Atlantic American Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Atlantic American Insurance Score
2.5 Stars
We award Atlantic American 2.5 out of 5 stars. The carrier is highly rated by AM Best and the Better Business Bureau (BBB). However, Atlantic American is not BBB-accredited and has had a few customer complaints and negative reviews in recent years.
Atlantic American was founded in 1937 as Dilbeck and Dominey Insurance Agency. Headquartered in Atlanta, Georgia, Atlantic American Corporation is the parent company of three subsidiaries in well-defined specialty markets of the life, health, commercial vehicle, and property and casualty insurance industries. Atlantic American's policies are underwritten and distributed by Bankers Fidelity Life Insurance Company, American Southern Insurance Company, and Atlantic American Employee Benefits.
Because Atlantic American sells its products through subsidiaries, it's a bit difficult to find much specific information about coverage, claims processing, and customer service availability. Overall, we recommend looking into several options along with Atlantic American with the help of your independent insurance agent.
Atlantic American Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Atlantic American Insurance Products by Type
Atlantic American offers the following types of insurance through its three subsidiaries.
Bankers Fidelity Life Insurance Company:
- Medicare supplement insurance
- Short-term care insurance
- Level benefit whole life insurance
- Lump sum cancer insurance
- Hospital indemnity insurance
American Southern Insurance Company:
- Commercial automobile liability insurance
- Auto physical damage insurance
- General liability insurance
- Motor truck cargo insurance
- Government entity auto liability insurance
- Business personal property insurance
- Non-truck liability insurance
- Surety bonds
Atlantic American Employee Benefits:
- Group accident insurance
- Critical illness insurance
- Group hospital indemnity insurance
- Short-term disability insurance
- Whole life insurance
Atlantic American Life Insurance Average Prices
Atlantic American distributes life insurance products through two of its subsidiaries, American Atlantic Employee Benefits and Bankers Fidelity Life Insurance Company. However, Atlantic American does not make its average life insurance rates readily available online without requesting a quote.
An independent insurance agent can help you find specific quotes for the exact amount of life insurance you need and also compare quotes from multiple carriers for you. Since life insurance rates can vary so widely by individual, you can get a better idea of how much a life insurance policy might cost you by using our life insurance calculator.
What Discounts Does Atlantic American Offer?
Atlantic American and its subsidiaries do not publish information about specific discounts or savings opportunities. Further, these discounts will vary depending on which subsidiary underwrites your coverage. Independent insurance agents understand how to save you money on your insurance and know how to find all of the savings opportunities that you qualify for. Work with a local independent insurance agent to learn more about the discounts available from Atlantic American and its subsidiaries.
Atlantic American Customer Service
Here's an overview of Atlantic American’s customer service options and availability.
- Phone
- Snail mail
- Customer service phone department does not publish its hours restrictions
| Days | Hours (EST) | ||
| Monday-Friday | NOT SPECIFIED | ||
| Saturday-Sunday | NOT SPECIFIED |
Atlantic American policies must be purchased through an independent insurance agent. To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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Atlantic American Insurance FAQs
Atlantic American and its subsidiaries do not publish an average claims response time frame.
Atlantic American publishes phone and email contacts for its subsidiaries. Customers can also contact the carrier by snail mail. However, Atlantic American doesn't specify its phone contact hours.
The claims process varies depending on which subsidiary of Atlantic American the customer's insurance policy is underwritten by. An independent insurance agent can file claims directly for you and keep you updated through every step of the process.
Atlantic American and its subsidiaries have aesthetically pleasing websites. Atlantic American does not publish its specific phone contact hours or its social media pages on its official website. So, Atlantic American falls a bit behind in terms of user-friendliness.
Atlantic American’s subsidiary, Bankers Fidelity, is one of the nation’s premier providers of specialized life and supplemental health products focused on the senior market. Bankers Fidelity products include: life insurance, senior health insurance products, family plans, retirement plans, supplemental health products, and even payroll deduction products.
Atlantic American and its subsidiaries receive high ratings from AM Best. That alone speaks to the company’s financial strength and longevity. The carrier is also highly rated by the BBB, but not accredited by the organization. Unfortunately, the company has had a few customer complaints and negative reviews in recent years. So, we're hesitant to call Atlantic American a good insurance company at this time.
Atlantic American and its subsidiaries offer insurance products that may be right for customers seeking various types of business insurance, commercial auto insurance, life insurance, and critical illness insurance. The coverage available varies by the insurance company that underwrites it, and product availability likely varies by location.
https://www.atlam.com
https://www.amsou.com
https://www.bankersfidelity.com
https://www.aaemployeebenefits.com/
https://news.ambest.com/pr/PressContent.aspx?refnum=35838&altsrc=2
https://www.bbb.org/us/ga/atlanta/profile/insurance-services-office/atlantic-american-corporation-0443-1285