Atlantic American at a Glance
- Headquartered in Atlanta, Georgia, Atlantic American Corporation is the parent company of three subsidiaries in well-defined specialty markets of the life, health, and property, and casualty insurance industries
- Bankers Fidelity Life Insurance Company is the flagship carrier in the Life and Health Division of Atlantic American
- The Property and Casualty Division includes American Southern Insurance Company
- xCalibre Benefits offers single-source, third-party administrator services for a well-rounded range of employee benefits
- Each of Atlantic American’s insurance companies receives an A- (Excellent) rating from AM Best
- Products are marketed through managing general agents and independent insurance agents
Atlantic American pros: Atlantic American sells individual and commercial insurance products in well-defined specialty markets. Products are marketed exclusively through independent insurance agents. The company and its subsidiaries receive an A- (Excellent) rating from AM Best. Limited product lines make each company an expert in the markets that it serves.
Atlantic American cons: Customer satisfaction data for Atlantic American and its subsidiaries is limited online.
What Type of Insurance Does Atlantic American Offer?
Atlantic American offers the following types of insurance through its three subsidiaries.
Bankers Fidelity Life Insurance Company
- Medicare supplement insurance
- Short-term care insurance
- Final expense 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
- Surety bonds
Through xCalibre Benefits, Atlantic American is a third-party administrator for employee benefits programs.
All of Atlantic American’s subsidiaries sell insurance solutions through independent insurance agents. You will need to work with a local independent insurance agent in order to purchase a policy from Bankers Fidelity or American Southern Insurance Company.
You can also use our national insurance company directory to find the best insurance companies to meet your needs. You’ll be able to locate companies that specialize in what you need, and get connected to an agent near you.
What to Know about Atlantic American
Headquartered in Atlanta, Georgia, Atlantic American Corporation is the parent company of three subsidiaries in well-defined specialty markets of the life, health, and property and casualty insurance industries. Bankers Fidelity Life Insurance Company is the flagship carrier in the Life and Health Division of Atlantic American. The Property and Casualty Division includes American Southern Insurance Company. xCalibre Benefits offers single-source, third-party administrator services for a well-rounded range of employee benefits.
Atlantic American’s products are backed by nearly a half-billion dollars in assets, and almost $200 million in annual revenues. Each of Atlantic American’s subsidiaries receives an A- (Excellent) rating from AM Best.
American Southern specializes in working with public companies. But since 1938, the company has provided commercial auto insurance to companies of all sizes in all industries, from school systems to utility companies.
American Southern Insurance Company is located in Atlanta, Georgia, and their insurance products are sold by independent agents throughout the US. The company has an AM Best rating of A- (Excellent) and a long-term outlook of stable.
Bankers Fidelity has been providing life insurance and other related products to individuals and the senior market since 1955. Bankers Fidelity Life Insurance Company is headquartered in Atlanta, GA, and is licensed in 46 states as well as the District of Columbia. Bankers Fidelity is rated A- (Excellent) by AM Best Company.
What Discounts Does Atlantic American Offer?
Atlantic American and its subsidiaries do not publish information about specific discounts or savings opportunities.
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.
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Atlantic American Customer Service
Here's what to know about Atlantic American’s customer service options.
- American Southern Insurance Company and Bankers Fidelity Life Insurance can be contacted by phone or email
- Claims can be submitted by phone to American Southern 24/7
- Bankers Fidelity offers online customer service and claims reporting through its online customer portal
- Bankers Fidelity publishes the following customer service hours restrictions
|Monday-Friday||8:00 am - 5:30 pm|
|Saturday||8:00 am - 5:00 pm|
Atlantic American policies must be purchased through an independent insurance agent. Your agent provides local, personal service as well. If you have a service issue or questions about your American Southern or Bankers Fidelity insurance policy, contact your independent insurance agent.
Atlantic American FAQ
What is Atlantic American average claims response time frame?
Atlantic American and its subsidiaries do not publish an average claims response time frame.
What is Atlantic American’s customer service availability?
Atlantic American publishes phone and email contacts for its subsidiaries. Customers can contact various departments like Policyholder Service, Underwriting, and so forth by calling or emailing the contacts provided on the website.
Bankers Fidelity customers can obtain service through an online policyholder portal.
For most service issues, contact the independent insurance agent that sold you your policy. Your agent will advocate on your behalf and make sure you get the service you need.
What is Atlantic American’s claims process?
Bankers Fidelity claims can be submitted by phone, mail, and via the online policyholder portal.
American Southern asks its policyholders to report new claims by calling the company directly. Claims can be reported 24/7. You can also contact your agent to report a claim.
If you are served with a lawsuit or other legal papers regarding your American Southern policy, you are asked to immediately contact the American Southern claims office and have the legal papers delivered to claims personnel for timely handling.
Does Atlantic American create a user-friendly experience for customers?
Atlantic American and its subsidiaries have aesthetically pleasing websites. The American Southern website does not offer a lot of information about its products, and it offers minimal online service options.
The Bankers Fidelity website offers more information, resources, and product details and is informative for anyone searching for Medicare supplement insurance or life insurance. Policyholders are able to log in to an online portal to view their policies, file claims, and get customer support.
Does Atlantic American have good life insurance?
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. Licensed in 46 states and the District of Columbia, Bankers Fidelity products include: life insurance, senior health insurance products, family plans, retirement plans, supplemental health products, and even payroll deduction products.
Is Atlantic American a good insurance company?
Atlantic American and its subsidiaries receive high ratings from AM Best. That alone speaks to the company’s financial strength and longevity. It is difficult to draw a conclusion on customer satisfaction for these companies, as online reviews are difficult to come by. We can say that, in general, Atlantic American can be considered to be a good insurance company.
Atlantic American Customer Reviews
|“American Southern has employees who truly care about their policy holders. They are consistent and fair in handling all insurance claims. They have the experience, knowledge and professionalism that it takes to be a leader in their industry.”|
TrustedChoice.com's Final Review
We award Atlantic American 3 out of 5 stars. The subsidiaries have a long history in the industries that they serve, and all receive high ratings from AM Best. These high ratings speak to Atlantic American’s financial strength and stability, some of the most important factors in choosing any insurance company.
Customer satisfaction reviews, both positive and negative, are hard to come by. Evaluating how customers feel about this carrier is difficult.
American Southern markets its products through independent insurance agents, which means that customers will receive local, personal service. We recommend discussing Atlantic American, American Southern, or Bankers Fidelity with your independent insurance agent to see if their products fit your business or personal insurance needs.
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