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Life Insurance
For Our Heroes

We help protect your family, in case you can’t. Whether you are looking for insurance that lasts a decade or a lifetime, we have you covered.

Rated 4.5 out of 5

Protect your family starting as low as

$10/mo

67

Years Of Service

100,000+

Families Protected

$200M

Benefits Paid To Families

3M

Unexpected Deaths In The US Each Year

67
Years Of Service
100,000+
Families Protected
$200M
Benefits Paid To Families
3M
Unexpected Deaths In The US Each Year
amfilife

Who We Are

American Fidelity Life Insurance is proud to be a family-owned business with a rich history of service to our community. Our company was founded in 1956 by Charles Woodbury, a decorated WWII Marine pilot who survived multiple downed planes in the Pacific. He returned from the war and started AmFi so that he could provide insurance to the highest at-risk members of our military and their families, whose unique needs were not being met. Today, our company is run by the next generation of our family, and we continue to uphold Mr. Woodbury’s legacy of service and secure investments for families like yours.

amfilife

Who We Serve

American Fidelity is proud to serve the folks who spend their life to protect their country and their community. Whether you’re a member of our first responders, an active duty officer, or a veteran we’re here for you.

When you choose American Fidelity for your life insurance needs you can trust that you’re making a safe and secure investment in your family’s future. We’ve built our business on a foundation of honesty, integrity and trust, and we’re committed to upholding those values in everything we do.

amfilife
amfilife

Plans That Fit Your Needs

The sooner you start, the less you'll pay for the same coverage

GET APPROVED IN MINUTES

Term Life Insurance

A form of life insurance that covers the insured person for a certain period of time

Universal Life Insurance

A permanent policy pays a death benefit whether you die tomorrow or live to be 100.

Why Choose American Fidelity?

We’ve built our business on a foundation of honesty, integrity, and trust, and we’re committed to upholding those values in everything we do.

Hassle-Free
Hassle-Free
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Get approved online in under 10 minutes. No medical exams, no blood tests. Our goal is to make life insurance simple and accessible for you.
Flexible Coverage
Flexible Coverage
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We believe in giving you choices, so we offer flexible coverage options that can match your budget and specific needs.
Safe & Secure​
Safe & Secure​
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We take a systematic approach to investing in United States Government bonds and highly rated corporate bonds, making AmFi one of the strongest and most stable insurance companies in America.
Appreciation For Our Military
Appreciation For Our Military
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We are proud supporters of our Armed Forces, and have been insuring the highest-at-risk members of our military since 1956.
Family First
Family First
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We know what it means to protect your family. We will help protect yours, even if you can’t.
Expert Advice
Expert Advice
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Our experienced team is here to help you with any question, big or small.

Our Values

At AmFi, our values serve as the guiding principles that underpin our commitment to safeguarding your family’s future and ensuring financial security.

amfilife

Excellent Support

We’re committed to providing each of our customers with support they can count on. You protect your family. We protect you.

amfilife

Financial Stability

Unlike other insurance companies who invest in junk bonds and derivative instruments, we only invest in strong, safe assets such as high interest government notes and bonds.

amfilife

Patriotism

We take great pride in serving the interests of our country by supporting the unique needs of the military and first-responder communities while backing only US-based companies.

amfilife

High Standards

We uphold ourselves to the highest standards of business. We only offer products that incorporate sound planning, flexibility, tax-deferred capital/cash accumulation, and life benefits for our customers.

amfilife

Integrity

Mr. Woodbury was a man of impeccable character and integrity, and these principles underpin everything that we do.

amfilife

Family-Centric

We’re a family-run business and will always be committed to prioritizing the well-being and financial security of your loved ones above all else. We care for you as part of our greater family. 

Rated 4.5 out of 5

Helping Thousands Who Serve

thonas-1

Thomas, 43
Policeman

kylee

Kylee, 22
Nursing

andy

Andy, 19
USMC Electrician

cody

Cody, 23
USMC Maintenance
Specialist

carlos

Carlos, 26
Army Veteran

Becky-29

Christina, 38
Guidance Counselor

Trevain-25

Trevain, 25
USMC Helicopter
Maintenance

Crystal

Crystal, 34
RN

Rated 4.5 out of 5

Helping Thousands Who Serve Their Country + Community

A History of Service, Trust and Reliability

American Fidelity Life Insurance is proud to be a family-owned business with a rich history of service to our community.

A History of Service, Trust and Reliability

American Fidelity Life Insurance is proud to be a family-owned business with a rich history of service to our community.

Frequently Asked Questions

FAQ

Term life insurance provides coverage for a specific period and offers a death benefit if you pass away during the term. Universal life insurance, on the other hand, provides lifelong coverage and offers a death benefit alongside the potential to accumulate cash value.

Most adults who are in good health can apply for life insurance. Adults under the age of 59 are eligible for universal life insurance policies, universal policies, only individuals between the ages of 20 and 50 are eligible for term policies. You may not be eligible for life insurance if you have cancer, heart conditions, or other life-threatening medical conditions or lifestyle habits.

Absolutely! We pride ourselves on being there for you when you need us. We process claims in less than 24 hours and typically have the cash in your bank account within 3 days.

Members with SGLI coverage have two options if they want to convert their life insurance after their service ends. The first option is that they can convert their SGLI to VGLI, a renewable term insurance that has no cash value that builds over time, may require a health exam to get coverage, and has premiums that can increase over time, making it a more expensive option as time goes on. The second option is that they can convert their SGLI to an individual commercial policy with providers like American Fidelity. American Fidelity’s coverage is meant to provide a more permanent alternative that keeps your costs low and provides full benefits.

SGLI is issued to active-duty service members, and once these service members are discharged, they have 120 days during the military separation period to transfer to either VGLI or a commercial permanent policy. Additionally, Retired Reserve soldiers are typically not eligible for SGLI and must convert to one of these options. You cannot convert to both VGLI and individual commercial life insurance at the same time, you must choose one. Converting your SGLI to a VGLI policy can be cost-effective at first, but over time it doesn’t provide any living benefits and grows more expensive as you grow older. Our life insurance policy allows you to stay covered at a fixed rate. If you choose to convert to VGLI at first, you may still be able later convert to a permanent individual commercial policy with AmFi depending on your health status.  

To be eligible for VGLI, you must have had part-time SGLI in the National Guard or Reserve and suffered an injury on duty that makes everyday tasks difficult, leading to disqualification for standard premium rates, or you must have had SGLI during active duty, and are within 1 year and 120 days of release, retirement, or being assigned to the Temporary Disability Retirement List (TDRL). To convert from SGLI to an individual permanent insurance policy with providers from participating companies like AmFi, you must also convert within 120 days of the date of separation from the military. 

Policies start at $9 per month. The exact amount you pay each month (your premium) is determined by your choices in the coverage amount and length of term, as well as your age, health, and lifestyle choices. 

No. With our 5, 10, and 20-year term policies you will be charged the same amount every month for the duration of your policy. When the policy expires, your rate may change based on age and insurability at that time.

We sure do. We don’t advise canceling your policy because your coverage will lapse, but if you cancel within the first 30 days, then we will issue you a full refund. If you cancel after the initial 30 days, then we’ll simply stop charging you. 

In addition to life insurance coverage, this policy grows cash value that isn’t taxed right away. This cash asset is a tremendous advantage of our universal policies.

Please contact our office or one of our agents to discuss the universal life insurance policy and to see whether this is the best policy for your needs. 

Just like with all our policies, the death benefit is completely tax free. The universal policies accumulate cash value that is tax-deferred. Please contact our team to learn more.

The Policy Owner must complete the appropriate form for the requested change. Forms may be downloaded and printed from the Forms Link after logging in. The Policy Owner may also contact a Service Representative at the Home Office or send us a message through our Contact Us page.

You may contact a Service Representative or register online. By registering online you will be able to view premium payments, make withdrawals and much more. Click here to register.

Upon the death of the Insured, you will contact the Home Office Claims Department to report the death. Be prepared to advise us of the insured’s name, the date and cause of death, and the name, address, and telephone number of the person who should be contacted. A Claimant’s Statement and additional information on how to file a death claim will then be sent to the named beneficiary(ies). You may click the “Claims” link at the top of this page to download the Claimant’s Form and instructions.

Please contact our office immediately to update your banking details and ensure that your valuable coverage isn’t lost. 

Protect Your Family For As Low As $10/mo

There are no guarantees in life, except this one: We help protect your family, in case you can’t.

You’re here for them. We’re here for you.