees
Spouses of anyone in the above groups
In addition to term life policies, Pioneer American provides two types of permanent life insurance. Whole life insurance policies feature fixed rates, and universal plans have flexible rates to fit changes in your life.
The company provides two universal life policies. The simplified issue plan doesn’t require a medical exam and has a death benefit between $25,000 and $250,000. Additionally, this option includes a 15-year no-lapse guarantee if all policy payments are complete.
Unlike the simplified issue plan, the fully underwritten version of universal coverage requires a medical exam for acceptance. However, this plan doesn’t have a maximum death benefit, allowing customers to choose the value that fits their needs.
Does Pioneer American Insurance offer riders?
Most life insurance companies offer options that customers can add to a policy. These options are known as riders and allow policyholders to customize their policies. While companies provide some riders with policies, most are available for an additional fee.
Pioneer American Insurance provides two riders at no cost and with all policies. The terminal illness accelerated death benefit rider allows policyholders to access their death benefit before death if they have a terminal illness.
The company also offers an accelerated death benefits rider for customers in confined care. This rider is for customers confined to a nursing home for at least 30 days after the policy is issued.
In addition to these no-cost riders, Pioneer American offers options that customers can add to a policy. The optional riders offered by Pioneer American include:
Accidental death benefit
Grandchild rider
Nursing home waiver of premium
Children’s insurance agreement
Adding optional riders to an insurance policy increases Pioneer American life insurance quotes.
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How is Pioneer American Insurance rated?
Credit rating agencies review and rate insurance companies based on financial strength. These ratings indicate the company’s ability to provide a payout when customers file a claim.
Pioneer American Insurance has been rated an A by A.M. Best. This rating is the same as its parent company, American Amicable Life Insurance, and indicates that Pioneer American will provide a payout in all circumstances.
The Better Business Bureau (BBB) also rates insurance companies based on their business practices. The BBB has rated Pioneer American Insurance an A+, indicating that the company is trustworthy and transparent when working with customers.
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Does Pioneer American Insurance have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. These reviews inform customers about the quality of service that they can expect to receive.
At the time of this review, the BBB has received 15 complaints about Pioneer American over the past three years. The majority of these complaints are about the company’s products and billing services.
According to the NAIC, Pioneer American has received two complaints and has a complaint index ratio of 1.77. These numbers indicate that the company has slightly more complaints than the average competitor of a similar size.
How can you contact Pioneer American Insurance?
Customers looking to buy Pioneer American life insurance or find information can contact the company by phone, email, or fax. The company has one phone number but different fax numbers and email addresses for the departments.
You can reach the company by phone at 800-736-7311. Following the menu options will allow you to find the correct department. Additionally, you can fax the company if you need to send additional information. The fax numbers for Pioneer American are:
Main: 254-297-2105
Claims: 254-297-2756
Sales: 254-297-2709
You can also email the company with questions or information. The email addresses for Pioneer American Insurance are:
The contact information for Pioneer American is through the company’s parent organization, the American Amicable Group.
Who is Pioneer American Insurance?
The Pioneer American Insurance Company began in 1961 in Waco, Texas, where it remains today. The company has since become a subsidiary of the American Amicable Group, which has multiple other subsidiaries, including:
American Amicable Life Insurance Company
Pioneer Security Life Insurance Company
Occidental Life Insurance Company
IA Life Insurance Company
After starting in Texas, Pioneer American is now available in 36 states. If the company doesn’t sell coverage in your state, you can contact American Amicable to learn which subsidiary offers insurance in your area.
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Pioneer American Insurance: The Bottom Line
Pioneer American Insurance provides term and permanent life insurance in 36 states. The company has affordable rates and has been rated well by A.M. Best. However, the company has more complaints than the average similarly-sized competitor.
Learning more about Pioneer American Insurance will help you decide if the company is best for you.
Now that you know about Pioneer American Insurance, enter your ZIP code to find free life insurance rates in your area.
