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Pioneer American Insurance Company Review & Complaints: Life Insurance

Pioneer American Insurance Company specializes in life insurance policy. This Pioneer American Insurance finds that the company offers simplified products, making it quick and easy for you to get the life insurance coverage you need. The Pioneer American Insurance rating is A+ with the Better Business Bureau.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 15, 2020

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Pioneer American Insurance Company
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Founded in Texas, Pioneer American is a life insurance company with a special focus on final expenses products. They are a part of American-Amicable Life Insurance Company (ALICO), a century-plus old group of companies. American Pioneer Life Insurance Company is a Stock company that was incorporated in 1961.  Pioneer Life Insurance is currently located at 11815 N Pennsylvania St Carmel, IN 46032.

About Pioneer American Life

Pioneer American Life was incorporated in 1946 in Waco, Texas, where it shares headquarters today with its parent company, ALICO. That company reaches back even further, to the founding of Amicable Life Insurance Company in 1909.

Because Pioneer American uses a shared website format that provides general information on ALICO and little specific information on any of the group companies, it’s difficult to gather details on this company’s history. The website is generally limited when it comes to any detailed information; the type of insurance products offered are described briefly, and it is unclear whether all of the products are underwritten by Pioneer American or by another group company.

Pioneer American sells its products through independent agents across the service area, which appears to be nationwide. The lack of detail on the website indicates a strong reliance on agent sales, an approach that tends to result in solicitation attempts.

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Pioneer Life Products

A general overview of life insurance products is provided on the website.

Final Expense

Final Expenses Life is whole life insurance, offered with an issue age of 0 to 85 and requires no medical exam for issue. The site does not list the benefit amounts, but in general, this type of policy is a lower level of benefits in return for affordable premiums and minimal underwriting requirements. The plan includes accelerated benefits at no added premium, which is often an extra cost with this type of plan.

Term Life

Simplified Life is a term life insurance policy that has no requirement for a medical exam. The term length options are not listed, but death benefits range from $25,000 up to $250,000. There is an optional Return of Premium plan, as well as the option to convert to whole life at the end of the term.

There is also an Association Term policy that is offered to members of certain groups:

  • Government employees (all levels)
  • First responders
  • Employees of state funded educational institutions
  • Railroad employees
  • Hospital employees
  • Spouses of anyone in the above groups

The plan is a ten-year term policy that is renewable, with an issue age of 18-65. Like the other simplified term, there is no medical exam required.

Universal Life

Two types of universal life insurance are listed. The non-medical is a simplified issue that requires no medical exam. Death benefits can be between $25,000 and $250,000, and the plan includes a 15-year no-lapse guarantee if premiums are paid.

The fully underwritten version of the plan, which does require a medical exam, has no top limit on death benefit amount. Both of these plans include a cash accumulation account.

Modified Life

The modified life plan is described only briefly as a whole or term plan that has a cash accumulation option. No further information on this type of policy is offered.


Rate quotes from Pioneer American are only available through an agent, with no option to obtain a quote online. That is quite typical for this type of insurance company, but as mentioned above it can lead to solicitation. Some insurance shoppers may find that frustrating and bothersome.

There is a contact form that can be filled out to have someone contact you in order to gather more information, and a toll-free number is also available.


While there is not a direct claims line, policyholder services has a toll-free number that is available Monday through Friday from 8:00 a.m. to 4:45 p.m. central time. There is also a contact email listed and a fax number as well.

Claims forms are easily located and available for download. They can be sent in either via email or fax, or to the mailing address listed on the site.

There is no further information listed on the website in regards to claims, although there is a policyholder login area where more detail might be offered. This approach to claims is, although common, somewhat frustrating for a life insurance company, since it is a beneficiary filing the claim in most cases and not the policyholder. Beneficiaries are not likely to have access to the login information.

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Ratings and Consumer Reviews

Pioneer American has an A+ rating with the Better Business Bureau (BBB), where they have been accredited since 2011. There are a total of six complaints on file, and only one review left on the page. The reviewer states that the policy was misrepresented at the time of purchase. Pioneer American appears to have responded.

There are six Google reviews of Pioneer American, with an overall 2.3-star rating. Only two of the reviews – one negative and one positive – have written comments, with the rest only star ratings. One positive review cites a claim paid within two days, and the negative review comment states that the company withdrew money from their account without permission. Aside from these, there are three one-star and one five-star rating with no comments.

Beyond this, we found very little customer opinion on this company. In general, fewer reviews is a positive thing for an insurance company.

The Bottom Line

Pioneer American has a good selection of simplified issue products, which will appeal to those looking to get coverage quickly with minimal effort. The lack of detail and rate information makes it difficult to say whether or not the company offers a good value for the insurance dollar. This is a company most likely to be presented as an option for life insurance when working with an independent agent, who will be able to provide more assistance with detailed policy information.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Pioneer American Insurance Company
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Feel so bad for all the people who have been victimized by this company. I have not seen one good comment about them….

  2. Eric — Is this a good insurance company or one that takes advantage of the elderly>>>>

  3. I have canceled this policy and have stopped payment at the bank.

    You keep sending me bills in the mail and I have CANCELLED it so don’t send me any more bills.

    PLEASE!!!! Thank you

  4. Need to cancel policy…

    Can’t afford it right now….

    Have to have double knee surgery replacement…

    And need all the money I can come up with…

    Please don’t call me and harass me about this…

    I need the money. Thank you

  5. We are about to lose our home and we ask to cancel the life insurance.

    We get calls every day trying to get us to extend and don’t drop it.

    We can’t afford it it’s not worth it 10000 for 75.00 a month for myself and husband when u can get 250,00 for 15 dollars a month.

    I wish I never heard of them.

    They’re cheap people. Watch out. God Bless their ways

  6. I apparently have a policy with Pioneer American Ins. but I don’t have any paperwork, name of an agent, or anything that would allow me to get in touch with them.

    That means my daughter or son, beneficiaries of any policy I have, would have no way to notify them in the event of my death.

    They faithfully withdraw money from my account every month so I NEED a copy of the policy and the name of the agent so my children will have the information they need.

    Who can I turn to for help?

    • I would like a copy of my policy

      • I have had $ taken from my bank acct for years.

        I have never subscribed to this company, and I am going to sue this company!

  7. I was calling for quotes and whomever I was talking to from Pioneer American took my information and withdrew $60.72 out of my bank account !!! I never agreed to buy insurance from him !!!

    • The only way money can be taken from your account is by giving banking info AND doing a voice recording CONSENTING to the monthly withdrawal.

      There is literally no other way to do a banking transaction without your prior consent.

    • F-

  8. Apparently, my 70 yr. old mom has a policy with your company and didn’t know anything about it. She supposedly signed up over the phone. But, never received any paperwork or explanation of benefits. Also, the phone recording is unclear and the representative talks extremely fast so an elderly person would have difficulty understanding her.
    This is a form of intimidation and persuasion towards the elderly!!!

  9. I had a horrible experience with

    your representative on this day it has left me feeling vulnerable that my personal information is with you


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