What CICA Life of America offers
CICA Life of America, part of Citizens, Inc., focuses on life insurance with living‑benefit features, conservative guarantees, and culturally aligned service in English, Spanish, and Portuguese. The company emphasizes lifetime protection, savings protection, supplemental retirement income, and guaranteed returns backed by Citizens’ financial strength and operations. AM Best affirms CICA Life of America at B++ (Good) with a stable outlook.
Product landscape
- Whole life and endowment‑style policies with guaranteed cash values and dividend potential (international “CICA Life” portfolio), plus domestic offerings under CICA Life of America.
- Final expense and simplified/guaranteed‑issue variants distributed via independent agents; typical issue ages 0–85 and face amounts from $1,000–$10,000 on GI, with electronic applications and voice signature support noted by agent distributors. Details vary by state and channel.
Why this benefits insurance agents
CICA Life of America pairs accessible products with practical distribution support.
- Bilingual, culturally aware service helps reach Latino communities and other multilingual markets, improving sales conversations and retention.
- Simplified and guaranteed‑issue pathways reduce underwriting friction (no MIB/Rx checks cited by distributors for certain products), enabling faster placements and broader eligibility. Electronic apps and voice signatures streamline submissions. Commissions and advances are available per agent channel.
- Dedicated portals for independent consultants and domestic agents centralize training and servicing.
Why this benefits customers
Customers gain straightforward coverage options with guaranteed features and accessible enrollment.
- Lifetime protection with conservative, guaranteed returns and savings protection can support family security and long‑term planning.
- Multilingual service improves understanding of policies and claims, reducing confusion and helping families make informed decisions.
- For seniors or medically challenged applicants, simplified or guaranteed‑issue final expense options expand access when traditional underwriting is difficult. Availability and amounts depend on state and product.
Key considerations
- Financial strength is B++ (Good), suitable for niche markets; compare carrier ratings and guarantees for larger cases.
- Product specifics (face amounts, riders, underwriting leniency) vary by state and channel; verify current forms and eligibility before quoting.
- Electronic‑only applications and E&O requirements may apply for certain distributors; align agent processes accordingly.
Explore CICA Life of America
- Company and advantages: CICA Life of America ↗.
- International product portfolio overview: Cica Life ↗.
- Customer and agent portals: CICA LIFE‑Customer Portal ↗, CICA LIFE‑Independent Consultant Portal ↗, Domestic Agent Portal ↗.
- Contact for product details or contracting: Contact us ↗.